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

Quick Facts

• Looking at the national averages for car insurance, Sentry offers significantly cheaper prices than Chubb
• Chubb may help you save more money -- they offer more discounts than Sentry Insurance
• Sentry has less expensive rates for drivers with a DUI

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Chubb or Sentry as potential options, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, Chubb has average rates that are around 35% a month more expensive than those from Sentry.

However, that doesn't mean Sentry will necessarily be more affordable than Chubb for each driver. Auto insurance companies vary their premiums depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and a variety of other factors, so rates will vary quite a bit from person to person.

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

Chubb vs. Sentry: Average Car Insurance Rates by State

Chubb and Sentry only compete against each other in two states, with Chubb offering cheaper rates to the average driver in all of them. If you live in Washington, Chubb is the more affordable of the two carriers when looking at the overall average prices. Sentry is the less expensive option in Wisconsin.

There are plenty of other factors that go into your car insurance cost than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers out there on the road. That's usually because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Sentry save almost 35% per month compared to those who use Chubb.

But both companies will offer you dramatically lower premiums once you turn 25. For example, average rates for Chubb policyholders reduce about $350 and Sentry's prices drop around $200 over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Sentry gets the edge here, with average prices coming in at about $148 per month compared to Chubb's $187.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for single policyholders than they are for married drivers. This usually boils down to married policyholders having more than one vehicle on their policy -- something a lot of insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is significant, with Sentry rates coming in at a third less than Chubb's. The advantage for married couples with Sentry is also obvious, where drivers save over 30% a month.

Chubb or Sentry: Average Rates by Gender

Did you know women tend to pay less for auto insurance than men? That's because women are less likely to get tickets and get into collisions, which lowers the chances of filing a claim with insurance.

With Chubb, women typically pay more than $10 per month less than men, and around $20 less with Sentry.

Looking at the data for each carrier specifically, Sentry comes out on top for both men and women. On average, male drivers save about $91 a month and women save about $100 with Sentry compared to the average Chubb policyholder.

Chubb vs. Sentry: 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.

It's no secret that car insurance can be pretty complicated. There are a bunch of different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability insurance, Sentry has the significant edge, with average monthly premiums coming in at $104. If you want a full coverage policy with the same state minimum limits, Sentry again has the edge, with policies averaging around $286 per month to Chubb's $412.

Is Chubb or Sentry Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Chubb for their car insurance can normally expect their monthly bill to go up about 15% after getting a speeding ticket. Sentry policyholders can expect a less drastic increase of around 12%.

That being said, Sentry tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With Sentry Insurance, drivers with a clean record can save about $45 a month and drivers with a speeding ticket can save around $58 per month.

Which Company is Best for Drivers After an Accident?

Chubb drivers who get in a collision can expect to see their premiums rise by over $65, while those who have insurance through Sentry will see about a $45 increase.

At the end of the day, the more affordable prices come from Sentry, with average rates coming in at $221 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. Chubb drivers usually see a 43% climb in their car insurance prices after a DUI charge, while Sentry will typically increase premiums by around 0%.

But if you end up with a DUI charge and are looking for more affordable rates, Sentry tends to be less expensive for the average driver, with monthly premiums coming in at about $178 to Chubb's $389.

How does Credit Score Impact Chubb and Sentry Rates?

Did you know many insurance companies take into account your credit score when determining premiums? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect several 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.

So, which company offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Chubb will normally reward you the most for an "excellent" credit score. For drivers with "excellent" credit scores, Chubb comes in 5% cheaper. Drivers with "good" credit scores usually save around 6% with Sentry compared to average premiums from Chubb.

Which Company is Best for Drivers with Bad Credit?

Sentry typically offers lower prices than Chubb when it comes to drivers with bad credit. Drivers with "fair" credit pay about 14% a month less with Sentry compared to Chubb, and those with "poor" scores generally save an average of around 60% a month.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance bill. Usually, the more milage you drive, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Sentry 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 yearly. Still, for drivers in both categories, Sentry is the more affordable carrier.

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

Where your home is can have a sizable impact on your monthly auto insurance payment. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the road where they live, which decreases the chances of an accident.

When comparing these two carriers side-by-side, Sentry normally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to pay around $143 monthly with Sentry and $252 with Chubb. People in suburban areas pay a monthly premium of about $218 with Sentry compared to $260 with Chubb. In urban areas, Sentry's average rates are around $224 per month compared to Chubb's $360.

Chubb vs. Sentry Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

The challenging part is finding all of the discounts you're eligible 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 Sentry so that you can find the company that has the most discounts and, therefore, the largest savings.

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

There are a couple discounts both companies offer, but Chubb also offers discounts for ABS, anti-theft, distant student, and more.

On the other hand, Sentry has a few proprietary discounts of their own for things like advance quote discounts, homeowner discounts, multi-car discounts, and more.

Final Thoughts: Is Chubb or Sentry Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the best carrier for you and your specific needs?

Sentry might be best for you if....

• You have an at-fault accident on your record.
• Your credit is less-than-stellar.
• You drive often but have a short commute.

Chubb might be best for you if...

• You're looking for discounts -- Chubb has the most.

Hopefully, this guide helps you get a good idea of the differences between Chubb and Sentry. 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 insurance policy is to compare quotes from several companies, not just Chubb and Sentry. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Chubb vs. Sentry FAQs

Is Chubb or Sentry cheaper?

Sentry is the cheaper of the two companies when looking at national average prices, with policies averaging $195 a month with Sentry and $291 for Chubb. Even so, that doesn't mean Sentry will be the cheapest carrier for each driver, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Chubb or Sentry?

Unfortunately, the answer truly is "it depends.". No single company is "better" for everyone -- it all boils down to your unique car insurance profile. For example, Chubb is less expensive for drivers with excellent credit, while Sentry offers cheaper rates for drivers with a recent DUI.

Why do Chubb and Sentry offer me different rates?

Auto insurance carriers use lots of different variables when calculating the prices they charge. Things such as age, gender, where you park your car, your driving record, and sometimes even things like your credit score can all come into play. Both Chubb and Sentry calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if Chubb or Sentry 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 carriers 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 information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Chubb or Sentry 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.