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

If you're in the market for a new auto insurance policy, you might be wondering how National General and Chubb compare when it comes to the most affordable premiums 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

  • Based on national averages for insurance, National General offers more affordable prices than Chubb
  • Chubb offers less expensive average rates for drivers who have an at-fault accident on their record
  • National General has cheaper premiums for people who are single and purchasing auto insurance by yourself

Chubb vs. National General: 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 pretty big discounts. But exactly how much can you save by switching?

You might have narrowed it down to Chubb or National General as your top options, but which company will offer you more affordable prices?

Chubb National General

As you can see, National General has average rates that are about 14% per month less expensive than those from Chubb when looking at the national average rates for insurance.

But National General may not be the cheapest or best option for every single driver out there. Car insurance companies use tons of complex algorithms to calculate rates, so depending on where you live or how good your credit score is (among several other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Chubb or National General is really the best for you, keep reading to see average prices for each company broken down by a bunch of different rate factors.

Chubb or National General: Average Car Insurance Rates by State

State Chubb National General

Chubb and National General only compete against each other in Texas, where Chubb offers the cheaper average rates. For Texas residents, Chubb offers insurance for $218 a month on average. National General's average prices come out to be over 10% more expensive, at $249 monthly.

That being said, there's a lot more that goes into your car insurance payment than just your home state. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Chubb National General
18-year-old drivers$633$597
25-year-old drivers$288$206

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. 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 rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $35 less a month by choosing National General over Chubb.

That being said, with both carriers, you'll see your premiums lower significantly by the time you turn 25. For example, average rates for Chubb policyholders decrease nearly 55% and National General's premiums reduce over 65% over that time.

Which is the Best Company for Retired Drivers?

Chubb National General
65+-year-old drivers$187$179

Drivers around retirement age usually enjoy some of the lowest insurance prices out there. After all, they've likely been driving for quite some time, which generally reduces their chances of accidents and other infractions that can increase premiums.

When looking at Chubb and National General specifically, which carrier is best for retired drivers? National General gets the slight edge here, with average prices coming in at around $179 per month compared to Chubb's $187. Even so, the difference is only about 5%, so other variables will likely come into play when determining which company has the most affordable rates for you.

Which is the Best Company for Married Drivers?

Chubb National General

Did you know that auto insurance prices are normally cheaper for married policyholders than they are for those who are single? That's typically because married couples tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, National General is the clear winner for single policyholders, with rates around $40 per month more affordable than Chubb, on average. The advantage for married drivers with National General is also obvious, where drivers save almost 20% a month.

Chubb vs. National General: Average Rates by Gender

Chubb National General

Because men are more likely to get tickets and get into accidents, they raise the chances of filing a claim with insurance. Therefore, men tend to pay more for car insurance than women.

Typically, women see premiums more than $10 per month less expensive with Chubb, and about $16 less with National General.

Looking at the data for each carrier specifically, National General comes out as the lowest option for both genders, with average prices 13% less for men and 15% cheaper for women.

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Chubb or National General: Compare State Minimum vs. Full Coverage Rates

Chubb National General
State Minimum*$169$151
Full Coverage**$412$348

*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 pretty complicated. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum limits for liability insurance, National General generally offers cheaper premiums of $151 compared to Chubb's $169. When it comes to full coverage policies with similar limits, National General again has the edge, with policies around $65 a month less expensive than Chubb, on average.

Is Chubb or National General 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.

It's no secret secret that collisions and tickets lead to higher rates, but which company -- Chubb or National General -- has the cheapest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb National General
Clean Record$223$161
1 Speeding Ticket$261$181

Chubb policyholders can expect their rates to go up an average of $38 per month if they get a ticket, while National General normally raises prices about $20 a month, on average.

Even so, National General is usually the cheaper option for drivers both with clean records and with a speeding ticket, offering rates that are $62 and $80 more affordable, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Chubb National General
Clean Record$223$161
1 At-Fault Accident$290$472

Chubb drivers who get in a collision can expect to see their prices rise by just under 25%, while those who have insurance through National General will see around a 65% increase.

Overall, drivers who use Chubb end up with the cheaper prices after an accident, with monthly premiums averaging $290 compared to National General Insurance's $472.

Which Company is Best for Drivers with a DUI?

Chubb National General
Clean Record$223$161
1 DUI$389$183

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. On average, Chubb will increase your prices about 43% after a DUI, while National General's average premiums climb by over 10%.

If you have a DUI on your record and are looking for more affordable rates, National General tends to be the much cheaper option with average premiums of $183 monthly compared to $389 from Chubb.

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How does Credit Score Impact Chubb and National General Rates?

Did you know that many car insurance companies take into account your credit score when calculating prices? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect lots of policyholders out there.

The reasoning 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 typically be forced to pay more.

So, which carrier offers the lowest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Chubb National General
Excellent Credit Score$164$202
Good Credit Score$197$223

If you have great credit, you'll usually find a better deal with Chubb. Drivers with "excellent" credit can save just under 20% compared to National General, and those with "good" scores can also expect to see savings -- around $26 or 12% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Chubb National General
Fair Credit Score$229$262
Poor Credit Score$566$310

If you have a below average credit score, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about $33 less with Chubb than National General, but those whose credit is considered "poor" have it flipped -- saving around $256 per month with National General.

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

Chubb National General
6,000 Annual Miles$286$249
12,000 Annual Miles$296$249

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. That's because the more miles you put on your vehicle each year, the more likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much National General charges. However, there's a small difference in monthly rates for Chubb, with policyholders who drive the least paying about $10 less every month compared to those who drive 12,000 miles each year. Still, National General is the less expensive option for drivers in both categories.

Chubb vs. National General: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a sizable impact on your monthly insurance cost. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Chubb National General
Urban Areas$360$262
Suburban Areas$260$241
Rural Areas$252$244

When comparing these two carriers side-by-side, National General usually comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, National General Insurance's average rates are around $98 less than Chubb. Drivers in suburban ZIP codes pay about $19 less with National General compared to Chubb. If you live in a rural area, you can expect to save around $8 with National General compared to Chubb.

Chubb vs. National General 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, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Chubb and National General so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Chubb National General
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount
Driver-Vehicle Combination Discount 
DRL Discount 
Good Student Discount 
Group Discount 
Low Mileage Discount 
Mature Driver Discount 
Multi-Policy Discount 
Occasional Operator Discount 
Passive Restraint Discount
Renewal Discount 
Vehicle Brand Discount 
Vehicle Ownership Discount 
Youthful Longevity Discount 

Chubb blows National General away when it comes to the sheer amount of discounts available, offering 15 different discounts to National General's eight.

A couple of those are overlapping for things like anti-theft discounts, discounts for getting driver training, and passive restraint discounts. Chubb also offers ABS discounts, distant student discounts, driver-vehicle combination discounts, and more that National General does not.

On the flip side, National General has a couple unique discounts of its own -- advance quote discounts, group discounts, low mileage discounts, and more.

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Final Thoughts: Is Chubb or National General Best for You?

So, you've seen how different factors can affect your insurance prices. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is Chubb or National General the right carrier for you and your specific needs?

National General might be best for you if....

  • You've been pulled over for speeding recently.
  • You live in a rural neighborhood.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

Chubb might be best for you if...

  • You want to save money on your auto insurance after a collision.
  • You have above-average credit.
  • You care about discounts (Chubb offers the most).

We hope this guide helps you get a better idea of the difference between Chubb and National General and that you can now make a more informed decision when it comes to your insurance.

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

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Chubb vs. National General FAQs

Is Chubb or National General cheaper?

Looking just at the national average rates, National General is the more affordable of the two companies, offering average rates of $249 a month compared to $291 for Chubb. That being said, National General won't necessarily be the cheapest company for every driver, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Chubb or National General?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all boils down to your unique insurance profile. For example, Chubb offers less expensive premiums for policyholders with an at-fault accident on their record, while National General is cheaper for drivers who have less-than-stellar credit scores.

Why do Chubb and National General offer me different rates?

Car insurance carriers take a look at quite a few different factors when determining the rates they charge drivers. Things such as gender, age, where you live, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and National General calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Chubb or National General 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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