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

Wondering if Chubb or The Hartford is the best auto insurance company for you, your vehicle, and your wallet? We've broken down all the prices and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • In general, The Hartford offers slightly cheaper premiums than Chubb
  • Chubb offers more affordable average rates for drivers with a DUI charge on their record
  • The Hartford tends to be a much less expensive option for policyholders who drive a short distance to work everyday


Chubb vs. The Hartford: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might have narrowed it down to Chubb or The Hartford for your next policy, but between the two, which carrier has cheaper prices for car insurance?

Chubb The Hartford
$291$265

Looking at nationwide averages, The Hartford is about $26 per month more affordable than Chubb.

That being said, that doesn't mean The Hartford will necessarily be less expensive than Chubb for every driver. Insurance companies use a variety of complex algorithms to calculate premiums, so depending on how good your credit score is or how old you are (among a lot of other factors), you could see wildly different rates from the ones above.

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

Chubb or The Hartford: Average Car Insurance Rates by State

State Chubb The Hartford
CA$332$265

Chubb and The Hartford only compete against each other in California, where The Hartford offers the cheaper average prices. For California residents, The Hartford offers auto insurance for $265 a month on average. Chubb's average rates come out to be over 20% more expensive, at $332 monthly.

There are plenty of other factors that go into your car insurance cost than just the state you live in. Read on to learn more.


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Which is the Best Company For Young Drivers?

Chubb The Hartford
18-year-old drivers$633$435
25-year-old drivers$288$294

You might already know that teen drivers generally pay a lot more for auto insurance than any group out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have The Hartford for their insurance pay nearly $200 less than those who use Chubb.

But both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Chubb policyholders lower almost $350 and The Hartford's rates drop around $150 over that time.

Which is the Best Company for Retired Drivers?

Chubb The Hartford
65+-year-old drivers$187$192

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

But who has the best rates for retired drivers between Chubb and The Hartford? Chubb gets the slight edge here, with average premiums coming in at about $187 per month compared to The Hartford's $192. However, the difference is only around 5%, so other factors (such as your driving record is or your credit score) will likely come into play when determining which company has the lowest prices for you.

Which is the Best Company for Married Drivers?

Chubb The Hartford
Single$338$293
Married$227$226

Did you know that auto insurance rates are typically more expensive for single drivers than they are for married drivers? That's because policies for married couples generally cover multiple cars, which quite a few companies will offer you a discount for.

When it comes to relationship status, The Hartford is the clear winner for those who are single, with premiums about $45 a month cheaper than Chubb, on average. But for married policyholders, that advantage is much less clear - The Hartford offers the most affordable average prices , but the difference is only a dollar.

Chubb vs. The Hartford: Average Rates by Gender

Chubb The Hartford
Male$296$265
Female$285$265

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get speeding tickets and get into collisions, which decreases the chances of an insurance claim.

Usually, men see rates around 4% per month higher with Chubb; and with The Hartford, both genders end up paying the same monthly premium.

Looking at overall affordability, The Hartford comes out on top for both men and women. On average, women save about $20 a month and men save about $31 with The Hartford compared to the average Chubb policyholder.


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Chubb or The Hartford: Compare State Minimum vs. Full Coverage Rates

Chubb The Hartford
State Minimum*$169$135
Full Coverage**$412$394

*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.

For most people, insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability limits, The Hartford normally offers more affordable premiums of $135 compared to Chubb's $169. When it comes to full coverage policies with similar limits, The Hartford again has the edge, with policies around $20 per month less expensive than Chubb, on average.

Is Chubb or The Hartford Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great prices 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 tickets and at-fault collisions on your record, but which of these two companies offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb The Hartford
Clean Record$223$126
1 Speeding Ticket$261$197

Chubb policyholders can expect their premiums to go up an average of $38 a month if they get a ticket, while The Hartford typically raises prices about $71 per month, on average.

However, The Hartford has more affordable rates for drivers in both categories -- their rates are around 43% cheaper for drivers with clean records and 25% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Chubb The Hartford
Clean Record$223$126
1 At-Fault Accident$290$262

After an accident, drivers who have their auto insurance through Chubb can expect to see around an $67 -- or about 23% -- increase in their insurance premiums. Drivers who use The Hartford for their car insurance will see a monthly bill around $136 (or 52%) more expensive after reporting a collision to their auto insurance carrier.

Overall, drivers who use The Hartford end up with the cheaper prices after an accident, with monthly prices averaging $262 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

Chubb The Hartford
Clean Record$223$126
1 DUI$389$474

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. The Hartford drivers usually see a 73% raise in their car insurance premiums after a DUI charge, while Chubb will usually increase rates by about 43%.

If you have a DUI on your record and are looking for more affordable prices, Chubb tends to be the much more affordable option with average premiums of $389 a month compared to $474 from The Hartford.


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How does Credit Score Impact Chubb and The Hartford Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating prices? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of drivers.

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, policyholders with bad credit will often be forced to pay more.

Looking specifically at Chubb and The Hartford, which one has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Chubb The Hartford
Excellent Credit Score$164No Data Available
Good Credit Score$197No Data Available

If you have fantastic credit, Chubb will typically reward you. With Chubb, improving your score from "good" to "excellent" will usually save you around 15%. On the other hand, The Hartford doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Chubb The Hartford
Fair Credit Score$229No Data Available
Poor Credit Score$566No Data Available

Having bad credit can cost you with Chubb. For drivers with less-than-stellar credit, at Chubb, you may pay about $350 a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. The Hartford, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with The Hartford over Chubb.


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

Chubb The Hartford
6,000 Annual Miles$286$237
12,000 Annual Miles$296$292

The amount of time you spend behind the wheel of your car plays a big role in your monthly car insurance payment. Normally, those who drive less will end up with less expensive rates since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, The Hartford tends to be the cheaper option. The Hartford's average premiums for drivers with 6,000 annual miles come in over 15% less expensive than Chubb. Those who drive 12,000 miles annually can expect to pay 1% less with The Hartford over Chubb.

Chubb vs. The Hartford: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a considerable impact on your monthly auto insurance bill. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Chubb The Hartford
Urban Areas$360$273
Suburban Areas$260$265
Rural Areas$252$255

When comparing these two carriers side-by-side, Chubb normally comes out as the cheaper option for drivers in rural and suburban areas, while The Hartford wins in urban areas.

If you live in a rural area, you can expect to save around 1% with Chubb compared to The Hartford. Drivers in suburban ZIP codes pay about 2% less with Chubb compared to The Hartford. In urban areas, The Hartford's average rates are around 24% less than Chubb.

Chubb vs. The Hartford Discounts

Regardless of 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 possible. That's where auto insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Chubb and The Hartford 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 The Hartford
ABS Discount
Anti-Theft Discount
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Driver-Vehicle Combination Discount 
DRL Discount 
Employee Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Lay-Up Credit Discount 
Mature Driver Discount 
Multi-Policy Discount
Occasional Operator Discount 
Passive Restraint Discount
Renewal Discount
Umbrella Policy Discount 
Vehicle Ownership Discount 
Youthful Longevity Discount 

Looking at the total number of discounts, Chubb has a slight advantage when it comes to total number of discounts. The Hartford offers a grand total of 13 discounts, while Chubb has 15.

There are a couple discounts both companies offer, but Chubb also offers driver training discounts, driver-vehicle combination discounts, DRL discounts, and more that The Hartford does not.

On the flip side, The Hartford has a couple unique discounts of its own -- employee discounts, discounts for being a good driver, group discounts, and more.


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Final Thoughts: Is Chubb or The Hartford Best for You?

So, you've seen how different variables can affect your insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best company for you and your specific needs?

The Hartford might be best for you if....

  • You have a clean driving record, free of accidents, tickets, or DUIs.
  • You're looking for more protection with "full coverage" car insurance.
  • You are purchasing your auto insurance with a spouse.


Chubb might be best for you if...

  • You have a DUI charge on your record.
  • You want to save extra money with discounts.
  • You live in a rural area.

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just Chubb and The Hartford. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.


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Chubb vs. The Hartford FAQs

Is Chubb or The Hartford cheaper?

Looking just at the national average premiums, The Hartford is the more affordable of the two carriers, offering average rates of $265 per month compared to $291 for Chubb. Even so, The Hartford won't necessarily be the cheapest carrier for every policyholder, since there are a bunch of different factors that come into play when it comes to your insurance cost.

Who is better, Chubb or The Hartford?

Sadly, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, The Hartford offers less expensive rates for single policyholders, while Chubb is more affordable for drivers who have already retired.

Why do Chubb and The Hartford offer me different rates?

Insurance companies take a look at several different variables when determining the premiums they charge drivers. Factors such as your driving record, age, where you live, gender, and sometimes even things like your credit score can all come into play. Both Chubb and The Hartford calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Chubb or The Hartford is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Chubb or The Hartford 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.

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