Chubb vs. Motorists: Which Company is the Best Fit for You?

Looking for car insurance and wondering if Chubb or Motorists is the right carrier for you? If so, you're probably wondering which company has the lowest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Motorists offers less expensive rates than Chubb
  • Chubb tends to be a much more affordable option for policyholders who live in rural neighborhoods
  • Motorists offers more affordable premiums for policyholders who live in urban areas


Chubb or Motorists: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might be considering Chubb or Motorists as potential options, but between the two, which one will save you the most?

Chubb Motorists
$291$251

Looking at nationwide averages, Motorists is around $40 a month cheaper than Chubb.

But that doesn't necessarily mean Motorists will be the more affordable option for every single driver. Insurance carriers use all sorts of complex algorithms to determine prices, so depending on how good your credit score is or how clean your driving record is (among a wide array of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Chubb and Motorists by a range of different rate factors, so read on to find out which carrier is the best for you.

Chubb vs. Motorists: Average Car Insurance Rates by State

State Chubb Motorists
PA$346$422

Chubb and Motorists only compete against each other in one states, with Chubb offering less expensive prices to the average driver in all of them. Pennsylvania has the most noticable difference, where Chubb premiums are $76 cheaper than auto insurance rates at Motorists.

But there's more to calculating car insurance premiums than just where you call home. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

Chubb Motorists
18-year-old drivers$633$415
25-year-old drivers$288$234

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. Generally, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. As you can see above, teens who use Motorists save over 35% per month compared to those who use Chubb.

That being said, with both companies, you'll see your rates drop significantly by the time you turn 25. Motorists offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Chubb's average prices decrease almost 55% during that same period.

Which is the Best Company for Retired Drivers?

Chubb Motorists
65+-year-old drivers$187$219

Once you approach retirement age, you'll typically enjoy the cheapest insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best premiums for retired drivers between Chubb and Motorists? Chubb gets the edge, with rates for drivers 65 and older nearly 15% less expensive than the national average for Motorists.

Which is the Best Company for Married Drivers?

Chubb Motorists
Single$338$274
Married$227$220

Did you know that car insurance prices are usually more affordable for married policyholders than they are for single policyholders? That's normally because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average premiums between these two carriers is significant, with Motorists rates coming in at a quarter less than Chubb's. It's not quite so glaring for married drivers, where drivers who use Motorists save about $7 a month.

Chubb or Motorists: Average Rates by Gender

Chubb Motorists
Male$296$257
Female$285$245

You may not know, but insurance is usually more expensive for men than for women. That's because men are more likely to get speeding tickets and get into accidents, which raises the chances of filing a claim with insurance.

On average, men see prices around 4% per month higher with Chubb, and about 5% with Motorists.

Looking at the data for each company specifically, Motorists offers the most affordable average premiums for both men and women. On average, women save about $40 a month and men save around $39 with Motorists compared to the average Chubb policyholder.


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Chubb vs. Motorists: Compare State Minimum vs. Full Coverage Rates

Chubb Motorists
State Minimum*$169$123
Full Coverage**$412$379

*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.

It's no secret that auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum liability insurance, Motorists has the significant edge, with average monthly prices coming in at $123. If you want a full coverage policy with the same state minimum limits, Motorists again has the edge, with policies averaging about $379 per month to Chubb's $412.

Is Chubb or Motorists Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that at-fault collisions and speeding tickets lead to higher rates, but which carrier -- Chubb or Motorists -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb Motorists
Clean Record$223$169
1 Speeding Ticket$261$187

Policyholders who use Chubb for their insurance can generally expect their monthly bill to go up around 15% after getting a speeding ticket. Motorists policyholders can expect a less drastic increase of about 10%.

However, Motorists tends to offer the best prices for both drivers who have clean records and those with a recent ticket. With Motorists Insurance Group, drivers with a clean record can save around $54 a month and drivers with a speeding ticket can save about $74 per month.

Which Company is Best for Drivers After an Accident?

Chubb Motorists
Clean Record$223$169
1 At-Fault Accident$290$206

Chubb drivers who get in an accident can expect to see their rates rise by over $65, while those who have insurance through Motorists will see around a $35 increase.

At the end of the day, Motorists offers the most affordable premiums for drivers with an at-fault collision on their records, with average prices coming in at $206 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

Chubb Motorists
Clean Record$223$169
1 DUI$389$442

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. For example, Motorists increases average premiums by more than $250 a month -- that's more than a 60% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Chubb tends to be cheaper for the average driver, with monthly premiums coming in at about $389 to Motorists's $442.


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How does Credit Score Impact Chubb and Motorists Rates?

Did you know many car insurance companies take your credit score into account when determining prices? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it will come into play for a lot of policyholders.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Chubb and Motorists, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Chubb Motorists
Excellent Credit Score$164$159
Good Credit Score$197$185

If you have a solid credit score, Motorists will normally reward you the most. For policyholders with "excellent" credit scores, Motorists comes in NaN more affordable. Drivers with "good" credit scores generally save around 6% with Motorists compared to average rates from Chubb.

Which Company is Best for Drivers with Bad Credit?

Chubb Motorists
Fair Credit Score$229$231
Poor Credit Score$566$429

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about 1% less with Chubb than Motorists, but those whose credit is considered "poor" have it flipped -- saving around 24% per month with Motorists.


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Is Chubb or Motorists Better for Drivers who Work from Home or Have Short Commutes?

Chubb Motorists
6,000 Annual Miles$286$246
12,000 Annual Miles$296$256

Did you know that the amount of time you spend in your car have a sizable impact on how much insurance companies will charge for coverage? That's because the fewer miles you put on your car, the less likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Motorists offers cheaper prices than Chubb. Chubb average rates for drivers with 6,000 annual miles come in about $40 more expensive than Motorists. Those who drive 12,000 miles each year can expect to pay around $40 more with Chubb over Motorists.

Chubb or Motorists: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a pretty big impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Chubb Motorists
Urban Areas$360$286
Suburban Areas$260$215
Rural Areas$252$252

Chubb vs. Motorists Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Chubb and Motorists so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Chubb Motorists
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
Driver-Vehicle Combination Discount 
DRL Discount 
Empty Nester Discount 
Good Student Discount 
Homeowner Discount 
Hybrid Vehicle Discount 
Life Policy Discount 
Marital Status Discount 
Mature Driver Discount 
Multi-Policy Discount
Occasional Operator Discount 
Paid In Full Discount 
Passive Restraint Discount
Renewal Discount 

Overall, Chubb has a slight advantage when it comes to total number of discounts. Motorists offers a grand total of 14 discounts, while Chubb has 15.

Both carriers offer many of the same discounts -- like ABS discounts, discounts for being a defensive driver, and passive restraint discounts -- but Chubb also offers discounts for distant student, driver training, driver-vehicle combination, and more.

On the other hand, Motorists has a few proprietary discounts of their own for things like advance quote discounts, empty nester discounts, homeowner discounts, and more.


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Final Thoughts: Is Chubb or Motorists Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance company is the right carrier for you, your vehicle, and your wallet?

Motorists might be best for you if....

  • You haven't received any speeding tickets or been in a collision in the last few years.
  • Your home is in a busy urban area.
  • Your home is located in the suburbs.


Chubb might be best for you if...

  • You're looking for the carrier with the most discounts.
  • You live in a rural neighborhood.
  • You're of retirement age and want to take advantage of lower premiums.

Hopefully, this guide has ben a valuable resource as you compare Chubb and Motorists. 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 sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Chubb and Motorists. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.


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Chubb vs. Motorists FAQs

Is Chubb or Motorists cheaper?

Motorists is the less expensive of the two carriers when looking at national average rates, with policies averaging $251 a month with Motorists and $291 for Chubb. Even so, that doesn't mean Motorists will be the most affordable company for every policyholder, since there are a bunch of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Chubb or Motorists?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Motorists is more affordable for drivers with excellent credit, while Chubb offers cheaper premiums for drivers with a recent DUI.

Why do Chubb and Motorists offer me different rates?

Insurance companies use many different variables when calculating the rates they charge. Things like age, gender, where your home is, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and Motorists use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Chubb or Motorists is right for me?

The only way to find the auto insurance carrier 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Chubb or Motorists at all, but another you hadn't even thought of!


Methodology

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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