Chubb vs. AAA Insurance

Which insurance provider is right for you? Compare products, premiums, and quotes from Chubb and AAA.

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Chubb vs. AAA: What You Need to Know

In 1882, Thomas Caldecot Chubb and his son Percy, founded Chubb & Son in New York City selling with marine insurance. In 1901, Percy organized the Federal Insurance Company, writing marine insurance and expanded into fire two years later. The company acquired control of U.S Guarantee Company in 1921 and they opened their first branch outside the U.S in Montreal, Canada in 1928. In the year 1967, the company changed its name to Chubb Corporation and at the same time, they acquired the Pacific Indemnity Companies. In 1984 Chubb was listed on the New York Stock Exchange and their business expanded overseas by 1990. In 2012, after Superstorm Sandy, Chubb settled the highest number of claims in the company's history. Ace Limited and Chubb became one company and adopted the Chubb name by 2016. Today, Chubb is the world’s largest publicly traded P&C insurance company and the largest commercial insurer in the U.S, operating in 54 countries and provides property and casualty insurance to businesses and individuals, including personal products such as auto, home, travel, natural disasters, valuables, boats & yachts, cyber and life & health protection.

On March 4, 1902, nine automobile clubs joined together to form the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Chubb Overview and Auto Club Group Overview.

Chubb vs. Auto Club Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Chubb and Auto Club Group. On average, Chubb charges approximately $171.93 per month while Auto Club Group comes in at around $341.65 per month. For Chubb, the cheapest state average is Michigan at $152.09 per month and the most expensive is New York at $271.81 per month. For Auto Club Group, the cheapest state average is Illinois at $274.13 per month and the most expensive is Michigan at $395.09 per month.

Chubb

Average Rate

$171.93
Auto Club Group

Average Rate

$341.65
National

Average Rate

$133.56
State Chubb Auto Club Group
Illinois- $274.13
Michigan $152.09 $395.09
New York $271.81 -
Pennsylvania $211.62 -
Texas $220.60 -
Washington $152.24 -

Chubb vs. Auto Club Group: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Chubb and Auto Club Group typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Chubb Auto Club Group
1 Vehicle $160.92 $339.32
2 Vehicles $303.12 $

Chubb vs. Auto Club Group: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Chubb charges $160.35 per month and Auto Club Group charges $252.77 per month for customers who own their home.

Own/Rent Chubb Auto Club Group
Own $160.35 $252.77
Rent $174.95 $370.09

What is Chubb and AAA Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Chubb and AAA ranked among the industry ratings.

Comparison Chubb AAA
Year Founded 1882 1902
Market Share 2.95%
BBB A+
Financial Strength Excellent Excellent
Fitch Rating AA
Moody’s Rating Aa3
NAIC Complaint Index 0.46 0.53
S&P Rating AA A+

Chubb or AAA: Insurance Products Offered

What coverage is available through Chubb and AAA? Both insurance companies offer Auto, Commercial, Home, and RV Insurance. Additional products from AAA insurance also includes Life and Renters Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Chubb and Auto Club Group Insurance page.

Insurance Chubb AAA
Auto Insurance
Commercial Insurance
Home Insurance
Life Insurance
Renters Insurance
RV Insurance

Chubb or AAA: Ways To Save

AAA offers a wide range of discounts to its policyholders, including Good Student, Loyalty, and Multi-policy discounts. Chubb also offers a few discounts that AAA doesn’t including Defensive Driving, College Graduate, and Anti-theft discounts. Start taking advantage of discounts offered by insurance providers like AAA and Chubb insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

ChubbAAA
Accident-Free DiscountGood Driver Discount
Airbag DiscountGood Student Discount
Anti-lock Braking System DiscountLoyalty Discount
Anti-theft DiscountMulti-policy Discount
College Graduate DiscountMulti-vehicle Discount
Defensive Driving DiscountVerified Mileage Discount
Good Student Discount
Multi-Vehicle Discount

Pros & Cons of Chubb & AAA

Pros

Chubb
  • Industry-leading claims and risk engineering services.
  • Efficiency in paying claims and solid reputation.
  • Multi-policy discounts and credits available.
  • High level of expertise.
AAA
  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.

Cons

Chubb
  • Higher than the average rates, since it’s a premier carrier.
AAA
  • The annual fee for membership.
  • Membership required to buy car insurance.

Chubb or AAA Mobile Apps Options

The Chubb Mobile app is available for android and iPhones and iPads. The app features fingerprint and facial login to a dashboard where you can manage payments, download ID cards, submit claims, check the agent information and more.

On March 4, 1902, nine automobile clubs joined together to form the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of 13,000 facilities. Members can call or use the AAA Roadside or CAA Roadside app for android or iPhone to get help.

Chubb Mobile App
iOS      3.3 14 user reviews
Android      2.3 6 user reviews
AAA Mobile App
iOS      4.6 6.4K user reviews
Android      4.3 4,061 user reviews

Chubb & AAA Contact Info

Chubb Contact Info
Address 15 Mountainview Rd, Warren, NJ 07059
Phone (908) 903-2000
Website https://www.chubb.com/us-en/
Facebook https://www.facebook.com/ChubbInsurance/
Youtube https://www.youtube.com/channel
Linkedin https://www.linkedin.com/company/chubb/
AAA Contact Info
Address 1225 Freeport Pkwy, Coppell, TX 75019, US
Phone 1-877-387-8378
Website https://www.aaa.com/
Facebook https://www.facebook.com/AAAFanPage/
Youtube https://www.youtube.com/user/AAA
Twitter https://twitter.com/AAA4lyfe
Linkedin https://www.linkedin.com/company/aaa/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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