Chubb vs. West Bend Mutual: Which Company is the Best Fit for You?

Quick Facts

• In general, West Bend Mutual offers significantly cheaper prices than Chubb
• West Bend Mutual offers more affordable average premiums for policyholders who drive fewer than 6,000 miles annually
• West Bend Mutual tends to be a much less expensive option for policyholders who live in urban areas

Chubb or West Bend Mutual: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Chubb or West Bend Mutual for your next policy, but which carrier has more affordable rates for auto insurance?

As you can see, West Bend Mutual is quite a bit cheaper than Chubb, with premiums averaging $131 a month compared to $291 with Chubb when looking at the national average rates for insurance.

Even so, West Bend Mutual may not be the cheapest or best option for each driver out there. Auto insurance carriers use all sorts of complex algorithms to determine prices, so depending on how old you are or how good your credit score is (among lots of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Chubb or West Bend Mutual is really the best for you, keep reading to see average rates for each carrier broken down by a range of different rate factors.

Chubb vs. West Bend Mutual: Average Car Insurance Rates by State

Chubb and West Bend Mutual only compete against each other in one states, with West Bend Mutual offering cheaper prices to the average driver in all of them. Wisconsin has the most noticable difference, where West Bend Mutual rates are $359 less expensive than car insurance premiums at Chubb.

But there's more to insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your prices. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any other group of drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 50% less per month by choosing West Bend Mutual over Chubb.

However, with both carriers, you'll see your rates drop significantly once you turn 25. For example, average prices for Chubb policyholders decrease around $350 and West Bend Mutual's premiums lower about $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you can find.

So, which company offers the best rates to retired drivers? West Bend Mutual gets the edge, with premiums for drivers 65 and older $95 more affordable than the national average for Chubb.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are generally less expensive for married couples than they are for those who are single? That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with West Bend Mutual rates coming in at around half of Chubb's. For married drivers, the advantage is clear again - West Bend Mutual has the edge when it comes to average premiums.

Chubb or West Bend Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll normally end up paying more for insurance than women.

Women typically pay about 4% a month less than men with Chubb, but with West Bend Mutual, the difference is closer to 12% per month.

When it comes to the cheapest prices for each gender, West Bend Mutual offers the lowest average rates for both men and women. On average, male drivers save about $157 a month and women save around $162 with West Bend Mutual compared to the average Chubb policyholder.

Chubb vs. West Bend Mutual: Compare State Minimum vs. Full Coverage Rates

*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, car insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, West Bend Mutual has the significant edge, with average monthly premiums coming in at $77. If you want a full coverage policy with the same state minimum limits, West Bend Mutual again has the edge, with policies averaging about $186 per month to Chubb's $412.

Is Chubb or West Bend Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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 speeding tickets and collisions on your record, but which of these two companies offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Chubb for their insurance can generally expect their monthly bill to go up around 15% after getting a speeding ticket. West Bend Mutual policyholders can expect a bit more drastic of an increase of about 23%.

That being said, West Bend Mutual tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 62% cheaper for drivers with clean records and 58% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with West Bend Mutual increasing by around 48%. Chubb has a less extreme increase, but you can still expect to pay nearly 25% more than you were prior to your first accident.

At the end of the day, the cheaper prices come from West Bend Mutual, with average rates coming in at $163 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than a collision or speeding ticket. For example, Chubb increases average prices by more than $150 a month -- that's just under a 45% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, West Bend Mutual tends to be less expensive for the average driver, with monthly premiums coming in at about $169 to Chubb's $389.

How does Credit Score Impact Chubb and West Bend Mutual Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it does affect lots of drivers out there.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the lowest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, West Bend Mutual will normally reward you the most. For drivers with "excellent" credit scores, West Bend Mutual comes in more than 40.85 cheaper. Drivers with "good" credit scores usually save around 42% with West Bend Mutual compared to average premiums from Chubb.

Which Company is Best for Drivers with Bad Credit?

West Bend Mutual typically offers lower prices than Chubb when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 42% per month less with West Bend Mutual compared to Chubb, and those with "poor" scores normally save an average of around 68% per month.

Is Chubb or West Bend Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly insurance bill. Usually, those who drive less will end up with more affordable premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much West Bend Mutual charges. However, there's a small difference in monthly rates for Chubb, with drivers who put 6,000 miles on their vehicle yearly paying about $10 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, West Bend Mutual is the less expensive company.

Chubb or West Bend Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a sizable role in how much you pay for car insurance. Generally, those who live in urban areas will pay more than policyholders in rural areas because of the number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, West Bend Mutual typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, West Bend Mutual Insurance's average rates are around $202 less than Chubb. People who live in suburban areas pay about $138 less with West Bend Mutual compared to Chubb. Those in rural areas can expect to save around $139 with West Bend Mutual compared to Chubb.

Chubb vs. West Bend Mutual Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Chubb and West Bend Mutual offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both companies offer, but West Bend Mutual also offers discounts for advanced safety feature, excess vehicle, good driving, and more.

On the other hand, Chubb has a few proprietary discounts of their own for things like driver training discounts, driver-vehicle combination discounts, DRL discounts, and more.

Final Thoughts: Is Chubb or West Bend Mutual Best for You?

So, we've broken down the average premiums for many of the factors car insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the right fit for you?

West Bend Mutual might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You live in an suburban area.
• You live in a rural area.

Chubb might be best for you if...

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

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

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Chubb and West Bend Mutual. Luckily, Compare.com makes 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 carriers in your area, all in just a few minutes.

Chubb vs. West Bend Mutual FAQs

Is Chubb or West Bend Mutual cheaper?

West Bend Mutual is the cheaper of the two companies when looking at national average prices, with policies averaging $131 a month with West Bend Mutual and $291 for Chubb. But that doesn't mean West Bend Mutual will be the lowest carrier for everyone, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Chubb or West Bend Mutual?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Chubb and West Bend Mutual offer me different rates?

Insurance carriers use several different factors when determining the premiums they charge. Variables such as age, where you call home, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Chubb and West Bend Mutual use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Chubb or West Bend Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Chubb or West Bend Mutual at all, but another you hadn't even thought of!

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.