Chubb Auto Insurance: User Reviews and Quotes (2025)
Chubb offers regular and classic car insurance for people with a high net worth, so it has more expensive average rates than many other insurers.
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Written byJamie Johnson
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
If you own a high-end vehicle that needs specialty parts, you’ll want to choose an insurance company that can accommodate your needs. Chubb is one option to consider since the company offers a variety of insurance products for businesses and high-net-worth vehicle owners.
Chubb sells insurance coverage in 54 different countries and territories, so you’ll receive worldwide coverage. The company offers high limits for auto liability and uninsured motorist coverage for added protection on the road.[1] But Chubb isn’t the best choice for drivers looking for the cheapest auto insurance rates.
Here’s what you need to know about Chubb, including average costs and coverage options.
Quick Facts
The average cost of coverage from Chubb is $120 per month for liability insurance and $216 for full coverage.
Chubb offers a variety of personal and commercial insurance products, including auto, home, travel, and life insurance.
Chubb has a below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC) for a company of its size.
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How Chubb compares to other insurance companies
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $120/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $216/mo |
3.7
A solid optionBased on 9 verified guest reviews and ratings
Best For
High net worth drivers
Customer service
Classic car coverage
Best For
High net worth drivers
Customer service
Classic car coverage
Reviews (5)
Frances
Verified Review
Too Costly
Reviewed in Illinois on June 2025
The price is too high.
Cynthia
Verified Review
Excellent!
Reviewed in North Carolina on August 2024
Absolutely great!
Alexander
Verified Review
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
Reviewed in Florida on June 2024
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.83A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Compared to other insurers that offer usage-based insurance — like Clearcover, Elephant, Hugo, and Mile Auto — Chubb stands out in several areas. Chubb provides coverage in 54 countries and territories, giving it a leg up on its competitors. It also has an A++ (Superior) AM Best rating, so the company can pay its claims and meet financial obligations.
But Chubb charges higher rates and offers fewer discounts than other insurers. The company has fairly standard customer service and doesn’t really stand out compared to what other insurers offer.
Learn more about how Chubb compares to competitors below.
Pros
Reputation for outstanding customer service
Numerous insurance products available
Fewer complaints than average with the National Association of Insurance Commissioners
Cons
Not available in every state
Tailored to serve luxury vehicles
Higher-than-average premiums
Factor  | How Chubb Compares |
|---|---|
| Rates | Higher |
| Customer service | Similar to competitors |
| Discounts | Less than competitors |
| Availability | More than competitors |
| Financial strength | Stronger than competitors |
Our editorial team spent 350 hours developing the IQ (Insurify Quality) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer’s transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
How Chubb auto insurance works
Chubb offers a variety of insurance products, including auto, liability, travel, and home insurance. Chubb also offers business insurance, such as workers’ compensation and professional liability insurance.
If you purchase Chubb Masterpiece auto insurance, you’ll need to determine the value of your car. If someone steals your car or you total it in an accident, you’ll receive a full reimbursement from Chubb, regardless of your car’s age or mileage.[2]
If an auto accident or other incident damages your vehicle, Chubb will pay to have it restored to its pre-claim condition. And if you need a rental car while your car is being repaired, you have coverage up to $15,000 with no per-day limit. This allows you to rent a similar vehicle to the one you already own.
Chubb also sells classic car insurance for vehicles at least 30 years old or from a limited production model.[3] To qualify, you must garage your vehicle or only use it as a hobby vehicle, but Chubb won’t put any mileage restrictions on the vehicle. However, the company doesn’t offer coverage for motorcycles or other types of vehicles.
How Chubb rates compare to competitors
Because Chubb specializes in auto coverage for classic car owners and people with expensive vehicles, the company has higher average premiums than many competitors. But Chubb provides a level of coverage that may feel worth it if you have a high-value or classic vehicle.
Compare the average full-coverage insurance rate from Chubb to those of other companies that offer usage-based insurance below.
Full-Coverage Rates by Insurance Company
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Chubb auto insurance
Your driving record and age affect how much you pay for coverage. Drivers with clean records pay the lowest rates, while people with one or more past speeding tickets, at-fault accidents, or DUIs face higher average premiums.
Teenagers pay the highest rates by driver age. Premiums typically decrease with age for drivers 25 and older, but rates tick up again slightly for drivers 70 and older.
Below, you can see the average cost of full coverage from Chubb by driver type and compare it to the national average.
Driver Type | Chubb Average Monthly Quote | National Average |
|---|---|---|
| Drivers with a clean record | $216 | $176 |
| Drivers with a speeding ticket | $274 | $228 |
| Drivers with an at-fault accident | $281 | $235 |
| Drivers with a DUI | $319 | $260 |
| Teen drivers | $506 | $340 |
| Senior drivers | $141 | $150 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Chubb car insurance cost by state
Car insurance requirements and average prices vary by state and ZIP code. For example, if you live in an area with high rates of vandalism or vehicle theft, you can expect to pay higher car insurance rates.
Living in an area with high rates of litigation, auto insurance fraud, or hazardous weather can also affect the cost of auto insurance.
Chubb has more expensive premiums than many other insurers — largely due to the clientele it serves. The following table outlines the monthly average full-coverage insurance rates in each state that Chubb sells auto coverage in and that Insurify has rate data for.
State | Chubb Average Monthly Quote | State Average |
|---|---|---|
| California | $227 | $198 |
| Michigan | $122 | $212 |
| Minnesota | $182 | $158 |
| Pennsylvania | $185 | $147 |
| Tennessee | $262 | $130 |
| Texas | $303 | $211 |
| Virginia | $152 | $176 |
| Washington | $190 | $166 |
| Wisconsin | $104 | $111 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Chubb car insurance discounts
Taking advantage of car insurance discounts is one of the best ways to lower your monthly premiums. So when you’re trying to choose an insurer, it’s important to consider the discounts the company offers.
Chubb doesn’t clearly advertise car insurance discounts on its website. But depending on where you live, you may be able to earn one or more discounts for the following:
Bundling auto and homeowners insurance
Insuring multiple vehicles
Practicing safe driving habits
Having anti-lock brakes
Driving a vehicle with an anti-theft system
Earning good grades
How customers feel about Chubb
Chubb customers seem to generally feel satisfied with the company’s coverage and customer service. It has fewer customer complaints than other companies of its size. You can reach customer support by phone or email. You can find the company’s phone number and email address on its website.
Most importantly, you can trust Chubb to pay out its claims. The company has an impressive financial strength rating from AM Best.
Chubb customer reviews
Chubb has received more than 500 customer reviews on Trustpilot and has an average rating of 1.5 out of 5 stars. In some of the complaints, customers stated that they attempted to file a claim that Chubb later denied. But the majority of the reviews on Trustpilot specifically discussed Chubb’s homeowner and travel insurance, not auto insurance.
Here are some verified reviews from real users.
Frances
Verified Review
Too Costly
Reviewed in Illinois on June 2025
The price is too high.
Cynthia
Verified Review
Excellent!
Reviewed in North Carolina on August 2024
Absolutely great!
Alexander
Verified Review
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
Reviewed in Florida on June 2024
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
Troy
Verified Review
Good
Reviewed on October 2021
They are great to deal with, just expensive.
Chubb ratings
Though Customer reviews can give you a sense of what doing business with a company is like, they can be highly subjective. In comparison, ratings from third-party companies, like AM Best and the NAIC, can give you a more objective look at that company.
AM Best rates companies based on their financial strength, and the NAIC Complaint Index measures the average number of customer complaints a company receives. Learn more about Chubb’s ratings below.
Rating | Score | What This Means |
|---|---|---|
| AM Best | A++ (Superior) | Excellent financial strength |
| NAIC Complaint Index | 0.41 | Very few complaints |
Chubb car insurance coverage options
Chubb offers the standard coverage options you’d expect to receive, including liability, comprehensive, collision, and full-coverage insurance.
Here are some additional coverage options you can consider from Chubb:
Agreed-value coverage
Chubb will reimburse you for the agreed value of your vehicle following a total loss, regardless of the vehicle’s age or mileage.
Original equipment manufacturer (OEM) parts
Following covered damage, this helps you repair your vehicle with OEM parts only. You’ll also have your choice of repair shops.
Rental coverage
You can receive up to $15,000 in rental coverage with no daily limits. Chubb offers this coverage worldwide.
Underinsured/uninsured motorist coverage
You could receive up to $10 million in uninsured motorist coverage.
Lock/key replacement
You’ll receive a lock and key replacement with no deductible or out-of-pocket expense through this coverage.
Child safety seat replacement
Chubb will replace your child’s safety seat following damage during an auto accident.
Pet injury
If your pet incurs an injury in a car accident, you can receive a reimbursement for up to $2,000 through this coverage.
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Other options for Chubb customers
Chubb will evaluate your financial situation and personal property to help you understand your insurance needs.
Here are some additional coverages available for Chubb customers:
Business insurance: Chubb offers insurance for small businesses, including workers’ compensation, professional liability, and cyber insurance.
Home insurance: The company offers homeowners, condo, and renters insurance. It also sells appliance insurance.
Valuables insurance: Chubb will also insure high-value items, like jewelry, art, and personal collections.
Life insurance: In addition, Chubb offers life insurance to help families protect their financial future.
How Chubb SafeLane works
Chubb SafeLane is a usage-based insurance program. You can save up to 10% on auto insurance just by enrolling.
Once you sign up, the Chubb mobile app will start evaluating your driving behavior. For example, the app tracks speed, phone usage, and braking. From there, the company will develop a customized discount based on your driving habits. The program is optional, and you can opt out at any time by contacting your agent or broker.
Chubb car insurance FAQs
Chubb is a good option for classic car owners and high-net-worth vehicle owners, but it’s not the best choice for everyone. Here’s some additional information about Chubb auto insurance.
Is Chubb legitimate?
Yes. Chubb is a legitimate company that’s been around for more than 100 years. Like most insurers, it has received some negative reviews from customers online. But it doesn’t have any past fraudulent practices.
What is the average cost of Chubb car insurance?
Chubb customers pay average monthly rates of $120 for liability coverage and $216 for full coverage, which is higher than what many insurance companies charge. But the exact price of auto insurance will vary depending on your age, driving record, credit history, ZIP code, and more.
Why is Chubb insurance so expensive?
Chubb is more expensive because the company caters to people with a high net worth. The company offers excellent coverage and has the financial strength to pay out on its claims.
Is Chubb good at paying claims?
Yes. Chubb received an A++ (Superior) AM Best financial strength rating, which indicates that the company can pay out its claims.
How do you cancel your Chubb insurance policy?
If you want to cancel your Chubb insurance policy, you’ll have to contact your insurance agent or broker. Chubb doesn’t appear to offer a way for customers to cancel their policy online or through the app.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.