Chubb Auto Insurance Review 2023

Georgia Rose
By Georgia Rose 

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Our Take


NerdWallet rating 

The bottom line:

Chubb insures mostly high-net-worth families and offers a number of policy perks.

Chubb Auto Insurance
NAIC complaints
Fewer than expected
Ease of use
Below average
Average set of discounts

Pros & Cons


  • Generous coverage and perks for high-end customers.
  • Received fewer complaints than expected for auto insurance.


  • Does not focus on providing cheap insurance.

Full Review

Chubb earned 4 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Chubb specializes in auto and other insurance for well-to-do customers. The company’s suite of products features generous coverage options and perks that aren’t usually available from other insurers.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

Where Chubb stands out

Perks and coverage options. Drivers insured with Chubb can take advantage of the company's unique benefits, including a lifetime guarantee on repairs made in a Chubb-certified shop.

Low customer complaints. Chubb has fewer customer complaints when compared to other companies of its size.

Where Chubb falls short

Discounts. Because Chubb caters to affluent customers, it doesn't concentrate on offering a long list of discounts. However, it does offer some ways to save, including bundling insurance products and insuring more than one vehicle.

Chubb auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

As a company that primarily serves high-net-worth families, Chubb doesn’t focus on cheap insurance or price breaks, but rather on white-glove perks, coverage and services.

Chubb’s Masterpiece auto insurance policy offers coverage found on a standard policy and extra features geared toward owners of expensive vehicles, including:

  • Generous rental reimbursement coverage. If you need to rent a car because yours is in the shop after an accident, you can rent a vehicle as nice as the one you normally drive. The coverage reimburses you up to $15,000 to rent a car, with no per-day limit.

  • Coverage for original equipment manufacturer parts. When your car needs repairs after an accident, Chubb’s collision and comprehensive insurance pays for parts made by your car’s manufacturer. Other insurers often pay only for aftermarket parts, which are made by companies other than the carmaker and are less expensive than original manufacturer parts.

  • Worldwide rental car coverage. A Chubb auto policy extends to damage to a rental car you drive anywhere in the world.

  • Removal of personal information. If your vehicle is totaled, Chubb will delete personal data stored in the car’s systems, such as GPS addresses, phone contacts and garage door opener codes.

  • Lifetime guarantee on repairs if your car is fixed in a Chubb-certified shop.

  • Lock and key replacement coverage with no deductible.

  • Identity management services are included with all auto policies from Chubb. If you suspect identity fraud or theft, Chubb will connect you with a fraud specialist to guide you through the resolution. This coverage includes help with filing police reports and other documentation, developing a case file and credit monitoring for a year.

Optional coverage from Chubb varies by state but may include the following:

  • Agreed value for collision and comprehensive insurance. If you choose this option, you and the company agree on what your car is worth when you buy the policy. If the car is stolen or totaled, Chubb reimburses you for that amount. With a standard policy from other insurers, you’re reimbursed for the market value of the car at the time of the incident, minus your deductible. This is an important feature for owners of collector cars. See NerdWallet’s analysis of the best classic car insurance.

  • Ultra-high insurance limits. You can choose up to $10 million in liability insurance and uninsured/underinsured motorist insurance.

Auto insurance discounts

With its focus on high-end customers, Chubb doesn’t emphasize discounts on its website. However, depending on the state you live in, Chubb may offer auto insurance discounts for:

  • Bundling your home and auto coverage.

  • Insuring more than one vehicle.

  • Completing driver training or an accident prevention course.

  • Having safety equipment like air bags, anti-lock brakes, daytime running lights or anti-theft devices.

  • Being a good student.

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.


Chubb had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Chubb auto insurance

Website: You can find an agent, report a claim and pay your bill online.

Apps: Chubb has several options for both Apple and Android devices.

  • Chubb Mobile is the company’s one-stop assistance app. Customers can pay bills, file claims and view their auto insurance ID cards.

  • Chubb’s Mobile Estimate app lets you get car repair estimates after an accident. You can take a photo of the damage and get a repair estimate through the app within a few hours. Chubb says some settlements are even finalized the same day.

  • Chubb Connect helps you connect to Wi-Fi hot spots worldwide and sends you travel alerts.

  • Cyber Alert lets you quickly report an online security breach.

Chubb homeowners insurance

Chubb’s Masterpiece homeowners policy offers features not found in most policies from other insurers, along with benefits targeting owners of expensive homes. To learn more, read our Chubb home insurance review.

Other insurance from Chubb

Other types of insurance from Chubb include:

  • Watercraft insurance.

  • Umbrella insurance.

  • Travel insurance.

  • Classic car insurance.

  • Valuable articles insurance.

  • Farm and ranch insurance.

  • Cyber insurance.

  • Natural disaster insurance.

  • Renters insurance.

  • Condo insurance.


Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a Chubb’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Auto insurance ratings methodologyNerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.