Chubb vs. Main Street America: Which Company is the Best Fit for You?

If you're in the market for a new insurance policy, you might be wondering how Main Street America and Chubb compare when it comes to the most affordable rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Main Street America offers significantly less expensive prices than Chubb
  • Main Street America tends to be a much more affordable option for policyholders who may not have much of a commute
  • Main Street America offers less expensive average premiums for residents of urban areas

Chubb vs. Main Street America: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might have narrowed it down to Chubb or Main Street America as potential options, but between the two, which carrier will offer you more affordable prices?

Chubb Main Street America

As you can see, Chubb has average rates that are about 22% per month more expensive than those from Main Street America when looking at the national average rates for car insurance.

However, that doesn't mean Main Street America will necessarily be cheaper than Chubb for every single driver. Auto insurance companies use a ton of complex algorithms to calculate premiums, so depending on how clean your driving record is or how old you are (among several other factors), you could see wildly different rates from the ones above.

Wanting to know if Chubb or Main Street America is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Chubb or Main Street America: Average Car Insurance Rates by State

State Chubb Main Street America

Chubb and Main Street America only compete against each other in one states, with Chubb offering less expensive rates to the average driver in all of them. New York has the most noticable difference, where Chubb prices are cheaper than car insurance rates at Main Street America.

That being said, there's a lot more that goes into your insurance cost than just where you call home. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Chubb Main Street America
18-year-old drivers$633$477
25-year-old drivers$288$219

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Main Street America save more than $150 a month compared to those who use Chubb.

Even so, both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Chubb policyholders lower nearly $350 and Main Street America's premiums drop over $250 over that time.

Which is the Best Company for Retired Drivers?

Chubb Main Street America
65+-year-old drivers$187$181

Drivers around retirement age normally enjoy some of the lowest car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase rates.

When looking at Chubb and Main Street America specifically, which carrier is best for retired drivers? Main Street America gets the slight edge here, with average premiums coming in at around $181 monthly compared to Chubb's $187. That being said, that difference is less than 5%, which means it ultimately will come down to other factors, such as your credit score or where you live.

Which is the Best Company for Married Drivers?

Chubb Main Street America

Did you know that insurance rates are usually more expensive for single policyholders than they are for married couples? That's because policies for married drivers typically cover more than one car, which a lot of companies will offer you a discount for.

When it comes to relationship status, Main Street America is the clear winner for those who are single, with prices about $73 per month more affordable than Chubb, on average. The advantage for married policyholders with Main Street America is also obvious, where drivers save around $50 a month.

Chubb vs. Main Street America: Average Rates by Gender

Chubb Main Street America

You may not know, but auto insurance is usually cheaper for women than it is for men. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher premiums.

Usually, women see prices about $10 per month cheaper with Chubb, but surprisingly, with Main Street America, women usually pay around $6 a month more than men.

When it comes to the cheapest premiums for each gender, Main Street America comes out on top for both men and women, with average rates 24% less for men and 19% cheaper for women.

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Chubb or Main Street America: Compare State Minimum vs. Full Coverage Rates

Chubb Main Street America
State Minimum*$169$159
Full Coverage**$412$295

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Main Street America normally offers slightly less expensive prices of $159 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Main Street America again has the edge, with policies about $100 per month more affordable than Chubb, on average.

Is Chubb or Main Street America Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

At-fault accidents and tickets will most likely raise your rates, but is Chubb or Main Street America cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb Main Street America
Clean Record$223$175
1 Speeding Ticket$261$236

Chubb policyholders can expect their premiums to go up an average of $38 a month if they get a ticket, while Main Street America generally raises rates around $61 per month, on average.

However, Main Street America tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering prices that are 22% and 10% less expensive, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Chubb Main Street America
Clean Record$223$175
1 At-Fault Accident$290$215

Chubb drivers who get in a collision can expect to see their premiums increase by over $65, while those who have insurance through Main Street America will see about a $40 increase.

Overall, Main Street America offers the most affordable rates for drivers with an at-fault accident on their records, with monthly prices averaging $215 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

Chubb Main Street America
Clean Record$223$175
1 DUI$389$283

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- normally a lot more than an accident or ticket. Chubb drivers usually see a 43% increase in their car insurance premiums after a DUI charge, while Main Street America will typically climb prices by around 38%.

If you have a DUI on your record and are looking for more affordable premiums, Main Street America tends to be the much more affordable option with average rates of $283 a month compared to $389 from Chubb.

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How does Credit Score Impact Chubb and Main Street America Rates?

Did you know that many insurance carriers take your credit score into account when calculating premiums? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for lots of policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

Looking at Chubb and Main Street America specifically, which company has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Chubb Main Street America
Excellent Credit Score$164$109
Good Credit Score$197$137

If you have a great credit score, you'll usually find a better deal with Main Street America. Drivers with "excellent" credit can save just under 35% compared to Chubb, and those with "good" scores can also expect to see savings -- about $60 or 30% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Chubb Main Street America
Fair Credit Score$229$179
Poor Credit Score$566$484

Main Street America typically offers lower rates than Chubb when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $50 a month less with Main Street America compared to Chubb, and those with "poor" scores generally save an average of about $82 per month.

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Is Chubb or Main Street America Better for Drivers who Work from Home or Have Short Commutes?

Chubb Main Street America
6,000 Annual Miles$286$225
12,000 Annual Miles$296$229

Did you know that the amount of time you spend in your car have a considerable impact on your monthly insurance payment? Normally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Main Street America tends to be the cheaper option. Chubb's average premiums for drivers with 6,000 annual miles come in over 20% more expensive than Main Street America. Those who drive 12,000 miles yearly can expect to pay nearly 25% more with Chubb over Main Street America.

Chubb vs. Main Street America: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a pretty big impact on your monthly auto insurance bill. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the road in those areas, which decreases the chances of an accident.

Chubb Main Street America
Urban Areas$360$264
Suburban Areas$260$230
Rural Areas$252$188

When comparing these two companies side-by-side, Main Street America usually comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Main Street America offers rates around $264 monthly compared to Chubb's $360. People who live in suburban ZIP codes can expect to pay about $230 per month for Main Street America and $260 for Chubb. Lastly, those in rural areas tend to get the cheapest prices from both carriers, with average monthly premiums coming in at $188 and $252 for Main Street America and Chubb respectively.

Chubb vs. Main Street America Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

The difficult part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the section below, we've taken a look at all of the different discounts Chubb and Main Street America offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Chubb Main Street America
ABS Discount
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount
Driver Training Discount
Driver-Vehicle Combination Discount 
DRL Discount
EFT Discount 
Good Driving Discount 
Good Payer Discount 
Good Student Discount
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount
New Business Discount 
New Vehicle Discount 
Occasional Operator Discount 
Paid In Full Discount 
Passive Restraint Discount
Renewal Discount

Overall, Main Street America has advantage when it comes to total number of discounts. Chubb offers a grand total of 15 discounts, while Main Street America has 18.

There are a couple discounts both companies offer, but Main Street America also offers EFT discounts, good driving discounts, good payer discounts, and more that Chubb does not.

On the flip side, Chubb has a couple unique discounts of its own -- driver-vehicle combination discounts, occasional operator discounts, vehicle ownership discounts, and more.

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Final Thoughts: Is Chubb or Main Street America Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which company is the right carrier for you and your specific driver profile?

Main Street America might be best for you if....

  • You have less-than-stellar credit.
  • Your home is in a busy urban area.
  • You're married and plan to have both of your names on the vehicle's insurance policy.

Chubb might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide has ben a valuable resource as you compare Chubb and Main Street America. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Chubb and Main Street America. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

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Chubb vs. Main Street America FAQs

Is Chubb or Main Street America cheaper?

Looking just at the national average rates, Main Street America is the more affordable of the two carriers, offering average rates of $227 a month compared to $291 for Chubb. But Main Street America won't necessarily be the most affordable carrier for every policyholder, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Chubb or Main Street America?

Unfortunately, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Chubb and Main Street America offer me different rates?

Auto insurance companies take a look at quite a few different variables when determining the premiums they charge drivers. Factors like where you call home, gender, age, where you live, and sometimes even things like your credit score can all come into play. Both Chubb and Main Street America calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from lots of different carriers.

How do I know if Chubb or Main Street America is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Chubb or Main Street America at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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