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

Quick Facts

• In general, Southern County Mutual offers significantly more affordable premiums than Chubb
• Chubb offers more discounts than Southern County Mutual Insurance Company
• Southern County Mutual offers more affordable prices for drivers who have received a ticket within the last few years

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering big discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Chubb or Southern County Mutual for your next policy, but between the two, which one will save you the most?

Looking at nationwide averages, Chubb has average rates that are about 40% per month more expensive than those from Southern County Mutual.

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

Wanting to know if Chubb or Southern County Mutual is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

Chubb and Southern County Mutual only compete against each other in Texas, where Southern County Mutual offers the cheaper average rates. For Texas residents, Southern County Mutual offers car insurance for $179 a month on average. Chubb's average prices come out to be over 20% more expensive, at $218 monthly.

That being said, there are plenty of other factors that go into your insurance bill than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. That's usually because young, inexperienced 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Southern County Mutual for their car insurance pay nearly $300 less than those who use Chubb.

However, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for Chubb policyholders drop almost 55% and Southern County Mutual's premiums lower more than 50% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Chubb and Southern County Mutual specifically, which company is best for retired drivers? Southern County Mutual gets the edge here, with average premiums coming in at around $129 per month compared to Chubb's $187.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance rates than married drivers. That's because policies for married couples generally cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, Southern County Mutual is the clear winner for those who are single, with prices about $134 a month cheaper than Chubb, on average. For married policyholders, the advantage is clear again - Southern County Mutual has the edge when it comes to average rates.

Chubb vs. Southern County Mutual: Average Rates by Gender

Men typically pay more for insurance than women. This is because men are more likely to get into collisions and get tickets, which increases the chances of an insurance claim.

Usually, men see prices over $10 per month higher with Chubb, while with Southern County Mutual, the difference is closer to $18 a month.

Looking at the data for each carrier specifically, Southern County Mutual comes out on top for both men and women. On average, women save about $115 per month and men save around $108 with Southern County Mutual compared to the average Chubb policyholder.

Chubb or Southern 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.

It's no secret that auto insurance can be a complicated subject for most people. There are a range of different coverages that account for many 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.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum limits for liability insurance, Southern County Mutual usually offers significantly less expensive premiums of $105 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Southern County Mutual again has the edge, with policies about $150 a month cheaper than Chubb, on average.

Is Chubb or Southern 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.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb policyholders can expect their prices to go up an average of $38 per month if they get a ticket, while Southern County Mutual typically raises premiums around $10 a month, on average.

That being said, Southern County Mutual has more affordable prices for drivers in both categories -- their rates are around 26% cheaper for drivers with clean records and 33% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault accident with Chubb increasing by over $65. Southern County Mutual has a less extreme climb, but you can still expect to pay $3 more than you were prior to your first collision.

Overall, Southern County Mutual offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $169 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 speeding ticket when it comes to your insurance bill. For example, Chubb increases average premiums by more than $150 per month -- that's just under a 45% increase.

If you have a DUI on your record and are looking for more affordable rates, Southern County Mutual tends to be the much less expensive option with average premiums of $207 monthly compared to $389 from Chubb.

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

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it does affect quite a few drivers out there.

The reasoning auto insurance companies use is that policyholders 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 generally be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Southern County Mutual. Policyholders with "excellent" credit can save nearly 10% compared to Chubb, and those with "good" scores can also expect to see savings -- about $34 or 17% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Southern County Mutual typically offers lower rates than Chubb when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $35 a month less with Southern County Mutual compared to Chubb, and those with "poor" scores normally save an average of about $355 per month.

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

How much you drive can have a large impact on your monthly car insurance cost. Generally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

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

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

Where you park your car can have a pretty big impact on your monthly auto insurance payment. 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.

Southern County Mutual tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Southern County Mutual offers prices about $202 a month compared to Chubb's $360. People who live in suburban ZIP codes can expect to pay around $177 per month for Southern County Mutual and $260 for Chubb. Lastly, those in rural areas tend to get the cheapest premiums from both carriers, with average monthly prices coming in at $159 and $252 for Southern County Mutual and Chubb respectively.

Chubb vs. Southern 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 car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've compared all of the different discounts offered by Chubb and Southern County Mutual so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Chubb blows Southern County Mutual away when it comes to the sheer amount of discounts available, offering six more discounts than Southern County Mutual.

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

On the flip side, Southern County Mutual has a couple unique discounts of its own -- corporate discounts, discounts for insuring multiple cars with the same company, paid in full discounts, and more.

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

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which company is the right company for you and your specific profile and needs?

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

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You live in an suburban area.
• You are over 65 years old and want to save some money on your insurance.

Chubb might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Chubb and Southern County Mutual. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Chubb and Southern 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 carriers in your area, all for free.

Chubb vs. Southern County Mutual FAQs

Is Chubb or Southern County Mutual cheaper?

Looking just at the national average prices, Southern County Mutual is the less expensive of the two companies, offering average rates of $179 a month compared to $291 for Chubb. But Southern County Mutual won't necessarily be the lowest carrier for everyone, since there are a variety of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Chubb or Southern County Mutual?

Sadly, the real answer is "it depends.". Neither company is "better" for each driver -- it all comes down to what your unique auto insurance profile looks like.

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

Insurance carriers take a look at a lot of different variables when calculating the rates they charge policyholders. Factors such as gender, age, where you call home, your driving record, and sometimes even things like your credit score can all come into play. Both Chubb and Southern County Mutual calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Chubb or Southern County Mutual is right for me?

The only way to find the car insurance company 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 Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Chubb or Southern 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.