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Because pets are family, Chubb now offers pet insurance with top-rated coverage from Healthy Paws.
Chubb offers the insurance protection you need for travel’s many “what ifs”.
Chubb protects small businesses at every stage – from newly formed start-ups to long-time anchors of the community.
Stay ahead of cyber threats with our free Cyber Claims Landscape Report.
Learn more about our dedicated learning paths, Online Learning Center, and more.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Many digital-savvy consumers look for it as a core or add-on option.
Chubb’s in-house technology makes it easy to integrate what we do into your customer experience.
Full-Coverage Car Insurance
Restore your car to pre-claim condition
If you’re in a covered accident, Chubb always pays for Original Equipment Manufacturer (OEM) parts to restore your car to a similar look, feel, and function as before.
Get the attention you deserve
Our Collision Repair Experts will oversee your repairs and are uniquely trained to pay the highest attention to style and safety. Whether it’s making sure your backup camera works properly after damage to a bumper or checking the exact paint color on a damaged door, they get your car back to pre-claim condition.
Determine the value of your car
When you’re a Chubb client, you can choose to purchase coverage where the value of your car is determined and guaranteed before a covered loss. That means, if your car is damaged beyond repair or stolen, you get a check for that amount, regardless of the vehicle’s age or mileage.
Drive a temporary substitute vehicle that fits your lifestyle
If you need a temporary car while yours is being fixed after an accident, there is no per-day limit on your rental car, up to $15,000 total. At Chubb, we don’t believe in forcing you to drive a compact sedan when you own a luxury vehicle or SUV.
Know you’re covered, anywhere in the world
Our claims teams in 54 countries are here to assist you at home or abroad – 24/7, 365 days a year.
Earn potential premium discounts for safe driving
Available in eligible states, SafeLane® on the Chubb Mobile app measures household driving behaviors to encourage safety — and helps you earn potential premium discounts on your auto insurance for good habits on the road.
Car insurance coverage types
Collision coverage
Pays to repair or replace your vehicle when it's damaged in an accident with another car or object, regardless of who is at fault. Whether you strike a guardrail or another driver hits you, this coverage steps in so you're not absorbing the full cost of repairs out of pocket. For owners of high-value vehicles, Chubb’s collision coverage helps ensure your car is restored to its pre-loss condition with OEM parts and quality repairs.
Uninsured/Underinsured Motorist coverage
Bridges the gap if a driver with inadequate (or no) auto insurance injures you or damages your vehicle. Uninsured motorist coverage applies when the at-fault driver has no insurance at all, while underinsured motorist coverage responds when the driver’s limits aren't enough to cover your losses. It's a critical safeguard so that another driver's potential lack of coverage doesn't become your financial problem.
Personal Injury Protection coverage
Often called PIP, Personal Injury Protection covers medical expenses for you and your passengers after an auto accident, regardless of fault. Depending on your policy, it can also extend to lost wages and rehabilitation costs if injuries affect your ability to work or recover.
Comprehensive coverage
Protects your vehicle against losses that aren't related to a collision, such as theft, fire, vandalism, falling objects, or severe weather. If your car is stolen or a hailstorm causes significant damage, this coverage pays for repairs or replacement.
Liability
Liability is a core component to protecting financial assets. If you're responsible for an auto accident, your Chubb auto policy has liability coverage that includes:
- Bodily Injury coverage, which pays for injuries to other people if you are found responsible for an accident. It also covers legal defense costs if you're sued because of a covered accident, as well as any settlements up to your policy limits or judgments.
- Property Damage coverage, which pays for the repair or replacement of someone else's property if you're at fault in an accident. This typically includes other vehicles, but can also extend to structures like fences, walls, or buildings damaged by your vehicle.
See why Chubb ranks highest of all major U.S. auto insurers
Chubb is proud to rank first among all other national U.S. auto insurers for the seventh year in a row on CRASH NETWORK’s 2026 annual Insurer Report Card, a survey of collision repair professionals that rates insurance companies for how well they handle claims, payments, and client service to facilitate high quality repairs for motorists
How to compare auto insurance quotes
Step 1: Identify Your Coverage Needs.
Start by identifying the full value of your vehicles to determine your true exposure. You should also verify what coverage limits are required in your state. This groundwork ensures you are comparing policies tailored to your specific lifestyle rather than basic, entry-level options.
Step 2: Consult a Trusted Agent.
If you’re not currently working with an independent agent, they are a vital resource for navigating the nuances of personal insurance, especially for individuals and families with substantial assets to protect. They have access to specialized carriers and help ensure you are evaluating options that truly fit your needs.
Step 3: Evaluate Coverage Quality Over Price.
Focus on the quality of coverage and claims reputation. A lower price may signal potential gaps in protection that could leave you exposed after a major accident. A higher deductible can often provide premium savings without sacrificing the right coverage limits for your individual needs.
Step 4: Schedule Regular Reviews.
Keep your coverage current by updating your agent as your lifestyle or assets change. Periodic reviews confirm your protection remains appropriate for your financial situation and provides the necessary security.
Coverage related to car insurance
Frequently asked questions about car insurance
The cost of car insurance varies from driver to driver and is based on factors like your driving history, the type of vehicle(s) you drive, the quality of the coverage, limits and deductibles you select, and any discounts you may qualify for. Where your vehicle is registered can also play a role, since state regulations and local risk factors can affect your premium. To find out what car insurance may cost you, get a personalized Chubb quote today.
Auto insurance policy generally extends the same coverages and limits you have on your own vehicle to a rental car for personal use. While not all carriers cover rental cars in foreign locations, Chubb provides worldwide coverage for rental coverage. You should confirm your specific coverage details with your agent before heading to the rental counter.
Comparing car insurance quotes can help you make an informed decision by understanding what different policies include. While price is one factor, the breadth of your coverage, the strength of your insurer, and the quality of claims support matter just as much. That is why Chubb offers personalized quotes that reflect your specific needs, backed by the financial strength and service you can count on when it matters most.
"They do it with integrity, and they do it with honesty…that’s why I’m a Chubb customer for 15 years."
Ed K., Sacramento, CA
Insights and expertise
This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.
Chubb will make every effort to remove personally identifiable information (PII) from totaled vehicles if retained as part of the loss settlement. In certain circumstances, such as if the vehicle is unable to be powered or entered, removal of PII will not be possible.