Chubb vs Farmers: which is better for car insurance in 2026?
Across our six scoring categories, Chubb comes out ahead in 2, Farmers in 2, with 2 too close to call. On our weighted overall score the two finish within 0.1 of a point — a genuine draw. The right answer here depends less on which company is "better" and more on which one prices your specific profile lower, and that is not knowable without running both quotes. Chubb is the stronger pick for high-net-worth drivers insuring a luxury or collector car; Farmers for drivers who want an agent and have specific coverage needs farmers can meet.
Chubb vs Farmers, side by side
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.
Category by category
Price
Chubb aheadChubb averages $2,676/yr for full coverage against Farmers's $4,048/yr — about $1372 a year, or 114.3 dollars a month, in Chubb's favor for this profile.
$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.
$4,048 a year for full coverage, 72% above the national average and the most expensive carrier in this review by a wide margin.
Claims satisfaction
Too close to callNeither pulls ahead on claims satisfaction: Chubb posts Not rated and Farmers 690/1,000, a difference too small to choose on.
Not in the J.D. Power claims study, which samples only the largest insurers.
690 out of 1,000, ten points below the segment average.
Complaint record
Chubb aheadChubb takes complaint record on Fewer than expected against Farmers's About the expected number.
Fewer complaints than expected for its size.
Close to the number of complaints expected for its size.
Financial strength
Too close to callNeither pulls ahead on financial strength: Chubb posts Not published and Farmers A, a difference too small to choose on.
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.
AM Best A (Excellent).
Discounts
Farmers aheadFarmers takes discounts on 10 published* against Chubb's 0 published.
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.
Roughly ten discounts, though Farmers blocks automated access to its own discounts page, so we could not verify the list or its telematics program name directly.
Digital experience
Farmers aheadFarmers takes digital experience on 4.84 iOS / 4.7 Android against Chubb's 4.53 iOS / 3.6 Android.
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.
4.84 on the App Store and 4.7 on Google Play — the best-rated app pairing in this review, across a relatively small rating base.
So which one?
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.
- You want the lower complaint record — Chubb sits at Fewer than expected.
- Availability fits: 49 states and D.C. — Arkansas is the only omission.
Pick Farmers if…
- You are among drivers who want an agent and have specific coverage needs farmers can meet.
- You expect to stack discounts — Farmers's lineup is the broader of the two.
- You would rather handle everything in an app than on a phone call.
- Availability fits: 40 states, through agents — the Farmers brand left Florida in 2023 and does not write in Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, South Carolina, Vermont or West Virginia.
Chubb vs Farmers, answered
The questions people ask before switching between these two.
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