Chubb vs. Western National: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Western National offers significantly more affordable premiums than Chubb
• Chubb offers more discounts than Western National Insurance Company
• Western National offers more affordable rates for drivers who have less-than-stellar credit

Chubb vs. Western National: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Chubb or Western National as your top options, but between the two, which carrier will save you the most?

As you can see, Western National is quite a bit cheaper than Chubb, with premiums averaging $154 per month compared to $291 with Chubb when looking at the national average rates for insurance.

That being said, that doesn't necessarily mean Western National will be the less expensive option for each driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

Wanting to know if Chubb or Western National is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Chubb or Western National: Average Car Insurance Rates by State

Chubb and Western National only compete against each other in one states, with Western National offering cheaper premiums to the average driver in all of them. Wisconsin has the most noticable difference, where Western National prices are over 70% less expensive than car insurance rates at Chubb.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your prices. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. Normally, 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.

However, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use Western National save nearly $350 a month compared to those who use Chubb.

But with both companies, you'll see your rates reduce significantly by the time drivers turn 25. Western National offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Chubb's average prices drop almost 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable auto insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best rates for retired drivers between Chubb and Western National? Western National gets the edge, with prices for drivers 65 and older more than 40% more affordable than the national average for Chubb.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are generally more expensive for single policyholders than they are for married couples? That's because policies for married policyholders typically cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, Western National is the clear winner for single drivers, with prices about $163 per month cheaper than Chubb, on average. For married drivers, the advantage is clear again - Western National has the edge when it comes to average premiums.

Chubb vs. Western National: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to insurance men will usually end up paying a little more.

On average, men see rates over $10 a month higher with Chubb, and nearly $15 with Western National.

Looking at the data for each carrier specifically, Western National comes out as the cheapest option for both genders, with average prices 46% less for men and 48% cheaper for women.

Chubb or Western National: 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. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Western National generally offers significantly less expensive premiums of $60 compared to Chubb's $169. When it comes to full coverage policies with similar limits, Western National again has the edge, with policies around $150 per month cheaper than Chubb, on average.

Is Chubb or Western National Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and accidents will most likely raise your rates, but is Chubb or Western National more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Western National car insurance policies don't report seeing their prices increase after getting a ticket, but Chubb policyholders can expect to see their monthly bill increase by.

That being said, Western National has cheaper rates for drivers in both categories. Drivers with a clean record can save about $69 a month with Western National Insurance Company, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Chubb policyholders who get in an accident can expect to see their premiums rise by just under 25%, while those who have insurance through Western National will see around a 0% increase.

Overall, drivers who use Western National end up with the cheaper prices after an accident, with monthly prices averaging $154 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Chubb will climb your premiums about 43% after a DUI, while Western National's average rates climb by 0%.

If you have a DUI on your record and are looking for more affordable premiums, Western National tends to be the much less expensive option with average prices of $154 monthly compared to $389 from Chubb.

How does Credit Score Impact Chubb and Western National Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for many drivers.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

So, which company offers the lowest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Western National. Policyholders with "excellent" credit can save over 55% compared to Chubb, and those with "good" scores can also expect to see savings -- around $83 or 42% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Western National typically offers lower prices than Chubb when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $75 per month less with Western National compared to Chubb, and those with "poor" scores generally save an average of around $288 per month.

Is Chubb or Western National Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on how much auto insurance companies will charge for coverage? Typically, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Western National tends to be the more affordable option. Chubb's average rates for drivers with 6,000 annual miles come in just under $150 more expensive than Western National. Those who drive 12,000 miles every year can expect to pay nearly $150 more with Chubb over Western National.

Chubb vs. Western National: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a considerable role in how much you pay for car insurance. Usually, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads in those areas.

When comparing these two carriers side-by-side, Western National normally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $158 a month with Western National compared to Chubb's $252. People in suburban areas pay around $127 with Western National compared to Chubb's $260 monthly. In urban areas, Western National's average rates are about $177 while Chubb offers prices around $360.

Chubb vs. Western National Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by Chubb and Western National so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Overall, Chubb comes out ahead with 15 discounts to Western National's 12.

Both companies offer a lot of the same discounts -- like discounts for being a defensive driver, discounts for getting driver training, and discounts for being a good student -- but Chubb also offers ABS discounts, driver-vehicle combination discounts, DRL discounts, and more that Western National does not.

On the flip side, Western National has a couple unique discounts of its own -- corporate discounts, COVID-19 relief discount, employee discounts, and more.

Final Thoughts: Is Chubb or Western National Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best one for you and your specific profile and needs?

Western National might be best for you if....

• You have a DUI charge on your record.
• You want basic car insurance coverage at the state minimum limits.
• You drive fewer than 6,000 miles annually.

Chubb might be best for you if...

• You care about discounts (Chubb offers the most).

We hope this guide has ben a valuable resource as you compare Chubb and Western National and that you can now make a more informed decision when it comes to 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 a handful of companies, not just Chubb and Western National. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Chubb vs. Western National FAQs

Is Chubb or Western National cheaper?

Looking just at the national average rates, Western National is the cheaper of the two companies, offering average rates of $154 a month compared to $291 for Chubb. But Western National won't necessarily be the cheapest company for each policyholder, since there are a variety of different factors that are considered when it comes to your auto insurance cost.

Who is better, Chubb or Western National?

Unfortunately, the answer truly is "it depends.". No one carrier is necessarily "better" for every driver -- it all comes down to what your unique car insurance profile looks like.

Why do Chubb and Western National offer me different rates?

Insurance carriers take a look at quite a few different variables when calculating the premiums they charge policyholders. Things like age, where you call home, gender, your driving record, and sometimes even things like your credit score can all be used. Both Chubb and Western National calculate rates differently, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if Chubb or Western National is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers 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 area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be Chubb or Western National 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.