Amica vs Chubb: which is better for car insurance in 2026?

Q: Is Amica or Chubb cheaper?

On average, Chubb. Our benchmark profile pays $2,676/yr with Chubb versus $3,167/yr with Amica — roughly $491 a year. But that is one profile: a 35-year-old with a clean record and good credit. Change the driver and the order can flip, which is why the only rate that matters is the one you are quoted.

Q: Which handles claims better, Amica or Chubb?

Neither has a clear edge. Amica scores 718/1,000 and Chubb Not rated on the claims measure we use — close enough that the individual adjuster you draw matters more than the company average.

Q: Is Amica better than Chubb overall?

Amica scores higher overall in our review — 3.7 against 3.0 out of 5. "Better" still depends on you, though: Chubb may quote you less, and our score weights six factors that we chose, not the ones you might weight most.

Q: Can I switch from Amica to Chubb mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

Amica

Chubb

Across our six scoring categories, Amica comes out ahead in 2, Chubb in 1, with 3 too close to call. Amica edges the weighted overall score by 0.7 of a point, on the strength of discounts, digital experience. That is not a reason to skip Chubb: it scores higher on price, and a quote that comes in lower beats a review that scores higher. Amica is the safer default; Chubb is worth a quote if you are among high-net-worth drivers insuring a luxury or collector car.

Amica vs Chubb, side by side

Category

AmicaRead the full review

ChubbRead the full review

Overall scoreWeighted across the six categories below

Better

PriceAverage annual full-coverage premium · 25% of score

2.0$3,167/yr

Average full coverage vs. $2,356 national average

2.5$2,676/yr

Average full coverage vs. $2,356 national average

Better

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

4.0718/1,000

J.D. Power 2025 claims study, segment average 700

Not rated

Below the sampling frame of the J.D. Power claims study, which covers only the largest insurers

Complaint recordComplaints relative to company size · 15% of score

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Financial strengthAM Best Financial Strength Rating · 10% of score

4.5A+

AM Best Financial Strength Rating

Not published

No AM Best rating we could verify — see the review

DiscountsBreadth of published discounts · 15% of score

5.017 published

Discounts on the carrier's own pages · Telematics: StreetSmart

Better

2.50 published

Discounts on the carrier's own pages · No branded telematics program found

Digital experienceApp ratings and self-service depth · 15% of score

3.54.82 iOS / 3.2 Android

App Store (7.9K ratings) and Google Play (762 ratings), August 2026

Better

3.04.53 iOS / 3.6 Android

App Store (306 ratings) and Google Play (207 ratings), August 2026

Availability

49 states and D.C. — not available in Hawaii

49 states and D.C. — Arkansas is the only omission

Best suited to

drivers who will pay more for service and expect to file claims

high-net-worth drivers insuring a luxury or collector car

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Amica vs Chubb across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

AmicaChubb

Category by category

Price

Chubb ahead

Chubb averages $2,676/yr for full coverage against Amica's $3,167/yr — about $491 a year, or 40.9 dollars a month, in Chubb's favor for this profile.

Amica

$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.

Chubb

$2,676 a year for full coverage on our standard benchmark, 14% above the national average — though Chubb's real book is valuable vehicles, not the Camry we benchmark with.

Claims satisfaction

Too close to call

Neither pulls ahead on claims satisfaction: Amica posts 718/1,000 and Chubb Not rated, a difference too small to choose on.

Amica

718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.

Chubb

Not in the J.D. Power claims study, which samples only the largest insurers.

Complaint record

Too close to call

Neither pulls ahead on complaint record: Amica posts Fewer than expected and Chubb Fewer than expected, a difference too small to choose on.

Amica

Fewer complaints than expected for its size.

Chubb

Fewer complaints than expected for its size.

Financial strength

Too close to call

Neither pulls ahead on financial strength: Amica posts A+ and Chubb Not published, a difference too small to choose on.

Amica

AM Best A+ (Superior), affirmed March 2026.

Chubb

An A++ rating for the Chubb group circulates widely and is very likely current, but AM Best and Business Wire both block automated access, so we could not read it from a primary page.

Discounts

Amica ahead

Amica takes discounts on 17 published against Chubb's 0 published.

Amica

Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.

Chubb

None. Chubb's own auto page names no discounts whatsoever — not a short list, an absent one. That is a deliberate positioning choice, not an oversight.

Digital experience

Amica ahead

Amica takes digital experience on 4.82 iOS / 3.2 Android against Chubb's 4.53 iOS / 3.6 Android.

Amica

4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.

Chubb

4.53 on the App Store and 3.57 on Google Play. Only 306 iOS ratings across a 49-state footprint, which is itself evidence of how small and specialised the book is.

So which one?

Pick Amica if…

You are among drivers who will pay more for service and expect to file claims.
You expect to stack discounts — Amica's lineup is the broader of the two.
You would rather handle everything in an app than on a phone call.
Availability fits: 49 states and D.C. — not available in Hawaii.

Read the full Amica review →

Pick Chubb if…

You are among high-net-worth drivers insuring a luxury or collector car.
Price is your first filter — Chubb averages $2,676/yr for full coverage on our benchmark profile.
Availability fits: 49 states and D.C. — Arkansas is the only omission.

Read the full Chubb review →

Amica vs Chubb, answered

The questions people ask before switching between these two.

Is Amica or Chubb cheaper?

Which handles claims better, Amica or Chubb?

Is Amica better than Chubb overall?

Can I switch from Amica to Chubb mid-policy?

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