State Auto vs. Chubb Insurance

Which insurance provider is right for you? Compare price, ratings, and quotes from State Auto and Chubb.

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State Auto vs. Chubb: What You Need to Know

In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.

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 State Auto Overview and Chubb Overview.

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

Below is a list of the average rates that drivers typically pay with State Auto and Chubb. On average, State Auto charges approximately $203.81 per month while Chubb comes in at around $199.32 per month. For State Auto, the cheapest state average is North Dakota at $122.87 per month and the most expensive is Texas at $258.06 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.

State Auto

Average Rate

$203.81
Chubb

Average Rate

$199.32
National

Average Rate

$117.77
State State Auto Chubb
Alabama $164.41 -
Illinois $203.58 -
Indiana $228.89 -
Kentucky $191.72 -
Maryland $253.07 -
Michigan- $188.65
New York- $305.08
North Dakota $122.87 -
Ohio $148.65 -
Pennsylvania $196.80 $191.76
South Carolina $170.09 -
Tennessee $166.18 $133.74
Texas $258.06 $179.28
Utah $208.31 -
Virginia- $142.14
Washington- $113.74
Wisconsin $155.66 -

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

Number of Vehicles State Auto Chubb
1 Vehicle $192.93 $190.18
2 Vehicles $242.01 $233.22
3 Vehicles $414.95 $401.14

State 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 State Auto charges $189.62 per month and Chubb charges $181.12 per month for customers who own their home.

Own/Rent State Auto Chubb
Own $189.62 $181.12
Rent $212.03 $209.86

What is State Auto and Chubb Insurance Rating?

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

ComparisonState AutoChubb
Year Founded19211882
Market Share2.95%
A.M. Best RatingA+
BBB RatingA+
Financial StrengthExcellentExcellent
Fitch RatingAA
Moody’s RatingAa3
NAIC Complaint Index0.46
S&P RatingAA

State Auto or Chubb: Insurance Products Offered

What coverage is available through State Auto and Chubb? Both insurance companies offer Auto, Commercial, Home insurance. Additional products from State Auto insurance also includes Condo, Farm, RV, Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit State Auto and Chubb Insurance page.

InsuranceState AutoChubb
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
RV Insurance
Umbrella Insurance

State Auto 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. In contrast, State Auto also offers a few discounts that Chubb doesn’t, including State Auto Start-Up, State Auto Safety 360, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like Chubb and State Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

State AutoChubb
Accident Prevention CourseAccident-Free Discount
Anti-theft Device DiscountAirbag Discount
Driver TrainingAnti-lock Braking System Discount
Good Student DiscountAnti-theft Discount
Multi-car DiscountCollege Graduate Discount
Multi-policy DiscountDefensive Driving Discount
Paid in Full DiscountGood Student Discount
State Auto Safety 360Multi-Vehicle Discount
State Auto Start-Up

Pros & Cons of State Auto & Chubb

Pros

State Auto
  • State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.
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

State Auto
  • The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
  • Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, and Wisconsin.
Chubb
  • Higher than the average rates, since it’s a premier carrier.

State Auto or Chubb Mobile Apps Options

The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.

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.

State Auto Mobile App
iOS     1.817 user reviews
Android     2.325 user reviews
Chubb Mobile App
iOS     3.314 user reviews
Android     2.36 user reviews

State Auto & Chubb Contact Info

State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-insurance
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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