Auto-Owners vs Chubb: which is better for car insurance in 2026?

$2,094 a year for full coverage, 11% below the national average — mid-pack, and close to State Farm and Progressive.

$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.

711 out of 1,000, eleven points above the segment average and better than every carrier in the top four by market share except State Farm.

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

Fewer complaints than expected for its size.

Fewer complaints than expected for its size.

AM Best A+ (Superior).

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.

Around ten published discounts including a 20% good-student discount and a 36-month on-time payment discount — though Auto-Owners blocks automated access to its own discounts page, so this count comes from secondary sources.

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.

4.72 on the App Store and 4.8 on Google Play — the only carrier here rated higher on Android than iOS, and the best Play Store score in the review.

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.