Chubb Auto Insurance Review
Chubb Auto Insurance operates worldwide, offering high coverage limits and unique coverage benefits and perks to drivers in more than 50 countries.
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Key Points:
- Chubb Auto Insurance provides standard vehicle insurance coverage in over 50 countries.
- Rates for Chubb Auto Insurance coverage tend to be close to or above the national average for similar policies.
- Customers give Chubb Auto Insurance mixed feedback online.
Chubb auto insurance may not be a household name like Geico or Progressive, but it has availability worldwide. Read on for Chubb Auto Insurance reviews, reputation, coverage, and discounts to see if luxury and classic car owners should turn to Chubb. We’ll also offer our recommendations for the best car insurance companies to compare Chubb quotes against, based on our industry research.
Overview Of Chubb Auto Insurance
According to the National Association of Insurance Commissioners (NAIC), Chubb is the eighth largest provider in the nation for all lines, having written almost 32 billion in direct premiums in 2023. Chubb operates in 54 countries and territories, offering home insurance, auto, health, and life insurance products, depending on your location. Chubb auto insurance specializes in providing comprehensive coverage for high-value vehicles, including classic cars.
Pros
- Coverage anywhere in the world, including when you’re driving rental cars or company cars for personal use
- Perks like identity management and cyber protection
- Original equipment manufacturer (OEM) parts used for repairs with some plans
- Offices in 44 out of 50 states
Cons
- High rates without many discounts
- Long wait times to speak with agents
- Issues with Chubb auto insurance app
Chubb Auto Insurance Rating
After looking into the company’s coverage options, availability, and customer reviews, we rate Chubb Auto Insurance 4.0 out of a possible 5.0 stars. The company has excellent coverage, but has a mixed reputation in the industry and among customers.
| Rating Factor | Rating (Out of 5.0) |
|---|---|
| Cost | 3.7 |
| Coverage | 4.6 |
| Reliability | 3.9 |
| Availability | 3.8 |
| Service | 3.9 |
| Overall Rating | 4.0 |
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Chubb Auto Insurance Coverage
With Chubb auto insurance, you can get the following standard types of car insurance coverage:
- Liability auto insurance
- Collision coverage
- Comprehensive car insurance
- Personal injury protection
- Medical payments
- Uninsured/underinsured motorist
Liability coverage provides the minimum of bodily injury and personal property damage coverage. Other types of car insurance policies, like comprehensive and collision coverage, extend coverage limits and provide coverage for additional types of damage.
The Masterpiece®, as Chubb’s auto coverage is known, includes a number of perks, like repairs using OEM parts. The coverage is extensive and probably covers a bit more than the average driver needs, but for those with expensive vehicles, Chubb auto insurance checks all the right boxes.
Here’s a closer look at the types of insurance benefits Chubb offers:
| Details | |
|---|---|
| High Coverage Limits | You can get up to $10M in liability coverage and uninsured/underinsured motorist coverage with Chubb auto insurance. |
| OEM Parts | When your car requires repairs after an accident, Chubb auto insurance will pay for original parts. |
| Choice of Repair Shop | Choose your mechanic and body shop when your vehicle requires repairs. |
| Rental Car Reimbursement | After an accident, your rental car will be as nice as the one you left in the shop. Chubb auto insurance comes with the industry’s highest amount of rental car coverage–up to $15,000 with no per-day limit. |
| Worldwide Rental Car Coverage | Chubb will cover damage to rental cars almost anywhere in the world. |
| Personal Information Protection | If your car is a total loss and can be accessed, Chubb will erase all personal data stored on your car’s systems, like garage codes and saved contacts. |
| Optional Agreed Value Coverage | With this type of Chubb auto insurance, you decide what your car is worth when your policy is written. If your car is totaled or stolen, Chubb will reimburse you. |
Chubb Auto Insurance Costs
Chubb Auto Insurance customers pay an average of $1,904 per year or $159 per month for full-coverage car insurance. That’s just below the national average of $1,968 per year for similar coverage.
Drivers interested in basic liability coverage can expect to pay $1,046 yearly or $87 monthly, which is far above the national average of $798 per year.
Chubb Auto Insurance Discounts
Chubb only lists a few discounts for its auto insurance policies on its website. Depending on your state and other factors, you may be eligible for the following:
- Home and auto bundling discount: If you have Chubb car insurance and Chubb homeowners insurance, you can bundle your policies to save on both.
- SafeLane discount: Get 10% off your auto insurance premium just for signing up for Chubb’s usage-based insurance program, SafeLane. You could get an additional 20% off with safe driving habits.
Other Common Auto Insurance Discounts
Since Chubb doesn’t list many discounts online, it’s worth asking your insurance agent if any others are available. Below are car insurance discounts that are common across the industry:
- Good student discount: Full-time students with good grades may receive a discount on their car insurance coverage.
- Driver training discount: Drivers who participate in driver education may receive a reduction in their car insurance premiums.
- Accident prevention course (defensive driving): A defensive driving course is a way to improve safe driving skills and save money on car insurance.
- Safety features: Safety feature discounts typically include rate reductions for seat belts, air bags, anti-lock brakes, and other features.
- Multiple car: If you insure more than one vehicle through one provider, rates for both vehicles could receive a discount.
Chubb Auto Insurance Reviews
Chubb insurance reviews are mixed. The Better Business Bureau (BBB) gave Chubb a D- rating, claiming that it failed to respond to 99 customer complaints. However, credit agency AM Best rated the provider’s financial strength at A++ (Superior).
According to comments on the BBB and Yelp, customer reviews are mostly negative. While many comments on the platform are about Chubb’s other insurance products, some auto customers cite issues with customer service responsiveness and coverage. There are a few positive reviews, however, and they cite Chubb’s willingness to help.
Chubb didn’t rank in J.D. Power’s 2023 Auto Insurance StudySM, which measures overall customer satisfaction, or in the 2023 Auto Claims Satisfaction StudySM, which measures customer satisfaction with the claims process.
Chubb has a mobile app, through which policyholders are able to pay for and manage their policies. The app has good reviews, with a rating of 3.9 out of 5.0 on Google Play and 4.5 out of 5.0 on the App Store.
Chubb Auto Insurance: Our Take
Overall, Chubb is a reputable car insurance company that we’re giving 4.0 stars out of 5.0. We believe that Chubb auto insurance would be a great coverage option for collector cars or other high-end vehicles that have specific needs, like high insurance limits and agreed value coverage. However, Chubb’s customer satisfaction experience could be improved.
As always, we recommend comparing car insurance quotes you receive from Chubb Auto Insurance against those from other providers.
Other Recommended Car Insurance Companies
When you’re shopping around for the best auto insurance, it’s a good idea to compare car insurance companies and policies to find the coverage that works for you. We researched the best companies in the industry, and Progressive and Geico were two that came out on top. Here’s what we like about each provider.
Geico: Best For Basic Coverage
We named Geico auto insurance the best car insurance company for basic coverage. It has reasonable premiums, a smooth insurance claims process, and a strong reputation, with an A+ rating from the BBB and an A++ financial strength rating from AM Best–the best rating possible.
In addition to standard auto insurance coverages, Geico provides extras like roadside assistance, rental car reimbursement, and mechanical breakdown insurance. You can also save on your premium with Geico’s usage-based insurance program.
On top of all of that, Geico insures collector vehicles, so the company may be a good option for you if you’re considering Chubb auto insurance for your collector car. We recommend getting a quote from both Geico and Chubb to compare your options.
Read more in our full review of Geico insurance.
Progressive: Best For High-Risk Drivers
Another top auto insurance company, Progressive offers a wide variety of coverage options and a convenient Name Your Price® tool. The company also has an A+ financial strength rating from AM Best.
Beyond standard coverage, you can get roadside assistance, rental car reimbursement, loan/lease payoff, custom parts and equipment coverage, and rideshare coverage with Progressive car insurance. Progressive’s usage-based insurance program Snapshot was one of the first in the industry, and it allows you to pay based on how well and how often you drive.
If you decide to reach out for a quote, make sure to take advantage of the Name Your Price tool. It doesn’t save you money, but it does quickly find you a plan that fits your budget.
Read more in our full review of Progressive insurance.
How We Rated Chubb Auto Insurance:
Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry:
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Availability: Insurance companies that offer wider availability to consumers in terms of state availability and few eligibility requirements are more likely to meet consumer needs.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Pricing: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer a smooth experience.
- Technology: Providers with an online quote tool, easy-to-use claims app and a usage-based insurance app score best in this category.
*Data accurate at time of publication.