Chubb auto insurance may not be a household name like Geico or Progressive, but the company is actually the largest property and casualty insurance company in the world according to its website. Read on for Chubb Auto Insurance reviews, reputation, coverage, and discounts to see if luxury and classic car owners should turn to Chubb. We will compare Chubb auto insurance to other best car insurance companies in the nation.
We recommend using the form above to see the best rates and providers available in your area. You can also get free quotes by calling Motor1’s designated quotes team at (844) 246-8209.
Overview Of Chubb Auto Insurance
Chubb operates in 54 countries and territories, offering home, auto, health, and life insurance depending on your location. Chubb auto insurance specializes in providing comprehensive coverage for high-value vehicles, including classic cars.
Chubb Auto Insurance Coverage
With Chubb auto insurance, you can get the following standard types of car insurance coverage:
- Liability auto insurance
- Collision coverage
- Comprehensive car insurance
- Personal injury protection
- Medical payments
- Uninsured/underinsured motorist
The Masterpiece® includes a number of perks like OEM parts. The coverage is extensive and probably covers a bit more than the average driver needs, but for those with expensive vehicles, Chubb auto insurance checks all the right boxes. Here’s a closer look.
|High Coverage Limits||You can get up to $10M in liability coverage and $1M in uninsured/underinsured motorist coverage with Chubb auto insurance.|
|Worldwide Liability||When you purchase a liability limit of $1M or more, you are covered worldwide.|
|OEM Parts||When your car requires repairs after an accident, Chubb auto insurance will pay for original parts.|
|Choice of Repair Shop||Choose your mechanic and body shop when your vehicle requires repairs.|
|Rental Car Reimbursement||After an accident, your rental car will be as nice as the one you left in the shop. Chubb auto insurance comes with the industry’s highest amount of rental car coverage – up to $15,000 with no per-day limit.|
|Worldwide Rental Car Coverage||No matter where you are in the world, Chubb will cover damage to rental cars.|
|Personal Information Protection||If your car is a total loss and can be accessed, Chubb will erase all personal data stored on your car’s systems, like garage codes and saved contacts.|
|Optional Agreed Value Coverage||With this type of Chubb auto insurance, you decide what your car is worth when your policy is written. If your car is totaled or stolen, Chubb will reimburse you.|
Chubb Auto Insurance Discounts
Now that you understand your coverage options, let’s talk about how much you’ll be paying for Chubb auto insurance. Cost varies depending on a number of factors like the type of vehicle you have, your driving history, location, credit score, and personal information such as your age, gender, and marital status.
Depending on your state, you may be eligible for discounts on your Chubb auto insurance policy with the Masterpiece plan. These include:
Chubb Auto Insurance Reviews
Chubb is highly regarded by industry experts around the world. The Better Business Bureau (BBB) gave Chubb a D- rating, and AM Best rated the provider’s financial strength at A++ (Superior). As for Chubb auto insurance customers, reviews are mixed – which is common for any large insurance company.
American customers have found trouble with Chubb auto insurance worldwide coverage. Multiple customers have reported getting into accidents abroad and receiving inadequate help from Chubb. More satisfied customers report positive experiences with customer service representatives being polite, professional, and helpful. Especially good remarks come from how easy it is to frequently lease cars and add family members to policies when they become of age to drive.
In addition to a website and mobile website, customers are able to pay through the Chubb mobile app. Unfortunately, the app has mixed reviews on Google Play. Users say the app’s loading time is slow and the app is unable to connect to certain servers.
Positive Chubb Auto Insurance Reviews
“I did extensive research before choosing CHUBB and all legitimate review roads lead me to them. I have an agent who is accommodating and answers any and all question whenever I call, which is seldom.”
– Jem M. via Yelp
Another customer posted a complaint and later updated it with a more positive experience:
“[Update] once I complained on social media and Yelp[, Chubb] corporate sprung into action apologized for the lack of response from their employees and handled me immediately within two weeks…”
– Gia H. via Yelp
Negative Chubb Auto Insurance Reviews
“I’ve been insured by Chubb for about a decade, maybe longer. They used to be incredible. Something happened around 2 years ago, and they’ve gone downhill fast. Their response times are now atrocious – expect to wait at least a week for any response at all.”
– Steven S. via Yelp
“Chubb Insurance Company agreed to cover my claim after their insured hit me. I was not at fault. I am very disappointed and having to take legal action since they are not fulfilling my requested loss in value that my GMC truck sustained when I was rear ended by their insured.”
– Fernando D. via BBB
Our Verdict On Chubb Auto Insurance: 4.0 Stars
Overall, Chubb is a reputable car insurance company that we’re giving 4 out of 5 stars. We believe that Chubb auto insurance would be a great coverage option for collector cars or other high-end vehicles that have specific needs, like high insurance limits and agreed value coverage. Chubb’s mobile experience could be improved, but we would trade a great claims experience for a mobile app any day.
Top Recommended Car Insurance Companies
When you’re shopping around for the best auto insurance, it’s always a good idea to compare car insurance companies and policies to find the coverage that works for you. We recently researched the best companies in the industry, and Progressive and Geico were two of the companies that came out on top. Here’s what we like about each provider.
Geico: Best Overall
We named Geico auto insurance the best car insurance company overall for its great coverage, reasonable premiums, and smooth claims process. As the second-largest auto insurer in the nation, Geico wrote over $34 billion in premiums in 2019 according to the National Association of Insurance Commissioners (NAIC). The company has an impeccable reputation, with an A+ rating from the BBB and an A++ financial strength rating from AM Best – the highest rating possible.
In addition to standard auto insurance coverages, Geico provides extras like roadside assistance, rental car reimbursement, and mechanical breakdown insurance. You can also get rideshare insurance in some states, and Geico’s newly released usage-based insurance program is gradually spreading across the U.S.
On top of all of that, Geico insures collector vehicles, so the company may be a good option for you if you’re considering Chubb auto insurance for your collector car. We recommend getting a quote from both Geico and Chubb to compare your options.
Read more in our full review of Geico insurance.
Progressive: Best For High-Risk Drivers
Another top auto insurance company, we like Progressive car insurance for its wide variety of coverage options and convenient Name Your Price® tool. Progressive wrote over $31 billion in premiums in 2019 according to the NAIC. It has an A+ financial strength rating from AM Best.
Beyond standard coverage, you can get roadside assistance, rental car reimbursement, loan/lease payoff, custom parts and equipment coverage, and rideshare coverage with Progressive car insurance. Progressive’s usage-based insurance program Snapshot was one of the first in the industry, and it allows you to pay based on how you drive and how much you drive.
If you decide to reach out for a quote, make sure to take advantage of the Name Your Price tool. It doesn’t save you money, but it does quickly find you a plan that fits your budget.
Read more in our full review of Progressive insurance.
Get Free Quotes
Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.