Chubb insurance review 2025

Chubb car insurance cost

For 2024, average national cost of full coverage car insurance is $2,692 per year, and minimum coverage sits at $808 per year. In comparison, Chubb's average full coverage rate is 31 percent more than the national average at $3,527 per year. Minimum coverage is 21 percent more at $974 per year. This could be due to the company’s extensive extras and additional services, but keep in mind that individual rates will vary, as car insurance premiums are highly individualized.

How much is Chubb car insurance?

Having a moving violation on your driving record or being involved in an at-fault accident can impact your car insurance rates. Car insurance companies may add a surcharge (typically for three to five years) to your car insurance based on the frequency and severity of incidents on your driving record, although that doesn’t mean it’s impossible to save on car insurance. Below is a snapshot of how average car insurance rates with Chubb vary based on driving history. Note that not all carriers will insure high-risk drivers, like those with DUIs. If you have a DUI conviction, the best way to check whether it would write you a policy is to contact the company directly for a car insurance quote.

Chubb car insurance quotes by age

Car insurance rates vary by age in most states. Young drivers typically pay some of the highest car insurance rates due to their high accident rate and lack of experience. However, young adult drivers may be able to save a bit by remaining insured on their parents' policy — if their carrier allows it. Below you can see how average rates from Chubb stack up against the national average as you age.

Compare Chubb car insurance rates

Each car insurance company assesses risk and calculates premiums using its own formula. This can result in getting very different quotes between insurers, even if you request the same coverage. Chubb, known for its high-end insurance products and services, typically has rates that are higher than the national average and those of many other well-known carriers. This pricing reflects Chubb's focus on offering extensive coverage options and exceptional service, catering to individuals who seek more than just basic insurance.

Chubb customer satisfaction

Chubb auto insurance customer complaints

Chubb car insurance discounts

Chubb offers a handful of potential car insurance discounts to its customers, including common savings like a multi-policy discount, a driver training discount and a good student discount. Savings may vary by state, so it’s best to request a car insurance quote and ask for all discounts that you qualify for to be applied to see what your total savings might be.

• Auto with home: By insuring both your home and vehicle with Chubb's Masterpiece policies, you could receive a percentage off your auto insurance where eligible.
• Good student: This potential discount recognizes academic achievements by offering a rate reduction for students who maintain a high GPA.
• Driver training: This discount opportunity rewards newly licensed drivers who have successfully completed an approved driver education course.
• Accident prevention course: Those who complete an approved defensive driving course that emphasizes safer driving practices might be able to take advantage of this savings opportunity.
• Air bag/passive restraint: For vehicles equipped with safety features like air bags, a discount might be available to reflect the reduced injury risk.
• Anti-theft: Cars with security systems or anti-theft devices may qualify for a discount due to decreased theft risk.

Chubb home insurance cost

Like its auto insurance, Chubb home insurance is more expensive than the national average. For a policy with $300,000 in dwelling coverage, Chubb’s average annual premium is $3,124, compared to the national average of $2,329 per year. Keep in mind that Chubb sells coverage geared toward high-value homes and high-net-worth clients, though, so the added cost is likely due to the extensive coverage you’ll receive as part of your standard policy. Still, those perks may be too robust for the cost for some homeowners.

Compare Chubb homeowners insurance rates

Insurance rates for homeowners can fluctuate considerably from one provider to another, as each company employs its own set of criteria for risk assessment and premium calculation. Factors such as the home's location, its features and coverage limits can influence the final quote you receive. Below you can compare the average cost of a policy with $300K in dwelling coverage from Chubb and some of the other largest home insurance companies.

Chubb customer satisfaction

When evaluating home insurance options, third-party ratings may help you form a well-rounded view of customer satisfaction. These ratings can offer a glimpse into how existing policyholders view their insurer's service quality, claims handling and overall value. Chubb, with its focus on high-value properties and comprehensive coverage, often attracts a specific clientele, which is something to bear in mind when interpreting these ratings.

Chubb homeowners claims satisfaction

Chubb home insurance customer complaints

Chubb home insurance discounts

Like its auto insurance discounts, Chubb’s home insurance discounts will vary by state and likely include other eligibility requirements. To determine which discounts you might be eligible for, speak with your Chubb agent. Here’s a list of common discounts offered with Chubb’s home insurance policies:

• Home with auto: Insure your primary home and autos with Chubb and receive a credit on your homeowner insurance premium, where applicable.
• Home with valuable articles: When homeowners insurance customers opt for valuable articles coverage from Chubb, they could obtain a credit on their homeowners insurance premium.
• Superior protection credits – security perimeter: Chubb rewards homeowners who implement top-tier security measures, including closed-circuit TV cameras that are monitored 24/7, motion-activated detection systems external to the residence, and round-the-clock on-site security guards.
• Full-time caretaker: Homes with a year-round, full-time caretaker could qualify for a special discount.
• Temperature monitoring system: Homes equipped with a system that monitors against freezing temperatures and activates a central station alarm when necessary could net their owners an insurance discount.
• Wildfire suppression system: Properties equipped with advanced wildfire suppression systems that can be manually activated, triggered through the telephone, or automatically set off by a fire sensor could help homeowners benefit from premium reductions.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.