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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
| 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 |
Chubb’s high coverage limits and responsive customer service will appeal to the high-net-worth drivers it caters to but may not be the best option for other drivers.
Although its parent company dates back to the late 1800s, Chubb as we know it has been operating in 54 countries since 2016. It offers both personal and commercial insurance, including car insurance.
Chubb promotes itself as a luxury insurer for high-net-worth customers.[1] It has higher coverage limits and more hands-on service than you’d expect to get from other major insurance companies.
Chubb isn’t included in many ratings lineups, making it difficult to compare to other companies. But it may be a good option for you if you want a premium insurance product and personalized service.
High coverage limits
Hands-on, responsive customer service
Low number of customer complaints
No online quotes
Offers few discounts
Not available in all states
Chubb has some benefits, but won’t be right for everyone. To help you decide if Chubb is the right auto insurer for you, we’ve rated the company in five key areas. We’ve outlined each in the table below.
Category  | Score |
|---|---|
| Cost | 3/5 |
| Customer satisfaction | 3/5 |
| Policy management | 4.6/5 |
| Availability | 2.7/5 |
| Industry reputation | 2.3/5 |
| Overall Score | 3.35/5 |
Our editorial team analyzes and grades each insurer based on factors like 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.
Score the best car insurance rates for your driving profile.
|  |  |  |  |
|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $167/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $115/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $82/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $106/mo* |
Overall Rating 0.0 | Overall Rating 4.0 | Overall Rating 3.9 | Overall Rating 3.2 | Overall Rating 3.6 |
Value 0.0/5 | Value 4.2/5 | Value 4.0/5 | Value 3.4/5 | Value 3.7/5 |
Customer Service 0.0/5 | Customer Service 4.3/5 | Customer Service 4.4/5 | Customer Service 3.7/5 | Customer Service 4.1/5 |
Claims Handling 0.0/5 | Claims Handling 4.0/5 | Claims Handling 3.9/5 | Claims Handling 3.4/5 | Claims Handling 3.5/5 |
Special Highlight N/AAI-generated from 0 user reviews | Special Highlight N/AAI-generated from 245 user reviews | Special Highlight N/AAI-generated from 294 user reviews | Special Highlight N/AAI-generated from 271 user reviews | Special Highlight N/AAI-generated from 163 user reviews |
Chubb stands out for its especially high coverage limits. For example, you can purchase up to $10 million in liability and uninsured/underinsured motorist coverage and $15,000 per day in rental coverage.[2] These limits, along with its other offerings, show Chubb is tailored to a luxury market.
Additionally, the low number of customer complaints reflects Chubb’s responsive, hands-on service.[3]
Plus, Chubb also has a highly rated app that you can use to manage your policy, report and track claims, and manage your billing.[4]
Chubb tailors its coverage to a specific customer, so it’s not necessarily easy or affordable for everyone.
First, you can’t simply get a quote and buy a policy online like you can with many popular insurers. You instead need to complete an online form and then connect with an agent who will give you a quote.
Chubb’s rates also tend to be more expensive than competitors’.
Additionally, Chubb offers far fewer discounts than other competitors do, meaning fewer opportunities for savings.
Several factors influence how much your auto insurance costs. These factors include your age, location, driving history, and more. Generally speaking, the higher-risk you are (like if you have an accident or a DUI on your record), the more you’ll pay for insurance since companies see you as more likely to file a claim.
The best way to get an accurate idea of how much you might pay is to look at the average rates for drivers like you. In the table below, you can see Chubb’s average full-coverage rates for various types of drivers, according to Compare.com data.
Driver Type | Average Monthly Full-Coverage Premium |
|---|---|
| All drivers | $213 |
| Teens | $502 |
| Seniors | $139 |
| Recent ticket | $268 |
| Recent accident | $275 |
| DUI conviction | $313 |
| Excellent credit | $182 |
| Bad credit | $415 |
Protect your car and your wallet.
Average car insurance rates vary from state to state. This is because every state has different coverage requirements, accident rates, rates of uninsured drivers, local crime rates, and more. Certain states tend to have more expensive insurance across the board, especially if they have a higher population of drivers.
See the map below to learn about the average rates in each state for both liability and full-coverage insurance from Chubb, according to Compare.com data.
state_id | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| California | $225 | $498 |
| Michigan | $73 | $118 |
| New York | $350 | $390 |
| Pennsylvania | $158 | $177 |
| Tennessee | $139 | $264 |
| Texas | $178 | $297 |
| Virginia | $97 | $154 |
| Washington | $93 | $187 |
| Washington D.C. | $${AUTO_CARRIER_CHUBB_LIABILITY_STATE_DC_PRICE} | $${AUTO_CARRIER_CHUBB_FULL_STATE_DC_PRICE} |
| Wisconsin | $63 | $104 |
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Chubb, like other insurers, has a variety of options you can add to your policy. You can customize the coverage types, limits, and deductibles to get a policy that fits your needs.
Like other companies, Chubb offers standard liability, collision, comprehensive, and uninsured/underinsured motorist coverage. But Chubb offers higher coverage limits than competitors.
Chubb also offers these additional coverages:[2]
Agreed value coverage: Agreed value coverage is when you and your insurer agree on a set payout price if you total your car. It’s helpful if you have a rare or vintage car that doesn’t lose value like a regular car does.
Original equipment manufacturer (OEM) parts: After an accident, Chubb will help you get original parts that were designed for your car rather than parts from any company.
Rental car coverage: If you’re in an accident, Chubb offers up to $15,000 per day for rental car coverage.
Lock/key replacement: Get lock and key replacements with no deductible or out-of-pocket expenses.
Child safety seat replacement: Chubb will replace your child’s car seat after an accident.
Pet injury: You can get up to $2,000 if your pet gets injured in an accident.
Chubb doesn’t offer as many discounts as many major insurers, but it still has a handful of ways for you to save on your premiums. These include:[5]
Bundled policies: Get a bundling discount when you get both your home and auto insurance through Chubb.
Multi-car: If you have multiple cars, you can save on your premiums with a multi-car discount.
Good student: You can save money if your child is a good student. Typically, there’s a minimum grade or GPA, but Chubb doesn’t list it on its website.
Driver training: If you go through a driver training course, you could get a discount.
Accident prevention course: You can also take a defensive driving course to save on your premiums.
Vehicle safety: You could lower your premiums if your car has certain vehicle safety features like airbags, a passive restraint system, anti-lock brakes, and anti-theft devices.
Daytime running lights: If your car comes with daytime running lights, you could get a discount.
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If you’re in an accident, you can file a claim with Chubb in three different ways:[6]
Phone: Call 1 (800) 252-4670 to file your claim.
Online: File your claim using Chubb’s online claim form.
Local agent: Contact your local agent to file your claim directly with them.
Chubb recommends first getting yourself to a safe location and then taking photos of your car, the accident scene, and the surrounding area. It’s also important to get information from anyone else at the accident to get as much detail as possible for your claim.
After you file your claim, Chubb will reach out to you within six hours to ask questions about the accident and continue the claim process. This representative will be your main contact throughout the entire claims process.
Chubb will determine the value of your vehicle and recommend a shop where you can get an estimate, or you can choose your own shop. Once you’re happy with the payout amount, you can start with the repairs on your car.
Let us do the work getting quotes from 120+ companies. You sit back and save!
Chubb’s SafeLane program is a mobile app that measures your driving habits and offers a potential discount for your good driving behavior. You can save up to 10% just for signing up for the program, and another 20% if you show good driving habits.[7]
In addition to its auto insurance, Chubb also offers various other insurance policies, including:[8]
Valuables insurance
Boat and yacht insurance
Liability insurance
Natural disaster and catastrophe insurance
Travel insurance
Cyber protection insurance
Additionally, because Chubb caters to a certain demographic, it offers other services, like personalized risk consultations, background checks for household staff, valuable collection services, and more.[9]
If you’re considering getting car insurance from Chubb, here are a few more things you might want to know about the company.
It depends entirely on your unique situation and needs. The company has very few customer complaints, and its unique coverages and high coverage limits may be attractive to many customers. But because it caters to a high-net-worth demographic, it’s not the cheapest option for the average driver.
Chubb has an average monthly premium of $120 for liability insurance and $120 for full coverage, according to Compare.com data. But if you plan to take advantage of Chubb’s high coverage limits, you can expect to pay more.
Chubb specifically caters to a high-net-worth clientele, so it offers higher coverage limits and more add-ons than regular insurance companies. Both of these factors can result in higher premiums.
While there’s no single best car insurance company for everyone, GEICO, Allstate, and State Farm hold the top spots, according to Compare.com data. But the best company for you depends on your coverage needs, budget, and other factors.
Yes, Chubb is a reputable insurance company. It’s financially strong and has very few customer complaints, suggesting drivers are generally happy with Chubb’s service.[10]
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Erin Gobler is a personal finance writer and journalist who has been writing for Compare.com since 2023. With more than five years of experience personal finance experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more.
Her work has been featured in major publications like Business Insider, Fox Business, and Time.
Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Sara Getman is an insurance editor for Compare.com. With several years of insurance experience, Sara is passionate about helping readers better manage their money by breaking down complex topics into simple, clear, and easy-to-understand language.
Sara earned a Bachelor of Arts in Literature from Simmons University, where she served as editor-in-chief for the school’s literary and art magazine, Sidelines. She has been editing for Compare.com since 2025.
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