Chubb vs. Redpoint County Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Redpoint County Mutual offers significantly cheaper prices than Chubb
• Chubb offers more discounts than Redpoint County Mutual
• Redpoint County Mutual tends to be a much more affordable option for policyholders who may not have much of a commute

Chubb vs. Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? 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 be considering Chubb or Redpoint County Mutual for your next policy, but which one will offer you less expensive rates?

As you can see, Redpoint County Mutual has average rates that are about 35% per month more affordable than those from Chubb when looking at the national average rates for insurance.

Even so, that doesn't mean Redpoint County Mutual will necessarily be less expensive than Chubb for every driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your age, where you call home, or even your driving record (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

So, if you want to find out which of Chubb or Redpoint County Mutual is really the best for you, keep reading to see average rates for each carrier broken down by several different rate factors.

Chubb or Redpoint County Mutual: Average Car Insurance Rates by State

Chubb and Redpoint County Mutual only compete against each other in Texas, where Redpoint County Mutual offers the cheaper average premiums. For Texas residents, Redpoint County Mutual offers insurance for $196 monthly on average. Chubb's average prices come out to be over 10% more expensive, at $218 per month.

There are plenty of other factors that go into your car insurance cost than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. It's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But 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 Redpoint County Mutual for their insurance pay more than $200 less than those who use Chubb.

However, with both carriers, you'll see your premiums lower significantly by the time drivers turn 25. Redpoint County Mutual offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Chubb's average rates decrease nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever see.

So, which company offers the best premiums to retired drivers? Redpoint County Mutual gets the edge, with prices for drivers 65 and older almost 20% cheaper than the national average for Chubb.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more expensive for those who are single than they are for married policyholders? That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Redpoint County Mutual is the clear winner for single drivers, with rates around $110 a month more affordable than Chubb, on average. The advantage for married couples with Redpoint County Mutual is also obvious, where drivers save nearly $75 per month.

Chubb vs. Redpoint County Mutual: Average Rates by Gender

Did you know men generally pay more for car insurance than women? This is because men are statistically more likely than women to get into collisions and get tickets, which leads to increased risk for insurers and, therefore, higher prices.

On average, men see rates over $10 a month higher with Chubb, and about $20 with Redpoint County Mutual.

Looking at the data for each carrier specifically, Redpoint County Mutual comes out on top for both men and women, with average premiums $91 less for men and $98 cheaper for women.

Chubb or Redpoint County Mutual: Compare State Minimum vs. Full Coverage Rates

*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 many different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) 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, Redpoint County Mutual typically offers significantly cheaper rates of $115 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Redpoint County Mutual again has the edge, with policies around $150 per month less expensive than Chubb, on average.

Is Chubb or Redpoint County Mutual 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 premiums, but is Chubb or Redpoint County Mutual more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Redpoint County Mutual auto insurance policies don't report seeing their prices increase after getting a ticket, but Chubb policyholders can expect to see their monthly bill increase by.

That being said, Redpoint County Mutual has less expensive rates for drivers in both categories, offering premiums that are 38% and 47% cheaper, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault accident with Redpoint County Mutual climbing by over $65. Chubb has a less extreme climb, but you can still expect to pay more than $65 more than you were prior to your first collision.

Overall, Redpoint County Mutual offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $206 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than an accident or ticket. On average, Chubb will raise your rates about 43% after a DUI, while Redpoint County Mutual's average premiums increase by just under 55%.

If you have a DUI on your record and are looking for more affordable rates, Redpoint County Mutual tends to be the much less expensive option with average prices of $301 a month compared to $389 from Chubb.

How does Credit Score Impact Chubb and Redpoint County Mutual Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly car insurance premiums. Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect quite a few policyholders out there.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Chubb and Redpoint County Mutual, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Redpoint County Mutual. Drivers with "excellent" credit can save 4% compared to Chubb, and those with "good" scores can also expect to see savings -- around $20 or 10% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Redpoint County Mutual typically offers lower rates than Chubb when it comes to drivers with bad credit. Drivers with "fair" credit pay about $24 a month less with Redpoint County Mutual compared to Chubb, and those with "poor" scores usually save an average of around $321 per month.

Is Chubb or Redpoint County Mutual Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a substantial impact on your monthly car insurance payment? Normally, the more miles you put on your car, the more you can expect to pay for insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Redpoint County Mutual charges. However, there's a small difference in monthly prices for Chubb, with policyholders who drive 6,000 miles yearly paying about $10 less every month compared to those who drive 12,000 miles annually. Still, Redpoint County Mutual is the more affordable option for drivers in both categories.

Chubb vs. Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a considerable 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 cars on the road in those areas, which lowers the chances of an accident.

Redpoint County Mutual tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Redpoint County Mutual offers prices around $238 a month compared to Chubb's $360. People who live in suburban ZIP codes can expect to pay about $177 per month for Redpoint County Mutual and $260 for Chubb. Lastly, those in rural areas tend to get the lowest rates from both carriers, with average monthly premiums coming in at $173 and $252 for Redpoint County Mutual and Chubb respectively.

Chubb vs. Redpoint County Mutual Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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

Below, we've broken down all of the different discounts offered by both Chubb and Redpoint County Mutual so that you can see which one can save you the most money each month.

Chubb blows Redpoint County Mutual away when it comes to the sheer amount of discounts available, offering 15 different discounts to Redpoint County Mutual's three.

A couple of those are overlapping for things like passive restraint discounts. Chubb also offers ABS discounts, anti-theft discounts, defensive driver discounts, and more that Redpoint County Mutual does not.

On the flip side, Redpoint County Mutual has a couple unique discounts of its own -- discounts for being a good driver and group discounts.

Final Thoughts: Is Chubb or Redpoint County Mutual Best for You?

So, we've broken down the average rates for many of the variables car insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is Chubb or Redpoint County Mutual the right carrier for you and your specific needs?

Redpoint County Mutual might be best for you if....

• You're single and purchasing insurance by yourself.
• You're looking for more protection with "full coverage" car insurance.
• You and your spouse are buying auto insurance together.

Chubb might be best for you if...

• You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Chubb and Redpoint County Mutual and that you can now make a more informed 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 several carriers, not just Chubb and Redpoint County Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Chubb vs. Redpoint County Mutual FAQs

Is Chubb or Redpoint County Mutual cheaper?

Looking just at the national average prices, Redpoint County Mutual is the less expensive of the two carriers, offering average rates of $196 a month compared to $291 for Chubb. However, Redpoint County Mutual won't necessarily be the most affordable carrier for everyone, since there are multiple different factors that are considered when it comes to your car insurance cost.

Who is better, Chubb or Redpoint County Mutual?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Chubb and Redpoint County Mutual offer me different rates?

Insurance companies take a look at several different variables when calculating the premiums they charge drivers. Factors like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be used. Both Chubb and Redpoint County Mutual calculate prices using different variables, so each one will most likely offer different premiums. 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 Redpoint County Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the cheapest premium. And who knows, the best carrier for you might not be Chubb or Redpoint County Mutual at all!

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.