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

Want to know if Chubb or Pure is the better choice for auto insurance? You're probably wondering which carrier offers the best prices or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, Chubb offers cheaper premiums than Pure
  • Chubb offers more affordable rates for policyholders who live in rural neighborhoods
  • Pure offers less expensive average prices for policyholders who drive fewer than 6,000 miles yearly

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Chubb or Pure, but which one will save you the most?

Chubb Pure

Looking at the national average rates for both carriers, Chubb is around $40 a month more affordable than Pure.

That being said, that doesn't necessarily mean Chubb will be the less expensive option for each driver. Car insurance companies vary their rates depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a variety of other factors, so premiums will differ quite a bit from person to person.

Luckily, we've broken down average prices from both Chubb and Pure by a bunch of different rate factors, so read on to find out which company is the best for you.

Chubb vs. Pure: Average Car Insurance Rates by State

State Chubb Pure

Chubb and Pure only compete against each other in California, where Pure offers the cheaper average premiums. Pure drivers tend to pay about $1 per month less on average compared to drivers who use Chubb for their insurance.

There are plenty of other factors that go into your car insurance cost than just where you call home. Continue reading to learn more about how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Chubb Pure
18-year-old drivers$633$722
25-year-old drivers$288$319

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an 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 rates. Just look at the table above -- where 18-year-old drivers who have Chubb for their auto insurance pay almost 10% less than those who use Pure.

However, both carriers will lower premiums by the time drivers turn 25. Pure offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Chubb still has the most affordable prices at $288 a month.

Which is the Best Company for Retired Drivers?

Chubb Pure
65+-year-old drivers$187$234

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

But who has the best prices for retired drivers between Chubb and Pure? Chubb gets the edge, with rates for drivers 65 and older over 20% cheaper than the national average for Pure.

Which is the Best Company for Married Drivers?

Chubb Pure

Did you know that insurance prices are generally more expensive for single policyholders than they are for married policyholders? That's because policies for married drivers usually cover more than one vehicle, which quite a few companies will give you a discount for.

For those who are single, the difference in average premiums between these two carriers is significant, with Chubb rates coming in at about 15% less than Pure's. But for married couples, that advantage is much less clear - Chubb offers the cheapest average prices.

Chubb or Pure: Average Rates by Gender

Chubb Pure

You may not know, but auto insurance is typically 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 rates.

Women generally pay around $10 a month less than men with Chubb; men and women get the same monthly premiums with Pure.

When it comes to the lowest rates for each gender, Chubb comes out as the most affordable option for both genders, with average premiums $35 less for men and $46 cheaper for women.

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

Chubb Pure
State Minimum*$169$134
Full Coverage**$412$528

*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.

Insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

When it comes to state minimum liability insurance, Pure has the edge, while Chubb offers the cheapest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $35 with PURE Insurance, while full coverage comes out to be about $100 more affordable with Chubb.

Is Chubb or Pure Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Accidents and speeding tickets will most likely raise your prices, but is Chubb or Pure less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb Pure
Clean Record$223$202
1 Speeding Ticket$261$282

Drivers who use Chubb for their auto insurance can usually expect their monthly bill to go up around 15% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of about 28%.

If you have gotten a ticket, Chubb tends to offer the best premiums at around 7% more affordable, while Pure has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Chubb Pure
Clean Record$223$202
1 At-Fault Accident$290$352

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Pure increasing by about 43%. Chubb has a less extreme climb, but you can still expect to pay nearly 25% more than you were prior to your first accident.

At the end of the day, Chubb offers the lowest rates for drivers with an at-fault collision on their records, with average premiums coming in at $290 compared to PURE Insurance's $352.

Which Company is Best for Drivers with a DUI?

Chubb Pure
Clean Record$223$202
1 DUI$389$489

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. On average, Pure will climb your prices around 59% after a DUI, while Chubb's average premiums rise by just under 45%.

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 Pure's $489.

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How does Credit Score Impact Chubb and Pure Rates?

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

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Chubb and Pure specifically, which carrier has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Chubb Pure
Excellent Credit Score$164No Data Available
Good Credit Score$197No Data Available

Typically, if you have excellent credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will normally save Chubb customers around 15%. Because Pure, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Chubb Pure
Fair Credit Score$229No Data Available
Poor Credit Score$566No Data Available

If you have bad credit, it can cost you with Chubb. If your credit score is in the "poor" range, at Chubb, you may pay about $350 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, Pure doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Pure over Chubb.

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

Chubb Pure
6,000 Annual Miles$286$275
12,000 Annual Miles$296$387

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. That's because the more milage you put on your car, the more likely you are to be in an accident and file an insurance claim.

Looking specifically at Pure and Chubb, Chubb is the less expensive option for people with short commutes, while Chubb has better prices for those who work from home. Pure average premiums for drivers with 6,000 annual miles come in more than $10 cheaper than Chubb. Those who drive 12,000 miles annually can expect to pay over $90 less with Chubb over Pure.

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

Where you live can play a considerable role in how much you pay for car insurance. Generally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads where they live.

Chubb Pure
Urban Areas$360$371
Suburban Areas$260$313
Rural Areas$252$308

Chubb boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Chubb's average rates are around $360 while Pure offers premiums about $371. Drivers in suburban ZIP codes pay around $260 with Chubb compared to Pure's $313 monthly. Those in rural areas can expect to pay about $252 per month with Chubb and $308 with Pure.

Chubb vs. Pure Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

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

Chubb Pure
ABS Discount
Anti-Theft Discount
Defensive Driver Discount 
Distant Student Discount
Driver Training Discount 
Driver-Vehicle Combination Discount 
DRL Discount 
Good Driving Discount 
Good Student Discount
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount
Occasional Operator Discount
Passive Restraint Discount
Renewal Discount 
Vehicle Ownership Discount 
Youthful Longevity Discount 

Overall, Chubb comes out ahead with 15 discounts to Pure's 10.

There are a couple discounts both carriers offer, but Chubb also offers discounts for defensive driver, driver training, driver-vehicle combination, and more.

On the other hand, Pure has a few proprietary discounts of their own like good driving discounts and multi-car discounts.

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Final Thoughts: Is Chubb or Pure Best for You?

So, we've broken down the average prices for many of the factors auto insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the best company for you and your specific profile and needs?

Chubb might be best for you if....

  • You will be the only person on the car insurance policy.
  • Your home is located in the suburbs.
  • You drive fewer than 12,000 miles each year.

Pure might be best for you if...

  • You haven't received any speeding tickets or been in a collision in the last few years.
  • You're looking for the best rates on liability only coverage.
  • You drive fewer than 6,000 miles yearly.

Hopefully, this guide has ben a valuable resource as you compare Chubb and Pure and that you can now make a more informed decision when it comes to your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from a handful of carriers, not just Chubb and Pure. Luckily, makes it easy for you to do just that. Just enter your ZIP code 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. Pure FAQs

Is Chubb or Pure cheaper?

Chubb is the more affordable of the two carriers when looking at national average prices, with policies averaging $291 a month with Chubb and $331 for Pure. But that doesn't mean Chubb will be the lowest company for every policyholder, since there are several different variables that are considered when it comes to your auto insurance bill.

Who is better, Chubb or Pure?

Sadly, the answer truly is "it depends.". Neither carrier is necessarily "better" for each policyholder -- it all depends on what your unique insurance profile looks like.

Why do Chubb and Pure offer me different rates?

Car insurance companies use many different factors when calculating the premiums they charge. Variables like your driving record, where you park your car, gender, age, and sometimes even things like your credit score can all be used. Both Chubb and Pure calculate rates using different factors, 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 multiple different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Chubb or Pure at all, but another you hadn't even thought of!


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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