Is Chubb Auto Insurance Good for New York Drivers?

Last Updated on October 4, 2026 by James Shaffer

Chubb offers a distinctive type of car insurance for New York drivers who want higher coverage limits, strong protection for valuable vehicles, and additional control over how a damaged car is repaired. Its Masterpiece auto coverage includes features such as agreed value coverage, original equipment manufacturer (OEM) parts, generous rental reimbursement, and the ability to choose your repair shop.

Those features can make Chubb worth considering for drivers with luxury, high-value, collectible, or otherwise expensive vehicles. However, coverage availability and premiums vary by driver and policy, so Chubb should be compared with other insurers rather than assumed to be the best or least expensive option.

About Chubb

Chubb is a global insurance company with operations in 54 countries and territories. Parent company Chubb Limited is publicly traded on the New York Stock Exchange under the ticker symbol CB.

The Chubb name has deep roots in New York. According to Chubb’s corporate history, Thomas Caldecot Chubb and his son Percy established a marine underwriting business in New York City’s seaport district in 1882, initially insuring ships and cargo. Today’s company took shape in 2016 when ACE Limited acquired The Chubb Corporation and adopted the Chubb name.

Chubb now provides personal and commercial property and casualty insurance along with several other insurance products. Its personal lines business includes auto, home, valuables, boats and yachts, liability, travel, cyber, and other specialty protection.

Chubb Contact Information

Personal Lines Customer Service	1-866-324-8222
Claims	1-800-252-4670
New York City Regional Office	550 Madison Avenue, New York, NY 10022
Personal Auto Quotes	Available through independent Chubb agents and brokers
Website	Chubb.com

What Car Insurance Coverage Does Chubb Offer?

Chubb offers the major types of personal auto insurance coverage, including liability insurance, uninsured and underinsured motorist coverage, personal injury protection, collision coverage, and comprehensive coverage.

Coverage must comply with New York insurance requirements, while optional limits and features depend on the policy issued. Chubb distinguishes its Masterpiece auto product through several features that go beyond the basic coverage types themselves.

Agreed Value Coverage

One of Chubb’s notable options is agreed value coverage. Instead of waiting until a loss occurs to determine the vehicle’s depreciated value, Chubb and the policyholder establish an insured value in advance.

Chubb states that when this coverage applies and the insured vehicle is stolen or damaged beyond repair, it pays the applicable guaranteed amount established by the policy regardless of the vehicle’s age or mileage, subject to policy terms.

This feature can be particularly relevant for high-value vehicles where ordinary actual cash value settlement may not provide the type of loss settlement the owner wants.

OEM Parts and Your Choice of Repair Shop

Chubb emphasizes repair quality as part of its auto product. Customers can choose the repair facility they want to use, or they can select a shop from Chubb’s preferred repair network.

Chubb also promotes repairs using original equipment manufacturer parts and manufacturer-recommended procedures. This can be especially valuable on newer or high-end vehicles with sophisticated cameras, sensors, advanced driver-assistance systems, specialized materials, and complex calibration requirements.

Learn more about why OEM parts coverage can matter after an accident.

Rental Car Reimbursement

Chubb currently advertises rental reimbursement of up to $15,000 per covered occurrence with no per-day rental limit under applicable Masterpiece auto coverage. This gives an eligible policyholder more flexibility to rent a vehicle comparable to the one being repaired instead of being limited to a low daily allowance.

Rental reimbursement after an insured loss should not be confused with insurance for a car you rent while traveling. Read our guides to rental car insurance, rental reimbursement coverage, and travel interruption coverage for the differences.

Gap and Other Optional Coverage

Depending on the policy, vehicle, financing arrangement, and state-approved forms, additional protection may be available. If you finance or lease a vehicle, ask specifically whether gap insurance or a similar loan or lease protection applies rather than assuming it is automatically included.

Other coverage and services may include towing or roadside assistance. Availability, limits, exclusions, and deductibles should be confirmed with the agent and the actual policy.

Chubb Classic and Collector Car Insurance

Chubb also offers specialized insurance for classic and collector cars. Chubb says its classic car program generally considers vehicles that are at least 30 years old, part of a larger collection, or limited-production models, subject to eligibility requirements.

Eligible vehicles generally must be garaged and used for hobby purposes. Chubb’s classic car coverage can include agreed value settlement, OEM or fabricated replacement parts when appropriate, choice of repair facility, and no mileage limit for qualifying hobby use.

Does Chubb Offer Car Insurance Discounts?

Chubb offers discounts, but availability varies by state, household, policy, and underwriting circumstances. Chubb currently promotes potential savings for combining home and auto coverage and says eligible customers may also qualify for customer loyalty discounts.

Other discounts historically associated with Masterpiece auto policies include multi-car, good-student, driver-training, accident-prevention, airbag, anti-lock brake, and anti-theft credits where available. Because discount programs change, New York customers should ask an agent which credits are currently approved and applicable to their policy rather than relying on a generic national list.

You can learn more about common discounts for vehicle safety features, anti-theft devices, safe driving, New York defensive driving courses, and good student discounts.

Is Chubb SafeLane Available in New York?

Chubb now offers a usage-based insurance program called SafeLane, which uses the Chubb Mobile app to measure behaviors such as braking, speed, and phone use and can provide eligible participants with premium discounts.

However, New York is not currently included in Chubb’s published list of SafeLane jurisdictions. Chubb says the program is being expanded to additional states, so New York policyholders should check with their agent or the Chubb Mobile app for future availability.

How Much Does Chubb Car Insurance Cost in New York?

There is not a single reliable Chubb rate that represents what New York drivers will pay. Chubb does not publish a statewide average premium for every type of Masterpiece auto customer, and price comparisons can be misleading when companies are quoting substantially different limits and coverage features.

Your premium can depend on your vehicles, location, drivers, driving history, annual mileage, coverage limits, deductibles, optional features, and other factors permitted under New York insurance rules.

Chubb’s product is designed to offer features that may not appear on a basic auto policy, including high limits, agreed value options, OEM-focused repairs, and generous rental reimbursement. When comparing prices, make sure another insurer’s quote includes equivalent protection before concluding that one company costs more or less.

Chubb’s Complaint Record in New York

New York’s Department of Financial Services ranks auto insurers every year by upheld complaints per $1 million of premiums. A complaint is upheld when DFS agrees the insurer handled something wrong, such as a late no-fault payment or an improper nonrenewal. The 2025 report covers complaints closed in 2024 and ranks 128 companies. Across all of them combined, the ratio was 0.0341.

Chubb can also issue policies through affiliated companies that don’t carry the Chubb name, so check the company shown on your quote.

Company	Rank (of 128)	Upheld Complaints	Complaint Ratio
Chubb National Insurance Company	86	5	0.0594
Chubb Indemnity Insurance Company	111	1	0.1813

Taken together, the two Chubb companies had 6 upheld complaints on about $90 million of yearly New York auto premiums, a combined ratio of 0.0669. That’s worse than the 0.0341 figure for the whole market. In the previous report (complaints closed in 2023), the same companies had 1 upheld complaint and a ratio of 0.0123, against 0.0275 for all insurers that year.

Those premiums add up to 0.49% of the private passenger auto premiums counted in the DFS report. That share is our own calculation from the DFS figures, not an official market share number, but it gives a rough sense of how much of the New York market Chubb insures.

DFS points out that the ranking counts only complaints filed with the department, and that one or two extra upheld complaints can move a smaller insurer a long way. Use it alongside price, coverage and claims service, and match it to the company named on your quote or declarations page.

What Is Chubb’s Claims Service Like?

Chubb places significant emphasis on its claims and vehicle-repair process. Policyholders can file a claim online or by phone, and Chubb’s Claims Contact Center is available 24 hours a day.

Chubb also allows drivers to select their own repair facility. Its preferred repair network is available as an alternative, and Chubb says workmanship performed by one of its preferred repair facilities is guaranteed for as long as the policyholder owns or leases the vehicle, subject to applicable terms.

One independent measure of Chubb’s collision-claims performance comes from the 2026 CRASH Network Insurer Report Card. More than 1,100 collision repair professionals graded insurers on how their claims handling, payment practices, and policies support quality repairs and customer service. Chubb received an A grade and ranked third overall among the 91 insurers that received enough responses to be included.

That survey reflects the experiences of collision repair professionals rather than a broad consumer-satisfaction survey, so it should be considered one piece of information rather than a guarantee of any individual claim experience.

Chubb’s Online and Mobile Tools

Chubb customers can use its online client portal and mobile app to access policy documents, view insurance ID cards, make payments, receive notifications, and manage other policy information.

For qualifying claims, Chubb also offers Mobile Estimate. The service lets a policyholder submit photos or video of vehicle damage through a mobile device so an estimate can be prepared without first making a traditional in-person estimate appointment. Eligibility depends on the claim.

Chubb’s current claims information states that customers always retain the option to choose their own repair shop rather than being required to use the company’s preferred repair network.

How Financially Strong Is Chubb?

Financial strength matters because an insurer needs sufficient resources to meet its policy obligations and pay covered claims. Chubb reports that its core operating insurance companies hold an A++ financial strength rating from AM Best, the rating agency’s highest financial strength category.

A strong rating does not guarantee the outcome of an individual claim, but it is a useful indicator when evaluating an insurer’s ability to meet its financial obligations. Learn more about auto insurance company financial stability.

Who Should Consider Chubb Auto Insurance?

Chubb may be worth getting a quote from if you own a high-value, luxury, performance, classic, collectible, or technologically complex vehicle and place a high priority on repair quality and flexible loss settlement.

• You want the option of agreed value coverage.
• You care about OEM parts and manufacturer-recommended repair procedures.
• You want broad rental reimbursement without a low daily limit.
• You own multiple high-value assets and want to combine auto with home, valuables, liability, or other personal insurance.
• You want higher liability or uninsured/underinsured motorist limits than those commonly selected on basic policies.

On the other hand, drivers primarily focused on finding the lowest possible premium should still compare Chubb with several other companies. Paying for coverage features you do not need may not make sense for every vehicle or household.

Chubb also offers numerous additional coverage options, but the policy itself should always be reviewed to determine what is actually included, optional, limited, or excluded.

How to Compare Chubb With Other New York Insurers

1. Decide which coverages and limits you want. Use the same liability limits and optional coverages for every quote.
2. Compare physical damage coverage carefully. Look at collision and comprehensive deductibles, OEM-parts provisions, and how a total loss is valued.
3. Check rental coverage. Compare both the total reimbursement limit and any daily limit.
4. Ask about discounts. Available discounts can differ substantially by insurer and household.
5. Consider claims and financial-strength information. Price matters, but it is not the only difference between insurers.
6. Review the actual policy terms. Marketing summaries do not replace the policy contract.

Because every insurer uses its own approved rating methods, it is useful to compare Chubb with multiple car insurance companies before buying a policy.

FAQs on Chubb Auto Insurance in New York

Final Thoughts on Chubb Auto Insurance

Chubb stands out from many auto insurers because of features such as agreed value coverage, OEM-focused repairs, customer choice of repair facility, high available limits, and rental reimbursement of up to $15,000 without a per-day limit.

Those features may be particularly attractive to New Yorkers with expensive or unusual vehicles, but the right insurer ultimately depends on your coverage needs and the quotes available to you. Compare identical coverage from several companies and review the actual policy terms before making a decision.