Chubb vs. Country Insurance

Which insurance company is right for you? Compare rates, ratings, and quotes from Chubb and Country.

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Chubb vs. Country: 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.

Country Financial is a group of US insurance and financial services companies available in 19 states in the U.S. Their history began in 1925, when a group of Agricultural Association members from Illinois formed a company, Country Mutual Insurance, selling fire and lightning insurance. In the following four years, new products were included in their portfolios, such as crop hail and farm insurance, auto and life insurance. By 1953, Country Preferred Insurance Company was incorporated and in 1965 another company, Country Capital Management, was formed as a registered broker dealer, allowing them to offer securities products, mutual funds, variable annuities, variable life insurance and 529 College Savings Plans. In 1997, based on their principle of putting people first, the cliente service center became available 24 hours a day. The company adopted the name Country Financial in 2008, to better describe their vision of being “The Best Provider of Financial Security in America.” Country Life Insurance Company®, Country Mutual Insurance Company® and its respective subsidiaries, are located in Bloomington, IL. Today, Country Financial serves about one million households and businesses throughout the United States and offers a range of insurance and financial products, including auto, home, life, health, commercial, farm & ranch and crop insurance, and retirement planning, education funding, annuities and planning services.

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 Country Overview.

Chubb vs. Country: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Chubb and Country. On average, Chubb charges approximately $176.27 per month while Country comes in at around $147.57 per month. For Chubb, the cheapest state average is Washington at $154.14 per month and the most expensive is New York at $269.81 per month. For Country, the cheapest state average is Nevada at $135.97 per month and the most expensive is Arizona at $193.95 per month.

Chubb

Average Rate

$176.27
Country

Average Rate

$147.57
National

Average Rate

$133.56
State Chubb Country
Arizona- $193.95
Georgia- $162.40
Michigan $156.70 -
Nevada- $135.97
New York $269.81 -
Pennsylvania $222.56 -
Tennessee $227.37 -
Texas $216.92 -
Washington $154.14 -

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

Number of Vehicles Chubb Country
1 Vehicle $165.30 $129.42
2 Vehicles $309.90 $211.60

Chubb vs. Country: 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 $156.17 per month and Country charges $184.86 per month for customers who own their home.

Own/Rent Chubb Country
Own $156.17 $184.86
Rent $181.78 $127.60

What is Chubb and Country Insurance Rating?

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

Comparison Chubb Country
Year Founded 1882 1925
Market Share 2.95% 0.49%
Financial Strength Excellent Excellent
Fitch Rating AA
Moody’s Rating Aa3
NAIC Complaint Index 0.46 0.22
S&P Rating AA

Chubb or Country: Insurance Products Offered

What coverage is available through Chubb and Country? Both insurance companies offer Auto, Commercial, Home, and RV Insurance. Additional products from Country insurance also includes Condo, Farm, Health, Life, Motorcycle, Pet, 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 Country Insurance page.

Insurance Chubb Country
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance

Chubb or Country: Ways To Save

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

Chubb Country
Accident-Free Discount Advance Quote Discount
Airbag Discount Anti-theft Discount
Anti-lock Braking System Discount College Graduate Discount
Anti-theft Discount Defensive Driver Discount
College Graduate Discount Discounts for Teens
Defensive Driving Discount Engaged Couple Discount
Good Student Discount Good Driver Discount
Multi-Vehicle Discount Good Student
Legacy Discount
Multi-car Discount
Multi-policy Discount
Occupation Discount

Pros & Cons of Chubb & Country

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.
Country
  • Variety of coverage options.
  • Flexible billing options.
  • Unique discounts, like being engaged, having certain occupations (full-time K–12 teachers, firefighters, police officers, EMTs or paramedics) and also for teen drives.

Cons

Chubb
  • Higher than the average rates, since it’s a premier carrier.
Country
  • It doesn’t reward loyal customers.

Chubb or Country 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 Country Financial Mobile app is available for android and iPhones and iPads. The app provides a dashboard where you can manage your bill, view the status of your claims, update the contact info, manage your notifications, obtain your policy documents and view your insurance card...

Chubb Mobile App
iOS     3.314 user reviews
Android     2.36 user reviews
Country Mobile App
iOS     4.540 user reviews
Android     4.135 user reviews

Chubb & Country 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/
Country Contact Info
Address 1701 N Towanda Ave, Bloomington, IL 61701-2057
Phone 1 (866) 268-6879
Website https://www.countryfinancial.com
Facebook https://www.facebook.com/countryfinancial/
Youtube https://www.youtube.com/user/COUNTRYFinancial
Linkedin https://www.linkedin.com/company/country-financial-/

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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