Chubb vs. Cincinnati Insurance

Which insurance carrier is right for you? Compare price, insights, and quotes from Chubb and Cincinnati.

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Chubb vs. Cincinnati: 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.

With an A+ rating from the BBB, Cincinnati Insurance Company has been serving its customers since 1950. The Cincinnati Insurance company was founded in 1950 by four independent agents, two of whom were brothers, John Jack Schiff and Robert Cleveland Schiff. The company operates in 13 states through nearly 1,000 selected independent agencies.

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 Cincinnati Insurance Overview.

Chubb vs. Cincinnati Insurance: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Chubb and Cincinnati Insurance. On average, Chubb charges approximately $178.68 per month while Cincinnati Insurance comes in at around $229.65 per month. For Chubb, the cheapest state average is Washington at $158.75 per month and the most expensive is Pennsylvania at $282.67 per month. For Cincinnati Insurance, the cheapest state average is Tennessee at $209.27 per month and the most expensive is Tennessee at $209.27 per month.

Chubb

Average Rate

$178.68
Cincinnati Insurance

Average Rate

$229.65
National

Average Rate

$133.56
State Chubb Cincinnati Insurance
Michigan $160.47 -
New York $266.87 -
Pennsylvania $282.67 -
Tennessee $217.72 $209.27
Texas $217.41 -
Washington $158.75 -

Chubb vs. Cincinnati Insurance: 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 Cincinnati Insurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Chubb Cincinnati Insurance
1 Vehicle $163.37 $237.76
2 Vehicles $364.45 $

Chubb vs. Cincinnati Insurance: 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 $160.60 per month and Cincinnati Insurance charges $167.64 per month for customers who own their home.

Own/Rent Chubb Cincinnati Insurance
Own $160.60 $167.64
Rent $183.72 $254.92

What is Chubb and Cincinnati Insurance Rating?

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

Comparison Chubb Cincinnati
Year Founded 1882 1950
Market Share 2.95%
BBB Rating A+
Financial Strength Excellent Excellent
Fitch Rating AA
Moody's Rating A1
Moody’s Rating Aa3
NAIC Complaint Index 0.46 0.22
S&P Rating AA A+

Chubb or Cincinnati: Insurance Products Offered

What coverage is available through Chubb and Cincinnati? Both insurance companies offer Auto,and Home Insurance. Additional products from Chubb insurance also includes , Commercial, Life, RV, and Umbrella 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 Cincinnati Insurance Insurance page.

Insurance Chubb Cincinnati
Auto Insurance
Commercial Insurance
Home Insurance
Life Insurance
RV Insurance
Umbrella Insurance

Chubb or Cincinnati: Ways To Save

Chubb offers a wide range of discounts to its policyholders, including Airbag, Anti-lock Braking System, and Anti-theft discounts. Cincinnati also offers a few discounts that Chubb doesn’t including Good Claim History and Healthy Living Discount. Start taking advantage of discounts offered by insurance providers like Cincinnati and Chubb insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Chubb Cincinnati
Accident-Free Discount Good Claim History Discount
Airbag Discount Good Student Discount
Anti-lock Braking System Discount Healthy Living Discount (Life Insurance)
Anti-theft Discount High Deductible Discount
College Graduate Discount Multi-car Policy Discount
Defensive Driving Discount Multi-policy Discount
Good Student Discount New Home Discount
Multi-Vehicle Discount Safety Equipment Discount (Auto, Home, Business)
Safety Features Discount

Pros & Cons of Chubb & Cincinnati

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.
Cincinnati
  • Cincinnati Insurance Company is dedicated to superior customer service.
  • Cincinnati has the highest ratings for financial strength.
  • For antique or collector car owners whose cars are less than 25 years old, Cincinnati Insurance is the best of very few options out there.

Cons

Chubb
  • Higher than the average rates, since it’s a premier carrier.
Cincinnati
  • Cincinnati Insurance Company only operates in 13 states.

Chubb or Cincinnati 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.

The Cincinnati Insurance Mobile app is available for android and iPhones and iPads. This insurance tool is where you can manage payments, view auto policy information, download ID cards, submit glass claims, request roadside services and more.

Chubb Mobile App
iOS      3.3 14 user reviews
Android      2.3 6 user reviews
Cincinnati Mobile App
iOS      4.6 5 user reviews
Android      3.1 11 user reviews

Chubb & Cincinnati 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/
Cincinnati Contact Info
Address 600 S. Gilmore Road, Fairfield, OH 45014-5141
Phone (888) 242-8811
Website https://www.cinfin.com/
Facebook https://www.facebook.com/CincinnatiInsurance/
Youtube https://www.youtube.com/channel/UCrqm2BGqGoKndbr6D8oRlcg
Linkedin https://www.linkedin.com/company/the-cincinnati-insurance-companies/

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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