Chubb vs Liberty Mutual Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

Chubb
85
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Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Chubb VS Liberty Mutual
85
82
What is this?
User Ratings
OptionsChubb Liberty Mutual
Rating/Reviews
12 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsChubb Liberty Mutual
Call Center Representative--About average
Insurer Website--Better than most
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsChubb Liberty Mutual
Claim Servicing--The rest
Estimation Process--The rest
First Notice of Loss (FNOL)--About average
Overall Satisfaction--The rest
Rental Experience--About average
Repair Process--About average
Settlement--The rest
J.D. Power Ratings by Region (out of 1000)
RegionChubb Liberty Mutual
California--816 pt
About average
Central--806 pt
The rest
Florida--805 pt
The rest
Mid-Atlantic--801 pt
The rest
New England--809 pt
About average
New York--818 pt
About average
North Central--812 pt
The rest
Northwest--807 pt
About average
Southeast--814 pt
The rest
Southwest--811 pt
About average
Texas--807 pt
The rest
Mobile App Ratings
RegionChubb Liberty Mutual
Android
1 Reviews
2,531 Reviews
iOS--
12,900 Reviews
Financial Ratings
OptionsChubb Liberty Mutual
A.M. BestA++A
FitchAAA-
Moody'sA3A2
Standard & Poor'sAAA

Auto Insurance Quotes

For Married Drivers

CityChubb Liberty Mutual
Austin$62--

For Single Drivers

CityChubb Liberty Mutual
Austin$64--

For Male Drivers

CityChubb Liberty Mutual
Austin$55--

For Female Drivers

CityChubb Liberty Mutual
Austin$71--

For Drivers with Speeding Ticket

CityChubb Liberty Mutual
Austin$87--

For Drivers with No Speeding Ticket

CityChubb Liberty Mutual
Austin$58--

For Drivers Age Between 18-40

CityChubb Liberty Mutual
Austin$67--

For Drivers Age Between 40-65

CityChubb Liberty Mutual
Austin$58--

For Drivers Age of 65+

CityChubb Liberty Mutual
Austin$67--

For Drivers with Average Credit

CityChubb Liberty Mutual
Austin$79--

For Drivers with Fair Credit

CityChubb Liberty Mutual
Austin$71--

For Drivers with Good Credit

CityChubb Liberty Mutual
Austin$57--

For Drivers with Excellent Credit

CityChubb Liberty Mutual
Austin$46--

Quotes & Discounts

Discount typeChubb Liberty Mutual
Accident Free--Varies
Accident Prevention Course--Varies
Advance shopper--Up to 45%
Anti-Theft Device--Up to 25%
Anti-lock Brake--Varies
ByMile--Varies
Claims Free Renewal--Varies
Driving training--Up to 30%
EV/Hybrid--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
Good Student--Up to 22%
Home Owner--Varies
Military--Varies
Multiple Policy--Varies
Multiple Vehicle--Up to 5%
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Organization--Varies
Paid in full--Varies
Paperless documents--Varies
Passive Restraint--Up to 20%
Policy Update/Extension--Varies
Preferred payment--Varies
RightTrack--Up to 30%
Safety Feature--Varies
Senior Adult--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%
Student Away at School--Varies
teenSMART--Varies

Payment Methods

Discount typeChubb Liberty Mutual
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
yes--
Online Payment
yesyes
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and ServicesChubb Liberty Mutual
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverage--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesChubb Liberty Mutual
Accident Forgiveness
--yes
Antique or Collector Car Insurance
yes--
Better Car Replacement
--yes
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Gap Insurance
--yes
Legal Defense Costs Coverage
--yes
Lifetime Repair Guarantee
--yes
New Car Replacement Coverage
--yes
Original Equipment Manufacturer Coverage
yesyes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Teachers Insurance
--yes
Vanishing Deductible
--yes
Work Loss Coverage
--yes

Uber and Lyft driver insurance

  • Chubb
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductChubb Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Critical Illness InsuranceCritical Illness Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Personal Excess Liability InsurancePersonal Excess Liability Insuranceyes--
Pet InsurancePet Insurance--yes
Personal Watercraft InsurancePersonal Watercraft Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Chubb Reviews
  • Liberty Mutual Reviews
3.3
5 Stars
42 %
4 Stars
8 %
3 Stars
17 %
2 Stars
8 %
1 Star
25 %

Most Helpful Review

By
I've had many carriers, chubb is the most customer focussed. Their premiums are not the cheapest, but their coverage and service is excellent. One point that's very important: you do not need to close out a cliam in order to be partially reimbursed. This is very helpful for claims that take a while to adjust.

Latest Review

By James
Slow. Non-responsive. Pathetic support. Inability to pay all plans through one portal.

All Reviews

Showing 1 - 10 out of 12 Reviews
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Read reviews that mention

James
Slow. Non-responsive. Pathetic support. Inability to pay all plans through one portal.
ANTHONY
ANTHONY
Insurify User
insurance with ACE but not it's Chubb.
Insurify User
top quality
Insurify User
Very good service, helpful over the phone, allow to chose the repair shop when there is any issue.
Insurify User
First accident in entire life, minor accident resulted in over 36% increase in annual premium.
Insurify User
Very high premiums
Insurify User
Chubb made my auto claim and repair process very easy from the first call. They did all the legwork and coordinating for me, and even created a payment plan for the driver who hit me to pay for the repairs themselves.
Insurify User
Continued to charge coverage after coverage had been cancelled for my elderly mother, and moved to Progressive. Representatives were, I believe, purposefully confusing to my mother in order to continue charging coverage even though they were aware that they were no longer the insurer of the vehicle. The policy had been moved to Progressive. These overpayments (her home was also insured by Chubb) for the auto continued for approximately 14 months before being discovered by family member.
Showing 1 - 10 out of 12 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.