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

Quick Facts

• Looking at the national averages for insurance, State Auto offers more affordable rates than Chubb
• State Auto tends to be a much cheaper option for residents of urban areas
• State Auto offers more affordable prices for drivers who have an at-fault accident on their record

Chubb vs. State Auto: Which Company has the Cheapest Car Insurance?

Are you in the market for 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've maybe even narrowed it down to Chubb or State Auto as potential options, but which carrier will save you the most?

As you can see, State Auto is about $32 per month less expensive than Chubb when looking at the national average rates for auto insurance.

However, State Auto may not be the most affordable or best option for each driver out there. Car insurance companies vary their rates depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and tons of other factors, so prices could vary drastically from person to person.

Luckily, we've broken down average premiums from both Chubb and State Auto by multiple different rate factors, so read on to find out which company is the best for you.

Chubb or State Auto: Average Car Insurance Rates by State

Chubb and State Auto compete against each other in four states, with State Auto offering more affordable prices to the average driver in all of them. If you live in Texas, Chubb is the less expensive of the two carriers when looking at the overall average premiums. State Auto is the cheaper option in Pennsylvania, Tennessee, and Wisconsin.

There's a lot more that goes into your insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers out there on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of $100 less a month by choosing Chubb over State Auto.

But with both companies, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Chubb policyholders drop nearly 55% and State Auto's rates lower almost 75% over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? State Auto gets the edge, with rates for drivers 65 and older $20 more affordable than the national average for Chubb.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, the two carriers are comparable for single policyholders, with rates only differing around $11 per month, on average. The advantage for married policyholders is more obvious, where drivers who use State Auto save nearly $60 a month.

Chubb vs. State Auto: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll generally end up paying more for auto insurance than women.

On average, women see prices about 4% per month less with Chubb, and around 9% less with State Auto.

Looking at the data for each company specifically, State Auto comes out on top for both men and women. On average, women save about $38 a month and men save about $25 with State Auto compared to the average Chubb policyholder.

Chubb or State Auto: 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.

Car insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

That being said, 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 usually refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability limits, State Auto generally offers less expensive rates of $149 compared to Chubb's $169. When it comes to full coverage policies with similar limits, State Auto again has the edge, with policies around $45 per month cheaper than Chubb, on average.

Is Chubb or State Auto Better for Drivers with Spotty Records?

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

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

Which Company is Best for Drivers with Speeding Tickets?

Chubb policyholders can expect their premiums to go up an average of $38 a month if they get a ticket, while State Auto typically raises prices about $48 per month, on average.

However, State Auto tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering rates that are $53 and $43 more affordable, respectively, compared to Chubb.

Which Company is Best for Drivers After an Accident?

Chubb drivers who get in a collision can expect to see their premiums increase by just under 25%, while those who have insurance through State Auto will see around a 35% increase.

Overall, drivers who use State Auto end up with the cheaper prices after an accident, with monthly rates averaging $269 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 car insurance bill. For example, State Auto increases average prices by over $200 a month -- that's over a 55% increase.

If you have a DUI on your record and are looking for more affordable premiums, State Auto tends to be the much less expensive option with average rates of $380 a month compared to $389 from Chubb.

How does Credit Score Impact Chubb and State Auto Rates?

Did you know that many insurance companies take your credit score into account when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for several policyholders.

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 State Auto and Chubb, which one has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Chubb. Drivers with "excellent" credit can save more than 15% compared to State Auto, and those with "good" scores can also expect to see savings -- about $31 or 14% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay around $33 less with Chubb than State Auto, but those whose credit is considered "poor" have it flipped -- saving about $213 per month with State Auto.

Is Chubb or State Auto 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 miles you drive, 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 State Auto charges. However, there's a small difference in monthly premiums for Chubb, with policyholders who drive 6,000 miles annually paying around $10 less every month compared to those who drive 12,000 miles yearly. Still, State Auto is the less expensive option for drivers in both categories.

Chubb vs. State Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads in those areas.

State Auto boasts the cheapest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both carriers, but State Auto comes out on top with average premiums about $225 per month. State Auto also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a 12% and 9% a month respective difference when compared to Chubb drivers in similar areas.

Chubb vs. State Auto Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

The challenging part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've broken down all of the different discounts offered by both Chubb and State Auto so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, State Auto has advantage when it comes to total number of discounts. Chubb offers a grand total of 15 discounts, while State Auto has 18.

Both companies offer several of the same discounts -- like ABS discounts, discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts -- but State Auto also offers advance quote discounts, advantage program discounts, COVID-19 relief discount, and more that Chubb does not.

On the flip side, Chubb has a couple unique discounts of its own -- driver-vehicle combination discounts, DRL discounts, occasional operator discounts, and more.

Final Thoughts: Is Chubb or State Auto Best for You?

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which carrier is the right company for you, your vehicle, and your wallet?

State Auto might be best for you if....

• You've been pulled over for speeding recently.
• You're looking for the company with the most discounts.
• You have a short drive to work everyday.

Chubb might be best for you if...

• You have above-average credit.
• You're buying insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a better idea of the difference between Chubb and State Auto and that it aids in making a more informed 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 multiple companies, not just Chubb and State Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Chubb vs. State Auto FAQs

Is Chubb or State Auto cheaper?

Looking just at the national average prices, State Auto is the more affordable of the two companies, offering average rates of $259 per month compared to $291 for Chubb. That being said, State Auto won't necessarily be the most affordable carrier for each driver, since there are a range of different variables that are considered when it comes to your auto insurance cost.

Who is better, Chubb or State Auto?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique insurance profile. For example, State Auto offers cheaper premiums for drivers with a recent DUI, while Chubb is less expensive for drivers with excellent credit.

Why do Chubb and State Auto offer me different rates?

Car insurance carriers take a look at quite a few different factors when determining the prices they charge policyholders. Variables such as age, where your home is, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and State Auto calculate rates using different formulas, 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 companies.

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

The only way to find the auto 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, Compare.com does all the hard work for you. Just enter your area information 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 most affordable premium. And who knows, the best carrier for you might not be Chubb or State Auto 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.