Chubb vs. Westfield Insurance

Which insurance company is right for you? Compare insights, products, and quotes from Chubb and Westfield.

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Chubb vs. Westfield: 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.

Headquartered in Westfield Center, Ohio, Westfield Insurance has been in business for nearly 170 years and is ranked amongst the 50 largest property and casualty insurers in the country. Over 900 independent insurance agencies represent Westfield insurance across the country. Westfield Insurance provides commercial insurance in 21 states and personal insurance in 10. They also offer surety services in all 50 states. In 2014, the company was named as a Top Workplace in Northeast Ohio. In 2015, it was named Top Workplace in central Ohio. Westfield Services provides service and training support for independent insurance agencies. Westfield Bank is a subsidiary of Westfield Insurance and offers services to businesses and individuals.

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 Westfield Overview.

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

Below is a list of the average rates that drivers typically pay with Chubb and Westfield. On average, Chubb charges approximately $222.02 per month while Westfield comes in at around $208.35 per month. For Chubb, the cheapest state average is Washington at $119.11 per month and the most expensive is New York at $342.84 per month. For Westfield, the cheapest state average is Indiana at $105.94 per month and the most expensive is Michigan at $339.15 per month.

Chubb

Average Rate

$222.02
Westfield

Average Rate

$208.35
National

Average Rate

$120.03
State Chubb Westfield
Indiana- $105.94
Kentucky- $143.51
Michigan $178.59 $339.15
New York $342.84 -
Ohio- $114.62
Pennsylvania $220.23 -
Tennessee $141.31 $147.12
Texas $191.05 -
Virginia $145.77 -
Washington $119.11 -
West Virginia- $144.03

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

Number of Vehicles Chubb Westfield
1 Vehicle $213.81 $196.19
2 Vehicles $255.16 $257.22
3 Vehicles $340.60 $361.02
4 Vehicles $387.06 $

Chubb vs. Westfield: 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 $195.48 per month and Westfield charges $212.00 per month for customers who own their home.

Own/Rent Chubb Westfield
Own $195.48 $212.00
Rent $233.02 $206.52

What is Chubb and Westfield Insurance Rating?

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

Comparison Chubb Westfield
Year Founded 1882 1864
Market Share 2.95%
A.M. Best A
BBB Rating A+
Financial Strength Excellent Excellent
Fitch Rating AA
Moody’s Rating Aa3
NAIC Complaint Index 0.46 9.62
S&P Rating AA

Chubb or Westfield: Insurance Products Offered

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

Insurance Chubb Westfield
Auto Insurance
Commercial Insurance
Home Insurance
Motorcycle Insurance
RV Insurance

Chubb or Westfield: Ways To Save

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

ChubbWestfield
Accident-Free DiscountAccount Relationship Discount
Airbag DiscountCompanion Car Discount
Anti-lock Braking System DiscountCompany Car Discount
Anti-theft DiscountDefensive Driver Discount
College Graduate DiscountFamily Discount
Defensive Driving DiscountGood Student Discount
Good Student DiscountLoss-free Discount
Multi-Vehicle DiscountLoyalty Discount
Multi-Policy Discount
Next Generation Discount
Prior Carrier Discount

Pros & Cons of Chubb & Westfield

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.
Westfield
  • The company boasts more than $4.9 billion in consolidated assets
  • The company is one of the top 50 largest insurers in the country
  • Westfield Insurance has been in business for over 170 years.

Cons

Chubb
  • Higher than the average rates, since it’s a premier carrier.
Westfield
  • A high number of complaints by consumers.
  • Car insurance is only available in ten states: Minnesota, Wisconsin, Ohio, Iowa, Illinois, Indiana, Pennsylvania, West Virginia, Kentucky, and Tennessee.

Chubb or Westfield 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.

Westfield does not currently have a mobile app.

Chubb Mobile App
iOS      3.3 14 user reviews
Android      2.3 6 user reviews

Chubb & Westfield 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/
Westfield Contact Info
Address One Park Circle, Westfield Center, OH 44251
Phone 1 (800) 243-0210
Website https://www.westfieldinsurance.com/
Facebook https://www.facebook.com/Westfield1848/
Linkedin https://www.linkedin.com/company/westfield1848
Youtube https://www.youtube.com/watch?v=b2rW8nBValk

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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