Chubb vs. State Farm Car Insurance: Which Is Better in 2025?

State Farm scores better than Chubb in all of our categories. But drivers who own luxury vehicles might benefit from Chubb’s unique coverage.

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Anna Baluch
Written byAnna Baluch
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.

Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.

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Edited byMatthew Gross
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Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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State Farm and Chubb offer a variety of auto coverages, plus telematics programs that can save you money for safe driving. Both companies also sell their products through agents who can help you personalize your policy.

While these insurers have some similarities, State Farm has lower rates, and Chubb tailors its coverage to drivers with luxury vehicles.

To help you pick the ideal insurer for your needs, let’s take a closer look at how State Farm and Chubb compare.

Key Takeaways
  • State Farm offers cheaper car insurance premiums than Chubb.

  • If you drive a luxury car, Chubb’s Masterpiece auto insurance coverage might be worthwhile.

  • Both State Farm and Chubb offer telematics programs, but State Farm’s Drive Safe & Save could save you more money.

Chubb Auto Insurance Overview

Chubb logo
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
3.5 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$120/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$213/mo
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.83
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Based in Warren, New Jersey, Chubb focuses on car insurance for drivers with luxury vehicles. The insurer sells policies through an independent agent network.

Chubb’s Masterpiece insurance program includes unique perks, including using OEM parts for repairs, rental reimbursement of up to $15,000 with no per-day limits, and pet injury coverage of up to $2,000.

Although Chubb offers many benefits and holds an A++ (Superior) rating from AM Best, its car insurance rates are high for most drivers.[1] J.D. Power also hasn’t rated Chubb for customer or claims satisfaction.[2]

Pros
  • OEM parts coverage available

  • Offers rental coverage with no per-day limits

  • Offers pet injury coverage of up to $2,000

Cons
  • High premiums

  • Fewer discounts than other insurers

  • Not rated by J.D. Power

State Farm Auto Insurance Overview

State Farm logo
User Reviews
3.9
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.7 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$109/mo
3.9
A solid optionBased on 548 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Best For
How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Best For
Reviews (288)
Carol
Verified Review
Expensive
Reviewed in Georgia on July 2025
Check around and compare pricing.
Alvin
Verified Review
Quality of Coverage vs Cost
Reviewed in Florida on July 2025
The issue is the cost for coverage.
Steve
Verified Review
Hail Damage Claim Denied
Reviewed in Florida on July 2025
The experience with home claims was horrible. Many claims were approved for hail damage, but mine was disapproved. They said the damage was caused by a hail storm when I was with another agency. If so, I never knew about it. This is the first home claim I have made. I bought this house new in 2015, and no claim for home insurance has ever been filed before.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is headquartered in Bloomington, Illinois, and is one of the largest insurance companies in the U.S.[3] The company offers a variety of products, including car insurance, home insurance, bank accounts, IRAs, and annuities.

State Farm has a long list of discounts, plus the Drive Safe & Save telematics program can save you up to 30% for safe driving. While State Farm has its benefits, it’s not focused on luxury vehicles and has a poor Trustpilot rating.[4]

Pros
  • Affordable rates

  • Above-average customer satisfaction ratings in every region

  • Many discounts available

Cons
  • Doesn’t offer special coverage for luxury vehicles

  • Daily limit on rental car reimbursement

  • Doesn’t guarantee the use of OEM parts during repairs

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How State Farm and Chubb Stack Up

When you shop around for an auto policy, it’s important to look beyond cost. After all, customer satisfaction, policy management, availability, and industry reputation can all affect your experience.

In the table below, you’ll see how Chubb and State Farm compare across these five categories, according to Compare.com data.

Category
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Chubb
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State Farm
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Cost3/55/5
Customer satisfaction3/54.7/5
Policy management4.6/55/5
Availability2.7/55/5
Industry reputation2.3/55/5
Overall Score3.35/55/5

Our analysis shows that State Farm is the clear winner across every category. The insurance company offers lower rates, better customer satisfaction, and easier policy management than Chubb. Plus, it has a better reputation and greater availability, as it’s one of the largest insurers in the U.S.

How We Determine Our Ratings

Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.

We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.

Chubb vs. State Farm: Which Is Cheaper?

Car insurance rates can vary by insurance company and driver. Each insurer has its own system for determining premiums. They’ll also consider factors like your age, location, driving record, and credit history.

To get a good deal on auto insurance, you should compare quotes from multiple insurers. For the best comparison, make sure you check rates for drivers with a similar background to you.

Below, you’ll find average car insurance rates from Chubb and State Farm for different drivers and how they compare to industry averages, according to Compare.com data.

Driver Type
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Chubb
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State Farm
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Industry Average
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All drivers$213$109$177
Teens$503$220$339
Seniors$139$79$151
Recent ticket$267$135$223
Recent accident$273$139$232
DUI conviction$309$158$257
Poor credit$414$174$215
Disclaimer: Table data sourced from real-time quotes from Compare.com's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Chubb and State Farm rates by state

Where you live also has a major effect on what you pay for an auto policy. For example, you’ll likely pay higher insurance rates if you’re in an urban area or a state with many underinsured drivers.

Here’s a look at how premiums for Chubb and State Farm differ by state, according to our research.

Chubb and State Farm Rates by State

State
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State Farm
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Chubb
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Alabama$93N/A
Alaska$139N/A
Arizona$134N/A
Arkansas$85N/A
California$279$497
Colorado$114N/A
Connecticut$154N/A
Delaware$184N/A
Florida$115N/A
Georgia$143N/A
Hawaii$138N/A
Idaho$49N/A
Illinois$85N/A
Indiana$81N/A
Iowa$43N/A
Kansas$95N/A
Kentucky$159N/A
Louisiana$106N/A
Maine$82N/A
Maryland$269N/A
Massachusetts$76N/A
Michigan$221$117
Minnesota$88$129
Mississippi$73N/A
Missouri$114N/A
Montana$63N/A
Nebraska$130N/A
Nevada$96N/A
New Hampshire$96N/A
New Jersey$432N/A
New Mexico$135N/A
New York$201$391
North Carolina$147N/A
North Dakota$41N/A
Ohio$72N/A
Oklahoma$79N/A
Oregon$96N/A
Pennsylvania$77$183
Rhode Island$160N/A
South Carolina$116N/A
South Dakota$90N/A
Tennessee$90$257
Texas$96$292
Utah$115N/A
Vermont$30N/A
Virginia$103$151
Washington$111$186
Washington D.C.$298N/A
West Virginia$80N/A
Wisconsin$61$101
Wyoming$51N/A

State Farm vs. Chubb: Which Has Better Coverage?

Each car insurance company offers different car insurance products. State Farm and Chubb both offer standard coverages, including liability, collision, and comprehensive coverages. But you should check out an insurer’s optional add-ons to make sure they have the coverage you need.

Below, you’ll find the coverage options for State Farm and Chubb, according to publicly available information.Unlike Chubb, State Farm sells rideshare insurance and roadside assistance. But Chubb stands out for its unique add-ons tailored toward luxury drivers.

Chubb offers agreed-value coverage, lock/key replacement, and child safety seat replacement. Plus, its rental car reimbursement option providers up to $15,000 in coverage with no daily caps.

Coverage Type
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Chubb
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State Farm
sort ascsort desc
Comprehensive
Collision
Medical payments (MedPay) 
Personal injury protection (PIP)  
Uninsured/underinsured motorist (UM/UIM)
Roadside assistance 
Rental reimbursement
Gap insurance  
Accident forgiveness  
Mechanical breakdown  
Rideshare endorsement 
Vanishing deductibles  
New car replacement  
Pet injury 
Classic car
Agreed value 
Lock/key replacement 
Child safety seat replacement 

Unlike Chubb, State Farm sells rideshare insurance and roadside assistance. But Chubb stands out for its unique add-ons tailored toward luxury drivers.

Chubb offers agreed-value coverage, lock/key replacement, and child safety seat replacement. Plus, its rental car reimbursement option provides up to $15,000 in coverage with no daily caps.

State Farm vs. Chubb: Which Has Better Discounts?

Most auto insurance companies offer discounts. Common discounts include safe driving, good student, and vehicle safety feature discounts. Since some insurers offer more savings than others, you should check each company’s discounts when comparing rates.

Fortunately, we took care of some of the work for you. Below are the various discounts State Farm and Chubb advertise on their websites.

Discount Type
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Chubb
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State Farm
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Affinity  
Alternative energy  
Anti-theft
Automatic payments  
Customer loyalty  
Defensive driver
Driver training
Good student
Early shopper  
Federal employee  
Homeowner  
Low mileage 
Military  
Multi-policy 
Multi-vehicle  
New car 
Paperless billing  
Paid-in-full  
Safe driver 
Safety equipment
Student away at school 
Teacher  
Usage-based/telematics

State Farm offers slightly more discount opportunities than Chubb. With State Farm, you may score a discount if you’re a student away at school, a safe driver, or a low-mileage driver. State Farm also states that you can ask your insurance agent for hidden discounts to maximize your savings. Both insurers offer discounts for bundling multiple policies.

Chubb SafeLane vs. State Farm Drive Safe & Save

Smiling woman in a yellow shirt using a laptop at a modern cafe, with a smartphone and glasses on the table.

Chubb and State Farm offer telematics programs that reward safe drivers with discounts. With Chubb SafeLane, you’ll get up to 10% for signing up and up to 20% for responsible driving habits. Plus, you can get insights and recommendations to help you improve your driving.

While State Farm’s Drive Safe & Save program is similar, it offers a bigger discount. You can get up to 30% off for safe driving.

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Chubb vs. State Farm FAQs

If you’re still wondering how Chubb and State Farm compare, we’re here to help. Here are answers to some common questions about Chubb, State Farm, and their car insurance policies.

  • Is State Farm or Chubb better?

    It depends. State Farm is the better choice for most drivers because it has lower premiums, more discounts, and better customer satisfaction ratings. But if you drive a luxury vehicle, you might find better value in Chubb’s unique coverages.

  • Which car insurance company is the best?

    It depends. No single car insurer is right for every driver. Your vehicle, budget, and coverage needs will determine the best car insurance company for you. For example, State Farm is likely your best bet if you’re looking for the cheapest rates. But if you prefer repairs with OEM parts and a generous rental car reimbursement plan, Chubb might be a better fit.

  • Is Chubb cheaper than State Farm?

    No. Chubb typically isn’t cheaper than State Farm. In fact, Chubb’s car insurance rates are usually more expensive than State Farm’s for most drivers. But if you have a luxury car and want coverage with Chubb, the company’s SafeLane telematics program can save you money on your premium.

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

  1. AM Best. "AM Best Affirms Credit Ratings of Chubb Limited and Its Subsidiaries."
  2. J.D. Power. "2025 U.S. Auto Insurance Study."
  3. Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
  4. Trustpilot. "State Farm Reviews."
About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

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Learn more about us, our team, and what makes us tick.

Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert who’s written for Compare.com since 2023. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions.

Her work can be seen across the web in several notable publications, including Freedom Debt Relief, Credit Karma, RateGenius, and The Balance.

Matthew Gross
Edited byMatthew GrossEditor
Matthew Gross headshot
Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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