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Chubb Auto Insurance Review: Comprehensive Coverage at a Steep Price

Review Updated
Christy Bieber
By: Christy Bieber
Christy Bieber
Christy Bieber
Writer

Christy Bieber is a full-time personal finance and legal writer with more than a decade of experience. She has a JD from UCLA as well as a degree in English, Media and Communications with a Certificate in Business Management from the University of Rochester. In addition to writing for The Ascent and The Motley Fool, her work has also been featured regularly on MSN Money, CNBC, and USA Today. She also ghost writes textbooks, serves as a subject matter expert for online course design, and is a former college instructor.

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Our Insurance Expert

Eric McWhinnie
Check IconFact Checked Eric McWhinnie
Eric McWhinnie
Eric McWhinnie

Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Chubb auto insurance is a good fit for consumers who prioritize comprehensive coverage over price. While premiums are higher than most competitors, Chubb offers some unique coverage options. This Chubb auto insurance review provides insight needed to decide if this insurer is the right fit.

Logo for Chubb
Best for drivers willing to pay more for higher levels of serviceChubb
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor

Bottom Line

Chubb's auto insurance premiums are much higher than average. However, the company receives fewer than the average number of complaints and offers some unique coverage options, including rental car coverage with no per-day limit. Those who prioritize premium coverage over low prices may find Chubb is a good fit.

Pros

  • No per-day limit on car rental coverage
  • Guaranteed minimum payouts available for insured vehicles
  • Fewer complaints than average with the National Association of Insurance Commissioners

Cons

  • Higher-than-average premium prices
  • Fewer agents than many competitors
  • Low Better Business Bureau grade and ratings

Full Chubb auto insurance review

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Monthly premium costs

Chubb's average premiums are higher than average for almost all driver demographics except for new drivers.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$3,013 $3,013 $4,581 $6,046
Data source: The Ascent's analysis of standardized personas.

Cost comparison

Most motorists will find Chubb's prices to be high relative to the average. The table below shows how Chubb stacks up when it comes to premium costs.

Chubb Average Rate National Average Rate
Clean Driving Record $3,013 $2,389
Accident on Record $4,581 $3,037
Speeding Ticket on Record $3,887 $3,023
DUI on Record $6,058 $4,380
18 Years OId - New Driver $6,046 $6,291
65 Years Old - Senior $2,463 $2,140
Military Service $3,013 $2,375
Minimum Coverage (Liability Only) $997 $787
Data source: The Ascent's analysis of standardized personas.

Discounts

Chubb offers standard discounts available from most insurers, including a premium credit for completing a defensive driving course. The insurer also provides a chance to save with SafeLane, a usage-based app that allows policyholder's to earn discounts for good driving behaviors.

Here are some of Chubb's discounts.

  • Accident prevention course (defensive driving credit)
  • Air bag/passive restraint
  • Anti-lock brake
  • Anti-theft
  • Daytime running lights
  • Driver training
  • Good student
  • Multi-car
  • SafeLane

Coverage

Chubb offers some unique policies others don't, including bespoke services tailored to individual risks. For example, risks experienced by farmers and individuals with family offices.

Policy types

  • Auto insurance
  • Boat and yacht coverage
  • Classic car coverage

Chubb offers standard auto insurance as well as specialized coverage for vintage vehicles that are built around the unique needs of car collectors.

Coverage types

  • Agreed-value coverage
  • Collision
  • Comprehensive
  • Liability coverage
  • Original equipment manufacturer parts and procedures
  • Personal accident
  • Riot, terrorism, and sabotage
  • Total loss only
  • Uninsured/underinsured motorist
  • Worldwide rental car coverage

Chubb offers many types of auto insurance that stand out, including the opportunity to get a guaranteed payout if a vehicle is stolen or declared a total loss.

Customer service and ratings

Chubb is not listed on J.D. Power's 2023 Overall Customer Satisfaction index. However, the number of complaints made about the insurer to the National Association of Insurance Commissioners was below average. Unfortunately, the insurer does have a D- rating with the Better Business Bureau, and received an average rating of 1.11 out of 5 stars among customer reviews on the BBB site.

Other insurance available

  • Arts
  • Collectibles
  • Condo insurance
  • Cyber insurance
  • Home appliances and equipment
  • Home insurance
  • Jewelry
  • Renter's insurance
  • Umbrella insurance
  • Wines and spirits

Chubb has many types of specialized coverage most insurers don't offer, making it an ideal choice for those looking to protect alternative assets such as wines and spirits.

Alternatives to consider

Award Icon 2024 Award Winner
Logo for Geico
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
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Read our Geico review

Award Icon 2024 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

When looking for an auto insurer who offers more affordable premiums: Geico offers lower premiums than Chubb for most drivers. But, be aware, Geico had an above-average number of complaints with the National Association of Insurance Commissioners while Chubb's complaints were below average.

When looking for an auto insurer who offers better customer service: State Farm has more agents than Chubb and received high marks on J.D. Power's Overall Customer Satisfaction survey. But keep in mind, State Farm may not offer all of the coverages Chubb does.

Chubb auto insurance summary

Chubb might be best suited for people who:

  • Have alternative assets to insure
  • Need very comprehensive coverage including unlimited rental car coverage
  • Are OK with paying a higher price for insurance

Our auto insurance rating methodology

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.