)
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 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.
Updated
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In This Article
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.
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
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 |
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]
OEM parts coverage available
Offers rental coverage with no per-day limits
Offers pet injury coverage of up to $2,000
High premiums
Fewer discounts than other insurers
Not rated by J.D. Power
State Farm Auto Insurance Overview
User Reviews | 3.9 |
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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 |
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.
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.
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]
Affordable rates
Above-average customer satisfaction ratings in every region
Many discounts available
Doesn’t offer special coverage for luxury vehicles
Daily limit on rental car reimbursement
Doesn’t guarantee the use of OEM parts during repairs
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 | Chubb | State Farm |
---|---|---|
Cost | 3/5 | 5/5 |
Customer satisfaction | 3/5 | 4.7/5 |
Policy management | 4.6/5 | 5/5 |
Availability | 2.7/5 | 5/5 |
Industry reputation | 2.3/5 | 5/5 |
Overall Score | 3.35/5 | 5/5 |
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.
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 | Chubb | State Farm | Industry Average |
---|---|---|---|
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 |
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 | State Farm | Chubb |
---|---|---|
Alabama | $93 | N/A |
Alaska | $139 | N/A |
Arizona | $134 | N/A |
Arkansas | $85 | N/A |
California | $279 | $497 |
Colorado | $114 | N/A |
Connecticut | $154 | N/A |
Delaware | $184 | N/A |
Florida | $115 | N/A |
Georgia | $143 | N/A |
Hawaii | $138 | N/A |
Idaho | $49 | N/A |
Illinois | $85 | N/A |
Indiana | $81 | N/A |
Iowa | $43 | N/A |
Kansas | $95 | N/A |
Kentucky | $159 | N/A |
Louisiana | $106 | N/A |
Maine | $82 | N/A |
Maryland | $269 | N/A |
Massachusetts | $76 | N/A |
Michigan | $221 | $117 |
Minnesota | $88 | $129 |
Mississippi | $73 | N/A |
Missouri | $114 | N/A |
Montana | $63 | N/A |
Nebraska | $130 | N/A |
Nevada | $96 | N/A |
New Hampshire | $96 | N/A |
New Jersey | $432 | N/A |
New Mexico | $135 | N/A |
New York | $201 | $391 |
North Carolina | $147 | N/A |
North Dakota | $41 | N/A |
Ohio | $72 | N/A |
Oklahoma | $79 | N/A |
Oregon | $96 | N/A |
Pennsylvania | $77 | $183 |
Rhode Island | $160 | N/A |
South Carolina | $116 | N/A |
South Dakota | $90 | N/A |
Tennessee | $90 | $257 |
Texas | $96 | $292 |
Utah | $115 | N/A |
Vermont | $30 | N/A |
Virginia | $103 | $151 |
Washington | $111 | $186 |
Washington D.C. | $298 | N/A |
West Virginia | $80 | N/A |
Wisconsin | $61 | $101 |
Wyoming | $51 | N/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 | Chubb | State Farm |
---|---|---|
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 | Chubb | State Farm |
---|---|---|
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
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.
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.
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Sources
- AM Best. "AM Best Affirms Credit Ratings of Chubb Limited and Its Subsidiaries."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
- Trustpilot. "State Farm Reviews."
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Learn more about us, our team, and what makes us tick.
)
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 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.