Safeauto vs. Chubb Insurance

Which insurance company is right for you? Compare discounts, price, and quotes from Safeauto and Chubb.

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Safeauto vs. Chubb: What You Need to Know

SafeAuto is an independently owned property and casualty car insurance carrier based in Columbus, Ohio. Since 1993, SafeAuto has been specializing in providing affordable, state-minimum auto insurance and full comprehensive and collision policies. SafeAuto provides a Certificate of Financial Responsibility (CFR) in the form of an SR22, SR22A or FR44 for customers who need to provide a CFR to a court or state government agency. The company also offers motorcycle, renters, homeowners, business, health, supplemental, dental, accident, life, mechanical repair insurance and more (see full list below). SafeAuto is a leader in direct-to-consumer, minimum-limit coverage across 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. The company has service call centers that are open at all hours, every day, including holidays. Customers can also access their insurance information easily using the SafeAuto Insurance Mobile App.

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.

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

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

Below is a list of the average rates that drivers typically pay with Safe Auto and Chubb. On average, Safe Auto charges approximately $329.83 per month while Chubb comes in at around $178.15 per month. For Safe Auto, the cheapest state average is Arizona at $250.67 per month and the most expensive is Texas at $372.61 per month. For Chubb, the cheapest state average is Washington at $158.22 per month and the most expensive is New York at $270.27 per month.

Safe Auto

Average Rate

$329.83
Chubb

Average Rate

$178.15
National

Average Rate

$133.56
State Safe Auto Chubb
Arizona $250.67 -
Illinois $269.94 -
Michigan- $159.43
New York- $270.27
Pennsylvania $284.20 $214.32
Texas $372.61 $220.00
Washington- $158.22

Safe Auto 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 Safe Auto and Chubb typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Safe Auto Chubb
1 Vehicle $293.22 $167.40
2 Vehicles $402.30 $305.80

Safe Auto 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 Safe Auto charges $325.74 per month and Chubb charges $150.68 per month for customers who own their home.

Own/Rent Safe Auto Chubb
Own $325.74 $150.68
Rent $333.55 $185.75

What is Safeauto and Chubb Insurance Rating?

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

Comparison Safeauto Chubb
Year Founded 1993 1882
Market Share 1.8% 2.95%
A.M Best Rating A-
BBB Rating A+
Financial Strength Excellent
Fitch Rating AA
Moody’s Rating Aa3
NAIC Complaint Index 1.74 0.46
S&P Rating AA

Safeauto or Chubb: Insurance Products Offered

What coverage is available through Safeauto and Chubb? Both insurance companies offer Auto, Commercial, and Home Insurance. Additional products from Safeauto insurance also includes Health, Life, Motorcycle, Renters, RV, and SR22/FR44 Insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Safe Auto and Chubb Insurance page.

Insurance Safeauto Chubb
Auto Insurance
Commercial Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
SR22/FR44

Safeauto or Chubb: Ways To Save

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

SafeautoChubb
Driver Improvement Course DiscountsAccident-Free Discount
Good Student DiscountAirbag Discount
Homeowner DiscountAnti-lock Braking System Discount
Multi-vehicle DiscountAnti-theft Discount
New Business TransferCollege Graduate Discount
Defensive Driving Discount
Good Student Discount
Multi-Vehicle Discount

Pros & Cons of Safeauto & Chubb

Pros

Safeauto
  • Affordable state-minimum car insurance.
  • R22, SR22A or FR44 as Certificate of Financial Responsibility available.
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

Safeauto
  • On average, premiums through SafeAuto cost more than some competitors.
Chubb
  • Higher than the average rates, since it’s a premier carrier.

Safeauto or Chubb Mobile Apps Options

The SafeAuto app is available for iOS and Android. This insurance concierge allows you to see your insurance information and pay premiums.

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.

Safeauto Mobile App
iOS     4.826.6K user reviews
Android     1.845 user reviews
Chubb Mobile App
iOS     3.314 user reviews
Android     2.36 user reviews

Safeauto & Chubb Contact Info

Safeauto Contact Info
Address4 Easton Oval, Columbus, Ohio 43219
Phone1 (614) 456-2940
Websitehttps://www.safeauto.com
Facebookhttps://www.facebook.com/SafeAuto/
Twitterhttps://twitter.com/safeauto
Youtubehttps://www.youtube.com/c/safeauto
Linkedinhttps://www.linkedin.com/company/safeauto-insurance-company/
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/user/ChubbInsurance
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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