Sentry vs. Chubb Insurance

Which insurance provider is right for you? Compare products, rates, and quotes from Sentry and Chubb.

Compare Car Insurance Rates in Your Area

Sentry vs. Chubb: What You Need to Know

Sentry insurance specializes in business insurance and its subsidiary, Dairyland, sells high-risk car insurance, which includes SR-22 and FR-44 filings.

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 Sentry Overview and Chubb Overview.

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

Below is a list of the average rates that drivers typically pay with Sentry and Chubb. On average, Sentry charges approximately $261.27 per month while Chubb comes in at around $199.32 per month. For Sentry, the cheapest state average is Idaho at $150.22 per month and the most expensive is Delaware at $480.43 per month. For Chubb, the cheapest state average is Washington at $113.74 per month and the most expensive is New York at $305.08 per month.

Sentry

Average Rate

$261.27
Chubb

Average Rate

$199.32
National

Average Rate

$117.62
State Sentry Chubb
Arkansas $247.64 -
Delaware $480.43 -
Idaho $150.22 -
Iowa $153.57 -
Michigan- $188.65
New York- $305.08
Oregon $267.46 -
Pennsylvania $314.20 $191.76
Tennessee- $133.74
Texas- $179.28
Virginia- $142.14
Washington $230.39 $113.74
West Virginia $327.43 -
Wisconsin $182.92 -

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

Number of Vehicles Sentry Chubb
1 Vehicle $249.09 $190.18
2 Vehicles $300.46 $233.22
3 Vehicles $ $401.14

Sentry 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 Sentry charges $247.38 per month and Chubb charges $181.12 per month for customers who own their home.

Own/Rent Sentry Chubb
Own $247.38 $181.12
Rent $270.11 $209.86

What is Sentry and Chubb Insurance Rating?

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

ComparisonSentryChubb
Year Founded19041882
Market Share2.95%
A.M. Best RatingA+
BBB RatingA+
Financial StrengthExcellentExcellent
Fitch RatingAA
Moody’s RatingAa3
NAIC Complaint Index0.46
S&P RatingAA

Sentry or Chubb: Insurance Products Offered

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

InsuranceSentryChubb
Auto Insurance
Commercial Insurance
Home Insurance
Life Insurance
RV Insurance
SR22/FR44

Sentry or Chubb: Ways To Save

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

SentryChubb
Driving Course DiscountsAccident-Free Discount
Homeowners DiscountAirbag Discount
Multi-vehicle DiscountAnti-lock Braking System Discount
Payment Frequency DiscountsAnti-theft Discount
Transfer DiscountCollege Graduate Discount
Vehicle Safety Feature DiscountsDefensive Driving Discount
Good Student Discount
Multi-Vehicle Discount

Pros & Cons of Sentry & Chubb

Pros

Sentry
  • Sentry offers a comprehensive suite of business insurance products.
  • Sentry offers high-risk insurance through Dairyland Insurance.
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

Sentry
  • Sentry does not offer basic car insurance to the average driver, only high-risk drivers through Dairyland and auto insurance for business fleets and cars.
Chubb
  • Higher than the average rates, since it’s a premier carrier.

Sentry or Chubb Mobile Apps Options

The Sentry Mobile parking app is available for iOS and Android. The app interacts with your parking meter in real-time and lets you buy time on an MPS parking meter. You can also access a map of nearby meters and parking space availability.

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.

Sentry Mobile App
iOS     2.75 user reviews
Android     3.18 user reviews
Chubb Mobile App
iOS     3.314 user reviews
Android     2.36 user reviews

Sentry & Chubb Contact Info

Sentry Contact Info
Address1800 North Point Drive, Stevens Point, WI 54481
Phone1 (800) 473-6879
Websitehttps://www.sentry.com/
Facebookhttps://www.facebook.com/SentryInsurance/
Twitterhttps://twitter.com/SentryInsurance
Youtubehttps://www.youtube.com/channel/UC8e_0-7XichFIuDa-JI54gQ
Linkedinhttps://www.linkedin.com/company/sentry/
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.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.