Chubb vs USAA 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

USAA
96
What is this?

Insurify Composite Score

Chubb VS USAA
85
96
What is this?
User Ratings
OptionsChubb USAA
Rating/Reviews
12 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsChubb USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsChubb USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionChubb USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionChubb USAA
Android
1 Reviews
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsChubb USAA
A.M. BestA++A++
FitchAAAA+
Moody'sA3Aa1
Standard & Poor'sAAAA+

Auto Insurance Quotes

For Married Drivers

CityChubb USAA
Austin$62$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityChubb USAA
Austin$64$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityChubb USAA
Austin$55$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityChubb USAA
Austin$71$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityChubb USAA
Austin$87$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityChubb USAA
Austin$58$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityChubb USAA
Austin$67$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityChubb USAA
Austin$58$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityChubb USAA
Austin$67$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityChubb USAA
Austin$79$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityChubb USAA
Austin$71$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityChubb USAA
Austin$57$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityChubb USAA
Austin$46$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeChubb USAA
Accident Forgiveness--Varies
Anti-Theft Device--Up to 20%
Anti-lock Brake--Varies
Daytime Running Lights--Varies
Defensive Driver--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Good Student--Varies
Low Mileage--Varies
Loyalty--Varies
Military--Up to 15%
Multiple Policy--Up to 9%
Multiple Vehicle--Up to 13%
New Car--Varies
Passive Restraint--Up to 15%
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

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

Features and Services

Features and ServicesChubb USAA
24/7 serviceyesyes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesChubb USAA
Accident Forgiveness
--yes
Antique or Collector Car Insurance
yes--
Extended Coverage
--yes
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • Chubb
  • USAA
  • Both

Compare Insurance Products

ProductChubb USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Personal Excess Liability InsurancePersonal Excess Liability Insuranceyes--
Personal Watercraft InsurancePersonal Watercraft Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • Chubb Reviews
  • USAA 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.