How Much Does Chubb Car Insurance Cost?

Choosing a car insurance provider can feel overwhelming. If you're considering Chubb, reviewing its rates carefully will help you decide if it's the right fit. However, we recommend collecting quotes from several providers to ensure you're getting the best value when you want to save money on your car insurance.

Chubb car insurance pricing per month

Full-coverage car insurance from Chubb costs $228 per month on average. Drivers who choose minimum liability-only coverage pay an average of $126.

Keep in mind these are average figures. Your individual rate will depend on factors such as age, location, credit score, and driving history. While your actual Chubb rate may be different, these averages provide a useful benchmark when shopping around.

	Chubb average monthly cost	National average monthly cost
Full coverage	$228	$186
Liability-only	$126	$104

Chubb's rates versus other car insurance providers

Each company evaluates risk and applies discounts differently, which affects pricing. Comparing quotes will show you how Chubb measures up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Chubb	$228	$126

Chubb's rates by age

Age plays a major role in how Chubb prices policies. Car insurance for teen drivers runs the highest, with full-coverage premiums averaging $535 per month.

Rates tend to decline as you move into your 20s, with Chubb charging $296 on average. Costs continue falling through your 30s at an average of $230 and into your 40s at $192.

The lowest rates usually appear for drivers in their 50s, 60s, and 70s with monthly averages of $173, $148, and $142, respectively.

These patterns show how insurers evaluate risk across different life stages.

Age group	Chubb average monthly full coverage cost	National average monthly cost
Teens	$535	$360
20s	$296	$242
30s	$230	$199
40s	$192	$191
50s	$173	$177
60s	$148	$159
70s	$142	$162

Chubb's rates for high-risk drivers

A record that includes traffic violations or accidents will typically result in higher Chubb rates. High-risk drivers with a speeding ticket face average monthly costs of $290, while an at-fault accident pushes rates to around $297.

Drivers with a DUI face significantly higher premiums, with monthly rates averaging $337. These are typical costs for high-risk situations, though your exact rate will vary based on when the incident occurred and other personal rating factors.

Driving record	Chubb average monthly full coverage cost	National average monthly cost
Accident	$297	$249
Speeding ticket	$290	$241
DUI	$337	$275

How does your credit score affect your rate with Chubb?

Most states allow insurers to factor credit scores into rate calculations. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit matters, Chubb adjusts pricing according to your credit tier. Those with excellent credit average $193 per month, while good credit holders pay slightly more at $221.

Drivers with average credit face monthly premiums around $229, and poor credit typically means costs near $444 per month.

These figures demonstrate how credit impacts your monthly premium, though your final rate will also reflect other individual factors.

Credit score	Chubb average monthly cost of full coverage	National average monthly cost
Excellent	$193	$164
Good	$221	$179
Average	$229	$194
Poor	$444	$228

FAQs

Can I get a Chubb auto policy without a homeowners insurance policy?

Chubb's Masterpiece auto insurance is available only to customers who also carry homeowners coverage with the company. This bundled approach allows Chubb to offer enhanced discounts for multi-policy coverage.

Does Chubb work directly with customers or through agents?

Chubb works exclusively through independent insurance agents and brokers rather than offering online quotes or direct purchasing. While this eliminates the convenience of instant online quotes, it aims to provide specialized expertise particularly for protecting expensive automobiles and coordinating coverage with your broader wealth management strategy.

How does Chubb's agreed value coverage protect classic car owners?

Chubb's agreed value coverage eliminates depreciation concerns by establishing your vehicle's worth upfront. If your classic or luxury car is stolen or totaled, you'll receive the pre-determined amount without deductibles or market value disputes.

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Bottom line

Should you choose Chubb as your car insurance company? The most reliable approach is gathering quotes from Chubb alongside other insurers and evaluating them on both price and service.

Data throughout provided by Insurify.

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Author Details

Kristen Cervellini

Kristen Cervellini is an editorial assistant at FinanceBuzz. She holds a B.A. in Journalism and Media Studies from the University of Nevada, Las Vegas, and has a background spanning publishing, digital media, and community news. Kristen has edited and produced content across multiple brands. Passionate about storytelling and efficiency, she uses data-driven insights and innovative tools to create personal finance content that connects with readers.