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Chubb Car Insurance

Smart Score

84

Industry Average: 75

Smart Score

84
/100

Industry Average: 75

Customer Service

8.3
/10

Industry Average: 7.7

Claims Process

9.2
/10

Industry Average: 8

Value for Price

7.5
/10

Industry Average: 7

Chubb Overview

Chubb Insurance is one of the older insurance companies in the US market, with a history stretching back to 1882. The company has undergone many changes, but it is currently one of the largest publicly traded property and casualty insurers in the world, operating in 54 countries. Chubb auto insurance offers some of the most robust coverage out there, especially if you're insuring a Jaguar, Mercedes Benz, Audi, or another high-end vehicle. The Masterpiece auto insurance coverage offered by Chubb is designed with the luxury vehicle owner in mind. With a plethora of perks, extensive coverage, and benefits that extend worldwide, it’s easy to see why the company has a devoted customer base.

Lines of Business:

Chubb Ratings Breakdown

Smart Score

84

Chubb: 84
Industry Average: 75
Chubb: 84
Industry Average: 75

Why our Smart Score matters

Chubb’s Smart Score of 84 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Chubb’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 84, Chubb rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

8.3

Chubb: 8.3
Industry Average: 7.7
Chubb: 8.3
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Chubb’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Chubb’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Chubb’s service score of 8.3, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.2

Chubb: 9.2
Industry Average: 8
Chubb: 9.2
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Chubb. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Chubb handles it.


Chubb’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Chubb.


What does this mean for you?

Evident from a claims score of 9.2, Chubb has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources vary a bit. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 8 and 10.4. With those moderate bounds, we’re pretty confident about the accuracy of their 9.2 rating.

Value for Price

7.5

Chubb: 7.5
Industry Average: 7
Chubb: 7.5
Industry Average: 7

Chubb’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Chubb comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Chubb’s value for price score of 7.5 is excellent compared to the average of 7 from other auto insurance companies.

The ratings between sources vary a bit. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 6.1 and 8.9. With those moderate bounds, we’re pretty confident about the accuracy of their rating.

Chubb Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Chubb has than average. With an index of 0.26 Chubb is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Chubb has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Chubb has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.26 Chubb is better than average.

Customer Reviews

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Out of 5

0 Reviews

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100%

of customers would reccomend this company to a friend

2 customer reviews

Laura Alford

Auto Customer

Compare with other insurance companies save big insurance amount. Lot of plans, coverage, full coverage, liability, comprehensive, collision coverage use of auto insurance. Easily get customer service and anytime. underwriting has aligned with only those carriers committed to the commercial auto space. will work diligently to match our insureds with the best fit for their needs.

Price Value: 4

Claim Satisfaction: 3

Customer Service: 4

Recommend: yes

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Ernest Arredondo

Auto Customer

Chubb insurance is one of the best insurance, Chubb insurance is affordable and I found the insurance very interesting ever since have been with them. I used to get my friends to go for this insurance company because of various benefits they offer. I have never regret for once that I chose this company

Price Value: 4

Claim Satisfaction: 4

Customer Service: 4

Recommend: yes

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Chubb Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Chubb

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Original Equipment Manufacturer Coverage

Helps ensure aftermarket parts will not be used when repairs are made to your vehicle

Antique or Collector Car Insurance

Special insurance for antique and collectors cars.

Chubb availability in these states

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