Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content

Chubb Auto Insurance Review: Comprehensive Coverage at a Steep Price

Review Updated
Christy Bieber
By: Christy Bieber

Our Insurance Expert

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.

This auto insurer is a good fit for: Customers willing to pay a premium for more comprehensive coverage and white-glove service.


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 stars
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

Chubb Car Insurance Snapshot


Chubb Auto Insurance is more expensive than many competitors, and its premium prices are higher than industry averages for most drivers. In 2022, the national average auto insurance premium was $2,875 per year for all drivers, but Chubb's average annual premium was $3,231. Chubb is also more expensive for drivers with an accident or DUI on their records, although the insurer is cheaper for new drivers.


Chubb offers a limited number of discounts for motorists. Drivers can save money for bundling home and auto coverage, insuring multiple vehicles, completing driver training or taking an accident prevention course, or for buying vehicles with certain safety features such as passive restraint systems, anti-lock brakes, anti-theft devices, or daytime running lights. However, Chubb is missing other discounts many competitors offer. This includes a discount for new vehicles, good driver discounts, or savings for securing quotes online.


Chubb's focus is on covering high net worth drivers with expensive vehicles. There's no per-day limit on rental car coverage, so those involved in a collision who have luxury vehicles can rent comparable cars. And Chubb clients can opt to buy coverage that guarantees they'll receive a certain sum for their vehicle if it is declared a total loss. They will receive enough money to buy a new luxury or classic car regardless of how old their current car is or how many miles it has.

Customer Service

Chubb claims that 97% of clients who made a claim with the company were "highly satisfied" with their experience. Although Chubb was not included in J.D. Power's auto insurance claims satisfaction study for 2021, J.D. Power's data show the insurer received high rankings for customer satisfaction when it comes to property claims. Only MetLife and Auto Owners Insurance received higher rankings.

Full Chubb review


  • Solid customer service rankings
  • No per-day limit on car rental coverage
  • Guaranteed minimum payouts available for insured vehicles


  • Higher premiums for most drivers
  • Fewer discounts than many competitors
  • Fewer agents than some competitors

Chubb auto insurance at a glance

Monthly premium costs:

  • 35-year-old female with clean driving record: $222/month, $2,663/year
  • 35-year-old female with one accident: $325/month, $3,899/year
  • 18-year-old-male with clean driving record: $447/month, $5,368/year
  • Driver with one DUI: $416/month, $4,997/year

Coverage options:

  • Agreed-value coverage
  • OEM Coverage
  • Car rental coverage
  • Uninsured/underinsured motorist coverage

Top perks

Solid customer service rankings

Chubb received top ratings from J.D. Power in its property claims satisfaction survey. It ranked third, with only MetLife and Auto Owners receiving higher rankings. The insurer also touts a 97% customer satisfaction rating among clients who made claims. The claims-handling process is made easier because Chubb offers a choice of repair shops.

No per-day limit on car rentals

Chubb allows drivers to choose a rental car that fits their lifestyle. There's no daily limit, and Chubb provides up to $15,000 in total rental car reimbursement when a covered vehicle is out of service following an accident. This means drivers can drive temporary vehicles comparable to the ones they own. Rental car coverage is also available worldwide.

Agreed value coverage

Chubb offers Agreed Value Coverage. With this type of protection, policyholders and the insurer agree on what the car is worth at the time when the driver obtains protection. If the car is declared a total loss or is stolen, Chubb pays out the pre-arranged sum regardless of the car's age or mileage.

What could be improved

Premiums are higher than many competitors

Chubb's premiums for a 35-year-old female with a clean driving record are $424 per year higher than the national average. Chubb also charges higher premiums for drivers with an accident or DUI on their records.

Chubb offers fewer discounts

While Chubb offers some industry-standard discounts such as for bundling multiple policies, insuring multiple vehicles, or completing defensive driving courses, it's lacking in savings opportunities other insurers provide. For example, while Geico offers a new-vehicle discount and Progressive offers the opportunity to save money for getting online quotes, Chubb provides neither.

Fewer agents than some competitors

Chubb has around 8,000 producers worldwide that help customers to obtain products and services. By contrast, competitors such as Geico have more than 43,000 associates.

Alternatives to consider

When looking for an auto insurer who offers lower premiums: Geico charges average annual premiums of $1,973 per year for all drivers compared with $3,231 for Chubb. Geico also provides considerably more discount opportunities, so it may be a better fit for those looking for the most affordable coverage.

Monthly premium costs

Chubb's prices are higher than the national average for most drivers. While a 35-year-old female with a clean driving record would be looking at a national average premium of $2,239, the same driver insured by Chubb would pay over $400 more annually. Likewise, drivers with one accident would pay $673 more per year with Chubb compared with the national average for the same driver and those with one DUI would pay $807 more.

The exception is for new drivers -- an 18-year-old inexperienced motorist would pay an annual premium of around $5,368 with Chubb compared to the national average of $6,087.

35y, female, clean record Driver with one accident 18-year-old new driver 1 DUI
$222/month, $2,663/year $325/month, $3,899/year $447/month, $5,368/year $416/month, $4,997/year
Data source: The Ascent's analysis of standardized personas

Discounts available

Chubb provides a limited number of discounts for drivers. These include:

  • Multi-policy discounts: Drivers can save if they insure both their home and cars with Chubb.
  • Driver training discounts: Motorists can save if they complete a defensive driving course or undergo other driver training.
  • Vehicle safety features: Including discounts for passive restraint systems, anti-lock brakes, anti-theft devices, and daytime running lights.

Coverage options

Chubb offers many different types of insurance policies including most types of insurance an individual or business would need. This includes the following types of policies:

Policy types

  • Home insurance
  • Auto insurance
  • Classic car coverage
  • Boat and yacht coverage
  • Cyber insurance
  • Umbrella insurance

The myriad policies available offer the opportunity to save through bundling multiple types of coverage that not all insurers offer.

Coverage types

Chubb provides standard types of coverage including liability protection and collision coverage. However, it also offers some unique coverage options including the following:

  • Agreed-value coverage
  • OEM coverage
  • Car rental coverage with a $15,000 total limit and no daily limit
  • Uninsured/underinsured motorist coverage with high policy limits

These coverage options demonstrate Chubb's commitment to providing service to high net worth consumers interested in protecting their assets and ensuring they have a quality vehicle.

Customer service and ratings

Chubb touts its high claims satisfaction ratings, claiming 97% of customers who made a claim were very satisfied. J.D. Power also ranked Chubb third in Property Satisfaction claims.

This auto insurer is best for:

Chubb is best suited for people who:

  • Are high net worth individuals willing to pay for bespoke service
  • Are drivers of classic cars
  • Are motorists who may need to rent an expensive car after an accident.

Other insurance companies to consider include Geico if you want a wider network of agents or cheaper premiums, or Progressive if you want more access to auto insurance discounts including savings for getting policy quotes online.

Our Insurance Expert