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

So, you're in the market for a new car insurance policy. You may have even narrowed down your search to Chubb and Trustgard Auto. But which of these two companies is the best one for you? Read on to find which company has the best rates and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • In general, Trustgard Auto offers significantly cheaper prices than Chubb
  • Trustgard Auto has less expensive premiums for policyholders who haven't received any speeding tickets or been in an accident in the last few years
  • Trustgard Auto has more affordable rates for drivers who have less-than-stellar credit


Chubb vs. Trustgard Auto: 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 be considering Chubb or Trustgard Auto as your top options, but between the two, which company will save you the most?

Chubb Trustgard Auto
$291$137

Looking at the national average rates for both companies, Trustgard Auto is quite a bit cheaper than Chubb, with premiums averaging $137 per month compared to $291 with Chubb.

However, that doesn't mean Trustgard Auto will necessarily be cheaper than Chubb for every driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your age, your credit score, or even where you call home (among other things), so prices will change quite a bit from person to person.

So, if you want to find out which of Chubb or Trustgard Auto is really the best for you, keep reading to see average premiums for each carrier broken down by several different rate factors.

Chubb or Trustgard Auto: Average Car Insurance Rates by State

State Chubb Trustgard Auto
TN$248$139

Chubb and Trustgard Auto only compete against each other in one states, with Trustgard Auto offering more affordable rates to the average driver in all of them. Tennessee has the most noticable difference, where Trustgard Auto prices are over 70% less expensive than insurance premiums at Chubb.

But there's more to car insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance companies calculate your prices. Read on to find out more.


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Which is the Best Company For Young Drivers?

Chubb Trustgard Auto
18-year-old drivers$633$357
25-year-old drivers$288$108

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Trustgard Auto save nearly $300 a month compared to those who use Chubb.

But both carriers will drop prices once you turn 25. For example, average rates for Chubb policyholders reduce almost $350 and Trustgard Auto's premiums lower about $250 over that time.

Which is the Best Company for Retired Drivers?

Chubb Trustgard Auto
65+-year-old drivers$187$96

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

When looking at Chubb and Trustgard Auto specifically, which company is best for retired drivers? Trustgard Auto gets the edge here, with average prices coming in at around $96 per month compared to Chubb's $187.

Which is the Best Company for Married Drivers?

Chubb Trustgard Auto
Single$338$170
Married$227$94

You may not be aware, but car insurance premiums tend to be cheaper for married drivers than they are for single drivers. That's because policies for married policyholders usually cover more than one car, which a lot of companies will offer you a discount for.

When it comes to relationship status, Trustgard Auto is the clear winner for single policyholders, with prices about $168 per month less expensive than Chubb, on average. For married couples, the advantage is clear again - Trustgard Auto has the edge when it comes to average premiums.

Chubb vs. Trustgard Auto: Average Rates by Gender

Chubb Trustgard Auto
Male$296$142
Female$285$133

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will normally end up paying a little more.

With Chubb, women typically pay around 4% a month less than men, and about 6% less with Trustgard Auto.

When it comes to the most affordable rates for each gender, Trustgard Auto comes out on top for both men and women. On average, male drivers save about $154 per month and women save around $152 with Trustgard Auto compared to the average Chubb policyholder.


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Chubb or Trustgard Auto: Compare State Minimum vs. Full Coverage Rates

Chubb Trustgard Auto
State Minimum*$169$79
Full Coverage**$412$196

*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 car insurance can be a complicated subject for most people. There are multiple 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 a collision.

Even so, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Trustgard Auto usually offers significantly more affordable prices of $79 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Trustgard Auto again has the edge, with policies about $200 a month less expensive than Chubb, on average.

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

You've probably seen plenty of commercials from insurance carriers offering great rates 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 accidents on your record, but which of these two companies offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Chubb Trustgard Auto
Clean Record$223$98
1 Speeding Ticket$261$148

Chubb policyholders can expect their rates to go up an average of $38 per month if they get a ticket, while Trustgard Auto typically raises prices around $50 a month, on average.

That being said, Trustgard Auto has cheaper premiums for drivers in both categories -- their rates are around 56% more affordable for drivers with clean records and 43% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Chubb Trustgard Auto
Clean Record$223$98
1 At-Fault Accident$290$133

After an accident, drivers who have their auto insurance through Chubb can expect to see about an $67 -- or around 23% -- increase in their car insurance rates. Drivers who use Trustgard Auto for their auto insurance will see a monthly bill about $35 (or 26%) more expensive after reporting a collision to their insurance carrier.

Overall, the less expensive premiums come from Trustgard Auto, with monthly prices averaging $133 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

Chubb Trustgard Auto
Clean Record$223$98
1 DUI$389$171

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or speeding ticket. Chubb drivers usually see a 43% increase in their car insurance rates after a DUI charge, while Trustgard Auto will normally climb prices by around 43%.

If you have a DUI on your record and are looking for more affordable premiums, Trustgard Auto tends to be the much more affordable option with average prices of $171 monthly compared to $389 from Chubb.


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How does Credit Score Impact Chubb and Trustgard Auto Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for many drivers.

Insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Trustgard Auto and Chubb, which carrier has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Chubb Trustgard Auto
Excellent Credit Score$164$112
Good Credit Score$197$128

If you have a great credit score, you'll usually find a better deal with Trustgard Auto. Drivers with "excellent" credit can save over 30% compared to Chubb, and those with "good" scores can also expect to see savings -- about $69 or 35% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Chubb Trustgard Auto
Fair Credit Score$229$140
Poor Credit Score$566$170

Trustgard Auto typically offers lower premiums than Chubb when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $89 per month less with Trustgard Auto compared to Chubb, and those with "poor" scores typically save an average of about $396 a month.


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Is Chubb or Trustgard Auto Better for Drivers who Work from Home or Have Short Commutes?

Chubb Trustgard Auto
6,000 Annual Miles$286$137
12,000 Annual Miles$296$137

How much you drive can have a large impact on your monthly rates. Usually, those who drive less will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trustgard Auto charges. However, there's a small difference in monthly premiums for Chubb, with drivers who put 6,000 miles on their car annually paying around $10 less every month compared to those who drive 12,000 miles yearly. Still, Trustgard Auto is the less expensive option for drivers in both categories.

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

Where you live can have a substantial impact on your monthly auto insurance bill. Generally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Chubb Trustgard Auto
Urban Areas$360$147
Suburban Areas$260$132
Rural Areas$252$134

When comparing these two companies side-by-side, Trustgard Auto normally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Trustgard Auto Insurance's average prices are about $213 less than Chubb. Drivers in suburban ZIP codes pay around $128 less with Trustgard Auto compared to Chubb. If you live in a rural area, you can expect to save about $118 with Trustgard Auto compared to Chubb.

Chubb vs. Trustgard Auto Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

Below, we've taken a look at all of the different discounts Chubb and Trustgard Auto offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Chubb Trustgard Auto
ABS Discount 
Advance Quote Discount 
Advanced Safety Feature Discount 
Anti-Theft Discount
Company Car Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Driver-Vehicle Combination Discount 
DRL Discount 
Education Discount 
Good Student Discount
Group Discount 
Intra-Agency Transfer Discount 
Legacy Discount 
Life Policy Discount 
Mature Driver Discount 
Multi-Policy Discount 
Occasional Operator Discount 

Looking at the total number of discounts, Trustgard Auto has a slight advantage when it comes to total number of discounts. Chubb offers a grand total of 15 discounts, while Trustgard Auto has 16.

There are a couple discounts both carriers offer, but Trustgard Auto also offers advance quote discounts, advanced safety feature discounts, company car discounts, and more that Chubb does not.

On the flip side, Chubb has a couple unique discounts of its own -- ABS discounts, discounts for getting driver training, driver-vehicle combination discounts, and more.


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

So, we've broken down the average premiums for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which insurance company is the right one for you, your vehicle, and your wallet?

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

  • Your credit is less-than-stellar.
  • You want to save extra money with discounts.
  • You're buying insurance for a teen and looking for a wallet-friendly option.


Chubb might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Chubb and Trustgard Auto. We also hope we've given you the information you need to make the best decision when it comes to your car 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 Trustgard Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.


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Chubb vs. Trustgard Auto FAQs

Is Chubb or Trustgard Auto cheaper?

Looking just at the national average rates, Trustgard Auto is the more affordable of the two carriers, offering average rates of $137 a month compared to $291 for Chubb. Even so, Trustgard Auto won't necessarily be the cheapest carrier for everyone, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Chubb or Trustgard Auto?

Sadly, the answer truly is "it depends.". Neither company is "better" for each driver -- it all depends on what your unique insurance profile looks like.

Why do Chubb and Trustgard Auto offer me different rates?

Auto insurance companies take a look at lots of different factors when calculating the prices they charge drivers. Variables like where you park your car, where your home is, gender, age, and sometimes even things like your credit score can all come into play. Both Chubb and Trustgard Auto use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

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

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

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