Esurance vs. Chubb Insurance

Which insurance carrier is right for you? Compare price, pros & cons, and quotes from Esurance and Chubb.

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Esurance vs. Chubb: What You Need to Know

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace found Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

In 1882, Thomas Caldecot Chubb and his son Percy, founded Chubb & Son inNew York City selling with marine insurance. In 1901, Percy organized theFederal Insurance Company, writing marine insurance and expanded into fire two years later. The company acquired control of U.S Guarantee Company in1921 and they opened their first branch outside the U.S in Montreal, Canadain 1928. In the year 1967, the company changed its name to ChubbCorporation and at the same time, they acquired the Pacific IndemnityCompanies. 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.

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

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

Below is a list of the average rates that drivers typically pay with Esurance and Chubb. On average, Esurance charges approximately $250.10 per month while Chubb comes in at around $222.84 per month. For Esurance, the cheapest state average is Utah at $125.87 per month and the most expensive is New York at $501.74 per month. For Chubb, the cheapest state average is Washington at $119.00 per month and the most expensive is New York at $342.51 per month.

Esurance

Average Rate

$250.10
Chubb

Average Rate

$222.84
National

Average Rate

$120.03
State Esurance Chubb
Arizona $159.82 -
California $143.43 -
Colorado $172.16 -
Illinois $138.94 -
Maryland $353.27 -
Michigan $272.30 $185.10
New Jersey $239.29 -
New York $501.74 $342.51
Pennsylvania $204.50 $221.03
Tennessee- $141.30
Texas $194.72 $190.07
Utah $125.87 -
Virginia- $145.15
Washington- $119.00

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

Number of Vehicles Esurance Chubb
1 Vehicle $242.99 $214.60
2 Vehicles $278.16 $255.21
3 Vehicles $446.48 $348.91
4 Vehicles $526.36 $387.06

Esurance vs. Chubb: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $216.90 per month and Chubb charges $196.18 per month for customers who own their home.

Own/Rent Esurance Chubb
Own $216.90 $196.18
Rent $262.91 $234.03

What is Esurance and Chubb Insurance Rating?

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

ComparisonEsuranceChubb
Year Founded19991882
Market Share2.95%
A.M. Best RatingA+
BBB RatingA-
Financial StrengthAbove AverageExcellent
Fitch RatingAA
Moody’s RatingAa3
NAIC Complaint Index0.46
NAIC Complaint Ratio1.14
S&P RatingAA-AA

Esurance or Chubb: Insurance Products Offered

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

InsuranceEsuranceChubb
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Esurance or Chubb: Ways To Save

Chubb offers a wide range of discounts to its policyholders, including Airbag, Anti-lock Braking System, and Anti-theft discounts. Whereas, Esurance also offers a few discounts that Chubb doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Chubb and Esurance insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EsuranceChubb
Anti-lock Brakes DiscountAccident-Free Discount
Anti-theft DiscountAirbag Discount
Claim-free DiscountAnti-lock Braking System Discount
Defensive Driver DiscountAnti-theft Discount
Emergency Road Assistance DiscountCollege Graduate Discount
Fast 5 Discount®Defensive Driving Discount
Good Driver DiscountGood Student Discount
Good Student DiscountMulti-Vehicle Discount
Homeowners Discount
Multi-car Discount
Multi-policy Discount
Online Shopper® Discount
Paid-in-full Discount
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Esurance & Chubb

Pros

Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.
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.

Cons

Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico
Chubb
  • Higher than the average rates, since it’s a premier carrier.

Esurance or Chubb Mobile Apps Options

The Esurance mobile app is available for iOS and Android.

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.

Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews
Chubb Mobile App
iOS     3.314 user reviews
Android     2.36 user reviews

Esurance & Chubb Contact Info

Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/
Chubb Contact Info
Address15 Mountainview Rd, Warren, NJ 07059
Phone(908) 903-2000
Websitehttps://www.chubb.com/us-en/
Facebookhttps://www.facebook.com/ChubbInsurance/
Youtubehttps://www.youtube.com/channel
Linkedinhttps://www.linkedin.com/company/chubb/

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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