Chubb Auto Insurance Review: Is It Right for You?

If you have a luxury vehicle, you may find the coverage levels and benefits you seek with Chubb’s Masterpiece Auto Insurance products. You’ll also get personalized service from a dedicated agent, but the insurer won’t be the best fit for everyone.

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  • No per-day limits for rental car reimbursement
  • Lower-than-average number of customer complaints
  • Worldwide coverage with multinational claim units


  • Higher-than-average rates for many drivers
  • Claims and customer satisfaction not rated by J.D. Power
  • D- rating with the Better Business Bureau (BBB)

Bottom Line

If you have a luxury vehicle, you may find the coverage levels and benefits you seek with Chubb’s Masterpiece Auto Insurance products. You’ll also get personalized service from a dedicated agent, but the insurer won’t be the best fit for everyone.

Chubb Insurance has been in business for 142 years and offers a wide range of insurance and financial products. The company specializes in offering the best car insurance coverage for people with high net worths who drive luxury vehicles. It leverages independent agents to provide personalized service to policyholders.

While its customer service appears to be strong, Chubb’s premiums are relatively high, and its claims satisfaction is lacking. Few customer reviews mention a positive claims experience, and those that do primarily discuss claims for rental vehicles (as opposed to their primary car insurance).

Read on to uncover more details regarding the best and worst Chubb has to offer.

Is Chubb a Good Choice for Auto Insurance?

Deciding whether Chubb is a good choice for you depends on how well it measures up to your expectations for a car insurance company.

To make your choice easier, we’ve outlined Chubb’s scores across five key categories most important to drivers, with each rated on a scale of one to five.

Category Score
Cost 3.7/5
Customer satisfaction 5/5
Ease of use 4.6/5
Availability 2.7/5
Industry reputation 2.3/5
Overall Score* 4.18/5
*Company ratings for each category are determined using our proprietary, objective rating formula. You can find more information on our unique scoring methodology at the bottom of this article.

Where Chubb stands out

Chubb offers rare coverage options like agreed-value coverage, $10 million liability limits, and $15,000 of rental car coverage with no daily limits. Plus, you work with a designated insurance agent and customer service team focused on personalized care.

Where Chubb falls short

Only independent agents can quote and sell Chubb policies, so you can’t buy a policy online. Chubb also doesn’t offer many discount opportunities to help lower its higher-than-average rates.

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Chubb Insurance Reviews: What Real Customers Are Saying

Overall, online customer feedback skews fairly negative. Across the online review space, Chubb earns low marks from customers. The table below shows how it scores across a handful of the industry’s top review sites.

Review Platform Score
Better Business Bureau (BBB) 1.11/5
Clearsurance 3.99/5
ConsumerAffairs 2.7/5

On the positive side, most positive reviews talk about how great the customer service team is. The two reviews below explain that some customers feel the company always “has [their] back” and how Chubb “makes it so easy” to work with the insurer.

5-star Chubb Insurance reviews

On the negative end, many customers report issues with claims service, especially with the company denying their claims and not returning phone calls. Several customers even go so far as to say the company engages in scam practices. The below reviewers both had trouble getting their claims paid.

1-star Chubb Insurance reviews

We’ll cover Chubb claims more in depth later in this article.

What You Can Expect to Pay for Chubb Car Insurance

To understand what you might pay with Chubb, let’s start by looking at the average rates for liability and full-coverage policies with the company.

Liability-only policies cover liability and sometimes uninsured/underinsured motorist protection and medical coverage. On the other hand, full-coverage policies offer liability coverage, plus comprehensive and collision coverages.

The table below shows Chubb’s average rates for each type of policy.

Liability Only Full Coverage
$120 $253

Chubb’s average rates are quite a bit higher than the national averages of $92 and $176 per month for liability and full-coverage policies, respectively. That said, average rates aren’t a great indicator of what you’ll pay because too many factors influence costs.

With that in mind, let’s dig deeper into the details and look at how some factors affect rates with Chubb and how rates compare to the competition.

Chubb vs. the Competition

First, let’s see how rates from Chubb compare to some of its top competitors. The Rating shown in the table below is based on several factors, including price, customer reviews, available discounts, and ease of use.

Company Rating Average Monthly Rate Average Monthly Savings*
Chubb 4.18/5 $187 -$53
GEICO 4.65/5 $88 $47
Liberty Mutual 4.62/5 $146 -$11
Progressive 4.73/5 $119 $16
State Farm 4.90/5 $85 $50
*Savings are calculated based on the difference between each insurer’s average monthly rate and the national average for all insurers.

While Chubb earns a high Rating, it’s lower than most competitors. Additionally, it offers some of the highest average premiums — higher than every company listed.

Despite generally higher premiums and a slightly lower rating, Chubb is the only insurer on the list that offers such high liability limits, agreed-value coverage, and rental coverage with no per-day limit. Because of this, the company can be a great choice for some drivers — especially people with higher incomes who need greater protection than most policies offer.

Breaking Down Chubb’s Average Car Insurance Costs

Average car insurance rates vary depending on a number of factors, including your age, location, driving record, credit history, relationship status, gender, and more.

So let’s examine how Chubb’s rates change based on driving record and credit history and compare those rates to the national average.

Driver Type Chubb Average Monthly Rate National Average Monthly Rate % Difference
Clean driving record, good credit $181 $133 +36%
Clean driving record, poor credit $390 $147 +165%
Recent speeding ticket, good credit $222 $161 +38%
Recent at-fault accident, good credit $233 $167 +40%
Recent DUI, good credit $290 $198 +46%

Chubb follows the general trends of drivers with clean records and good credit paying the least and rates increasing for people with speeding tickets and other infractions.

Drivers with poor credit pay more with most companies, but they pay significantly more with Chubb — 115% more than what drivers with good credit pay for the same policy. If you have a poor or fair credit score, Chubb likely isn’t going to be your best bet for cheap rates.

Chubb’s Average Rates by Age

Car insurance rates are typically highest for teen drivers and decrease as you age. Senior drivers usually pay the lowest rates, but premiums rise again once you hit your 70s.

This correlates with AAA Foundation’s research on the rates of motor vehicle crashes by age: 16- and 17-year-olds are involved in the most car accidents of any age group. Accidents decrease until drivers reach their 70s and 80s, and fatal crashes are nearly as high for drivers in their 80s as they are for teens.

Let’s take a look at how Chubb rates change based on your age.

Age Group Chubb Average Monthly Rate National Average % Difference
Teens $355 $227 +56%
20s $217 $141 +54%
30s $179 $112 +60%
40s $152 $103 +48%
50s $137 $91 +51%
60s $121 $82 +48%
70s $120 $83 +45%

Rates follow the expected cost trends, with rates descending in cost from younger to older drivers. That said, Chubb’s average premiums are above average for drivers of all age groups. But keep in mind that Chubb specializes in high-value car insurance policies, which are typically associated with higher rates in general.

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Chubb’s Average Rates by State

Car insurance rates vary by state because of state laws, local crime and claim rates, and the average cost of claims. To illustrate this, Michigan and Ohio border each other but have dramatically different car insurance laws and requirements. Because of this, Michigan drivers pay a staggering 152% more than people in Ohio for roughly the same coverage.

Here are Chubb’s average rates for each state compared to each state’s average so you can see where Chubb offers the best deal.

State Chubb Average Monthly Rate Statewide Average Monthly Rate % Difference
California $415 $159 +161%
Michigan $100 $280 -64%
Pennsylvania $195 $140 +39%
Tennessee $104 $125 -17%
Texas $159 $184 -14%
Virginia $78 $133 -41%
Washington $141 $145 -3%
Wisconsin $60 $100 -40%

Chubb currently offers car insurance policies in eight states, with drivers in Wisconsin and Virginia getting the cheapest rates. That said, Michigan drivers who choose Chubb save more than people in any other state — a staggering 64% less than the state’s overall average.

Chubb Car Insurance Discounts

Chubb doesn’t have an extensive list of discounts on its website, but your agent may be able to tell you more about how to lower your premiums. The company at least offers a “portfolio discount” for purchasing auto and homeowners insurance — similar to a bundling discount with other insurers.

Chubb also offers a customer loyalty discount, but it doesn’t clarify how to get the discount or what it’s worth. Still, the company may offer more discounts than what it advertises on its website, so speak with your agent about what’s available in your state.

Chubb’s Available Auto Insurance Coverage

Chubb Masterpiece Auto Coverage is a specialized car insurance program with the following coverages:

As a Chubb driver, you can increase your liability limits up to $10 million — an unusually high figure compared to what most companies offer. You’ll also get to choose your repair shop and receive original equipment manufacturer (OEM) parts during covered repairs, plus get a guaranteed value if you total your vehicle.

How to Purchase a Car Insurance Policy from Chubb

To get a quote from Chubb, you must work with a Chubb-appointed independent agent. Chubb provides an easy-to-use directory on its website to help you find one near you. Simply enter your state, and you’ll receive a list of agents.

Once you find an agent, you can work with them to determine your insurance needs and get adequate coverage. Your agent will also answer questions about your policy and coverage options. Once you have a policy you’re happy with, your agent will process your policy, take your payment, and walk you through your next steps.

You can also fill out the contact form on the website to receive a follow-up call from customer service. Customer service can assist you with finding an agent and getting your quote.

Overall, this process takes much longer than quoting and buying online — a service most companies offer in 2024. You can only get a quote during business hours, Monday through Friday. Given the difficulty, I found the process to be somewhat prohibitive, especially when I could gather several quotes much more easily from other insurers.

But for some drivers, this personalized process may be a plus. Your agent can answer your questions and craft a policy tailored to your exact needs. If you have special or unusual coverage needs, Chubb may be a great option.

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What to Expect When Filing a Claim with Chubb

You can file a car insurance claim online or over the phone with Chubb, and a claims examiner will assess the damage and make an estimate. You also have the choice of taking your vehicle to a preferred repair shop or another shop of your choosing. Chubb advertises that it pays most claims within 48 hours.

In practice, Chubb appears to be less effective than advertised. Reading dozens of reviews, I couldn’t find one with positive claims feedback. Lengthy processing times and issues with the third-party handling of claims were the primary issues, as the review below explains.

1-star Chubb Insurance review

Other holes in advertised promises include Chubb denying repairs with OEM parts, as the below reviewer highlights.

1-star Chubb Insurance review

More About Chubb Insurance

Founded 1882
Available in CA, MI, PA, TN, TX, VA, WA, WI
Owned by Publicly Traded, NYSE: CB
National average premium $187 per month
Mobile app Android, iOS
Customer service 1 (866) 324-8222
Claims 1 (800) 252-4670
Primary competitors Auto-Owners, Erie, Nationwide, Travelers

Chubb SafeLane

SafeLane is Chubb’s telematics program that can earn you up to 20% off your premiums by letting the insurer track your driving habits. Enroll in the program and download the SafeLane app to get started (you get up to a 10% discount just for signing up).

The app provides feedback on your driving habits to help you increase your driving score. It’s also intuitive and capable of telling when you’re a passenger. And if the app gets it wrong, you can easily correct it.

Chubb’s other insurance products

Chubb offers many insurance products, including the following.

  • Classic car: Covers vintage or collectible vehicles.
  • Home: Protects your home and belongings from damage.
  • Condo: Covers personal property and interior damage.
  • Renters: Protects tenants’ personal belongings and liability.
  • Life: Offers death benefits for beneficiaries after the policyholder’s death.
  • Home appliance: Covers repair or replacement of household appliances.
  • Travel: Covers travel-related losses due to things like trip cancellations.
  • Natural disasters: Covers damages to your property from floods, windstorms, and more.
  • Valuables: Insures high-value items, like jewelry, art, and electronics.
  • Cyber: Protects against internet-based risks.
  • Identity management: Protects against identity theft.
  • Cyberbullying: Helps reduce harm and speed recovery after cyberbullying.
  • Liability: Covers legal liabilities for injuries or property damage.
  • Business: Protects businesses against risks like property damage and liability.

Chubb Auto Insurance FAQs

Despite its long history, Chubb’s car insurance is less well known than many competitors. To clarify matters, here are the answers to some of the most common questions about Chubb from drivers like you.

Does Chubb have cheap car insurance?

Not usually. Our research found that Chubb doesn’t offer cheap car insurance for most driver types and profiles. The company specializes in policies for high-value vehicles, so premiums are generally higher.

Is Chubb a good insurance company?

Yes. Chubb has a strong financial rating and a reputation for personalized service. That said, the company has also earned a D- from the Better Business Bureau, so your experience may vary.

What’s Chubb Insurance known for?

In addition to being a strong financial institution, Chubb is known for offering a diverse group of insurance products across the globe. The company is nearly 150 years old and operates in 54 countries.

What happened to Chubb Insurance?

ACE Limited Insurance acquired Chubb in 2016 to become the largest publicly traded property and casualty insurance company.

How long does Chubb Insurance take to pay out claims?

It depends. Chubb claims to pay out claims within five days. That said, several Chubb customers report long waits — sometimes even months — to receive compensation after making a covered claim.

Data Methodology:

Data scientists at analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article.’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Rating Methodology:’s mission is to help our readers make more informed decisions about their personal finances. Our editorial staff has crafted a proprietary, objective rating formula — the Rating — to make it easier for our readers to analyze and compare many of the industry’s most well-known insurers. The score you see referenced in this article is based on several factors, including:

  • Cost: How the insurer’s average rates compare to its direct competitors and the industry as a whole. This includes available savings opportunities, such as discounts and other factors.
  • Customer satisfaction: How satisfied existing customers are with the service they receive. This includes the insurer’s scores among various third-party studies, such as the J.D. Power U.S. Insurance Shopping and Claims Satisfaction studies, and the National Association of Insurance Commissioners (NAIC) Complaint Index, among others.
  • Ease of use: How easy it is for policyholders to utilize their policies. This includes mobile app availability, customer service availability, payment flexibility, and other related factors.
  • Availability: The overall scope of the company’s insurance offerings. This includes available coverage types, national footprint, and other related factors.
  • Industry reputation: A measure of the insurer’s overall standing within the industry. This includes its AM Best financial strength rating, BBB accreditation, and other related factors.


  1. National Association of Insurance Commissioners, “Chubb Natl Ins Co. National Complaint Index Report,” accessed May 29, 2024.
  2. AAA Foundation, “Rates of Motor Vehicle Crashes, Injuries and Deaths in Relation to Driver Age, United States, 2014-2015,” accessed May 29, 2024.
  3. ConsumerAffairs, “Chubb Auto Insurance Reviews,” accessed May 29, 2024.
  4. BBB, “Customer Reviews for Chubb Ltd,” accessed May 29, 2024.
  5. Yelp, “Chubb Insurance Company,” accessed May 29, 2024.
  6. MarketWatch, Ace agrees to acquire Chubb in $28.3 bln cash and stock deal,” accessed June 4, 2024.

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