Chubb vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Workmen's Auto offers significantly more affordable rates than Chubb
• Chubb may help you save more money -- they offer more discounts than Workmen's Auto Insurance
• Workmen's Auto has less expensive prices for single people who will be the only person on the insurance policy

Chubb or Workmen's Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering pretty big savings, you're probably wondering exactly how much you might be able to save.

You might be considering Chubb or Workmen's Auto as your top options, but between the two, which carrier will offer you cheaper premiums?

Looking at nationwide averages, Workmen's Auto has average rates that are around 50% a month less expensive than those from Chubb.

That being said, Workmen's Auto may not be the cheapest or best option for each driver out there. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things), so prices could change drastically from person to person.

Luckily, we've broken down average rates from both Chubb and Workmen's Auto by a variety of different rate factors, so read on to find out which carrier is the best for you.

Chubb vs. Workmen's Auto: Average Car Insurance Rates by State

Chubb and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average prices. Workmen's Auto drivers tend to pay about $181 per month less on average compared to drivers who use Chubb for their car insurance.

There are plenty of other factors that go into your auto insurance payment than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. Typically, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 50% less a month by choosing Workmen's Auto over Chubb.

However, both companies will decrease premiums by the time you turn 25. For example, average rates for Chubb policyholders drop almost 55% and Workmen's Auto's prices lower nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable auto insurance rates out there. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise premiums.

When looking at Chubb and Workmen's Auto specifically, which company is best for retired drivers? Workmen's Auto gets the edge, with prices for drivers 65 and older almost 35% more affordable than the national average for Chubb.

Which is the Best Company for Married Drivers?

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

For single drivers, the difference in average premiums between these two carriers is significant, with Workmen's Auto prices coming in at about half of Chubb's. The advantage for married couples with Workmen's Auto is also obvious, where drivers save nearly 50% per month.

Chubb or Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to insurance men will generally end up paying a little more.

Men typically pay around $10 a month more than women with Chubb; women and men end up paying same monthly premiums with Workmen's Auto.

Looking at the data for each carrier specifically, Workmen's Auto offers the lowest average rates for both men and women, with average premiums $145 less for men and $134 cheaper for women.

Chubb vs. Workmen's Auto: 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.

It's no secret that auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Workmen's Auto has the significant edge, with average monthly rates coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging about $235 per month to Chubb's $412.

Is Chubb or Workmen's Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and collisions lead to higher premiums, but which company -- Chubb or Workmen's Auto -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

That being said, Workmen's Auto has less expensive prices for drivers in both categories. With Workmen's Auto Insurance, drivers with a clean record can save around $112 a month and drivers with a ticket can save about $116 per month.

Which Company is Best for Drivers After an Accident?

Chubb drivers who get in an accident can expect to see their premiums rise by just under 25%, while those who have insurance through Workmen's Auto will see around a 30% increase.

At the end of the day, Workmen's Auto offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $156 compared to Chubb's $290.

Which Company is Best for Drivers with a DUI?

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. For example, Chubb increases average premiums by more than $150 a month -- that's nearly a 45% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Workmen's Auto tends to be cheaper for the average driver, with monthly premiums coming in at about $191 to Chubb's $389.

How does Credit Score Impact Chubb and Workmen's Auto Rates?

Did you know many car insurance carriers take into account your credit score when determining rates? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for quite a few policyholders.

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

Looking specifically at Workmen's Auto and Chubb, which one has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Normally, if you have excellent credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will normally save Chubb customers around 15%. On the other hand, Workmen's Auto 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?

Having bad credit usually means you'll also see higher rates with Chubb. If your credit score is in the "poor" range, at Chubb, you may pay about 60% more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, Workmen's Auto doesn't have data available for credit scores, which means drivers with bad credit might find better rates with Workmen's Auto over Chubb.

Is Chubb or Workmen's Auto 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 large impact on how much insurance carriers will charge for coverage? Typically, those who drive less will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Workmen's Auto offers less expensive rates than Chubb. Chubb's average prices for drivers with 6,000 annual miles come in around 56% more expensive than Workmen's Auto. Those who drive 12,000 miles every year can expect to pay about 41% more with Chubb over Workmen's Auto.

Chubb or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for car insurance. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Workmen's Auto tends to offer the cheapest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Workmen's Auto's average prices are around $149 a month compared to Chubb's $360. Drivers in suburban ZIP codes pay a monthly premium of about $154 with Workmen's Auto compared to $260 with Chubb. If you live in a rural area, you can expect to pay around $149 monthly with Workmen's Auto compared to Chubb's $252.

Chubb vs. Workmen's Auto Discounts

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

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Chubb and Workmen's Auto 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 knocks Workmen's Auto out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Workmen's Auto.

Both companies offer several of the same discounts -- like driver-vehicle combination discounts, mature driver discounts, and renewal discounts -- but Chubb also offers discounts for ABS, anti-theft, defensive driver, and more.

On the other hand, Workmen's Auto has a proprietary discount of their own -- a good driving discounts.

Final Thoughts: Is Chubb or Workmen's Auto Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, is Chubb or Workmen's Auto the best company for you and your specific driver profile?

Workmen's Auto might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the best premiums on liability only coverage.
• You don't spend much time in your car.

Chubb might be best for you if...

• Your credit is less-than-stellar.
• You have above-average credit.
• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Chubb and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Chubb and Workmen's Auto. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Chubb vs. Workmen's Auto FAQs

Is Chubb or Workmen's Auto cheaper?

Workmen's Auto is the cheaper of the two companies when looking at national average prices, with policies averaging $151 per month with Workmen's Auto and $291 for Chubb. But that doesn't mean Workmen's Auto will be the lowest carrier for each driver, since there are several different factors that come into play when it comes to your auto insurance cost.

Who is better, Chubb or Workmen's Auto?

Sadly, the answer truly is "it depends.". No single company is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Chubb is more affordable for drivers who have less-than-stellar credit scores, while Workmen's Auto offers less expensive rates for policyholders with an at-fault collision on their record.

Why do Chubb and Workmen's Auto offer me different rates?

Car insurance carriers use a lot of different variables when calculating the prices they charge. Factors like where your home is, gender, where you park your car, age, and sometimes even things like your credit score can all be taken into consideration. Both Chubb and Workmen's Auto calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Chubb or Workmen's Auto is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Chubb or Workmen's Auto 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.