Chubb Car Insurance Review

Chubb only sells auto insurance policies to customers who already have Chubb home insurance, and it’s generally ideal for those with a large insurance budget.

Chubb Is Best for Those Who:

• Are looking for top-notch customer service
• Have high-value assets they need to insure
• Are homeowners

Chubb Is Not Best for Those Who:

• Are looking for the cheapest premiums
• Don’t need to insure a home
• Prefer to purchase policies online

Chubb is known for being a relatively expensive insurance provider, though as with any insurance, your rates will vary based on your individual factors like your driving record and vehicle type.

Chubb’s average full coverage premium is 13 percent higher than the national average at $2,659 annually. Its average minimum coverage is $1,005 annually, which is 39 percent more expensive than the national average. As such, we recommend it to drivers looking for full coverage, in particular, but if you’re considering Chubb, chances are you’re interested in full coverage anyway.

Here’s a look at the average premiums of other national insurers to get an idea of how Chubb compares — the only company listed with more expensive rates is Farmers.

Chubb doesn’t prominently feature discounts on its website, given that its priority is quality service, not cost savings. However, there are several discounts you may be eligible for depending on your state. Check with an agent when getting a quote to see which may apply to you.

Highlighted Discount: Chubb SafeLane

Like most auto insurers, Chubb has a telematics program, which can help you save if you drive safely. Chubb’s program is called SafeLane and is integrated into the Chubb app. SafeLane provides a 10 percent discount for enrolling and a maximum discount of 20 percent at renewal based on your driving habits.

The caveat is that the app must track each driver for at least 91 days or 500 miles, whichever comes first, so if you sign up right before renewal, your discount won’t be applied until the next time your policy renews. SafeLane tracks your braking, phone usage while driving, and speed. It also provides trip insights, driving stats, and advice to help improve your driving score.

SafeLane is not available in all states, but you can check with your agent or on the Chubb client portal to see if it’s available where you live. In addition, it will never cause your rate to increase.

Right off the bat, we’ll re-emphasize that Chubb auto insurance policies are only available to home insurance customers. That means that if you don’t own a home, you will not have access to Chubb car insurance. If you currently insure your home with another provider, you’ll need to switch to Chubb.

You can easily request a quote online via Chubb’s website. You’ll need to indicate what type of coverage you’re interested in, input your ZIP code, and fill out some personal information. Once you submit the form, an agent will contact you to discuss your coverage options and provide you with a quote.

Once you’re in touch with an agent, they will be your main point of contact for any questions you have and to purchase a policy. If you don’t already have Chubb home insurance, the agent will give you a quote for both home and auto policies.

Chubb offers all the typical auto coverages, including liability, collision, comprehensive, medical payments, personal injury protection, and uninsured motorist coverage. Since its customer base is mainly high-net-worth individuals and families, it offers much higher liability limits than most companies, with a maximum limit of $10 million.

In addition to those mentioned above, Chubb also offers the following coverages, some of which are included in its auto policies by default:

Customer satisfaction is the area where Chubb shines the most. If your priority is the absolute best customer service, it’s hard to beat Chubb.

For starters, it ranks second out of 97 insurers and has an A rating from the CRASH Network Report Card, which evaluates insurers’ claims practices based on feedback from auto repair shops. The only company ahead of Chubb is North Carolina Farm Bureau, which is only available in North Carolina.

Chubb isn’t included in J.D. Power’s auto insurance studies, but we also looked at its NAIC Complaint Index, which further underscores its exceptional service. It has an overall Complaint Index of 0.48, meaning it receives about half as many complaints as the average. We also filtered by private passenger policies specifically, and its index fell even further to 0.08, indicating that it receives close to no complaints from private auto policyholders.

One final metric we always look at is the AM Best rating, and Chubb unsurprisingly earned the highest possible rating of A++. It may not be the cheapest option, but it’s clear that it processes and pays out claims to most customers’ satisfaction.

Chubb makes it clear in all of its marketing materials that it takes claims very seriously and will work to make sure your asset is repaired or replaced satisfactorily. You can file a claim 24/7, either by phone, fax, online, or through your local Chubb agent.

Once you file a claim, a Chubb Claims Representative will generally contact you within six hours to gather more information and advise you of next steps. Depending on the claim, you may be able to use the Chubb Mobile Estimate app, which allows you to take photos of the damage and quickly receive an estimate. According to Chubb, over 50 percent of claims can be settled on the same day when using this app.

The company also notes that it makes an effort to issue payment within 48 hours of a resolved claim, but of course, the timeline for actually resolving a claim can vary.

Chubb offers both an online portal via its website and a mobile app that policyholders can use to manage their policies. You can also pay a bill or report a claim on the website without logging in.

Through the online portal or the app, you can do the following:

• View your auto ID cards
• Manage cars under your policy
• Make payments
• Get accident support and assistance tools
• Contact your agent

You can also submit a claim online. Although the app technically includes an option to report a claim, it just takes you to a screen with three options to report it, which you can see below:

If you own a home and are looking for an insurer you can trust to provide exceptional service, Chubb is a great option. It’s available nationwide, so you can get a policy no matter where you live. It’s best for high-net-worth individuals and families, as its rates tend to be higher than average, and it has specific features that may appeal to this demographic, including high liability limits.

Chubb auto insurance is only available to customers who already have or are interested in purchasing a home insurance policy, so drivers who don’t own a home will have to look elsewhere. In addition, Chubb doesn’t allow for online quotes, and users report a glitchy app experience, so drivers who want a seamless digital experience may be better off looking for another provider.

At AutoInsurance.com, we review auto insurance providers based on four key factors:

• Price (40%): We analyze average full and minimum coverage rates for safe drivers with good credit and consider an insurer’s available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): Policyholders expect insurance companies to provide a seamless claims experience and a fair payout so they can get back on the road. We evaluate insurance providers’ claims practices using sources like the CRASH Network Insurer Report Card. We also look at financial strength ratings from sources like AM Best.
• Customer Experience (25%): Another important factor is the ease of the customer journey when interacting with an insurance company. We evaluate a company’s website and mobile app, including whether they offer online quotes and purchasing. We also take into account the availability of agents. Our sources include the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We assess each provider’s available coverage options, particularly those beyond the state-required minimums, such as accident forgiveness, gap coverage, and more.

Read more about our ratings and methodology.