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Sarah Chapman Skin Insurance SPF 30

Sarah Chapman SPF 30
Sarah Chapman Skin Insurance SPF 30

54/100 overall score

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About this sunscreen

Sarah Chapman Skin Insurance is an SPF 30 chemical sunscreen using homosalate, octisalate, octocrylene, octinoxate and avobenzone, an older-generation filter set. It wears lightweight with a balanced finish and low white cast and is low for pore-clogging. Its high sweat-sting rating means it can sting noticeably, especially near the eyes. With moderate protection and a score of 53.7/100, it is a modest SPF 30 option better suited to lower-exposure days.

Ingredient & SPF scores

☀️

UV protection

Moderate 44
  • +12 Homosalate at #2, UV filter
  • +8 Ethylhexyl Salicylate at #3, UV filter
  • +15.2 Octocrylene at #4, UV filter
  • +17.1 Ethylhexyl Methoxycinnamate at #5, UV filter
  • +28.5 Butyl Methoxydibenzoylmethane at #7, UV filter (UVA1 +15.2)
  • −16.5 UVB coverage saturated
  • ×0.9 Limited long-UVA1 coverage
  • ×0.75 Avobenzone + octinoxate degrade each other in sunlight
  • +1 Label claims (SPF 30)
How we rate uv protection →
☢️

Health safety

Medium 33
  • +100 Starting score
  • −40 Homosalate at #2 (regulatory/evidence concern)
  • −12.6 Octinoxate at #5, stacked (regulatory/evidence concern)
  • −10.5 Octocrylene at #4, stacked (regulatory/evidence concern)
  • −3.5 Avobenzone at #7, stacked (regulatory/evidence concern)
  • +0 2 endocrine-scrutinized filters together
How we rate health safety →
🤧

Allergens

Medium 42
  • +100 Starting score
  • −18 Fragrance
  • −27 10 declared fragrance allergens
  • −4 Essential oils (Pelargonium Graveolens Flower Oil, Rosa Damascena Flower Oil)
  • −3 Photoallergen-tail UV filters (Octocrylene)
  • −6 Sensitizers from 3 different categories
How we rate allergens →
👻

White cast

Low 99
  • +100 Starting score
  • −2 Titanium Dioxide as pigment (CI 77891) at #81
  • +1 Iron-oxide undertone, partial masking
How we rate white cast →
🔥

Eye sting

High 23
  • +100 Starting score
  • −16 Avobenzone at #7, migrates into eyes with sweat
  • −15 Octocrylene at #4, migrates into eyes with sweat
  • −11 Octinoxate at #5, migrates into eyes with sweat
  • −9 Homosalate at #2, migrates into eyes with sweat
  • −9 Octisalate at #3, migrates into eyes with sweat
  • −1 Volatile alcohol at #59
  • −8 Fragrance
  • −8 7 declared fragrance allergens
How we rate eye sting →
🪨

Heavy feel

Low 100
  • +100 Starting score
How we rate heavy feel →
🔴

Comedogenic

Low 100
  • +100 Starting score
How we rate comedogenic →
🍄

Fungal acne

Medium 73
  • +100 Starting score
  • −18 2 oils/butters that feed Malassezia (Helianthus Annuus Seed Oil, Lecithin)
  • −9 1 long-chain (C12+) esters that feed Malassezia (Polyglyceryl-5 Trioleate)
How we rate fungal acne →
👕

Fabric stains

High 0
  • +100 Starting score
  • −45 Avobenzone at #7, reacts with iron in wash water into rust-yellow stains
  • −15 Octocrylene at #4, co-stains alongside avobenzone
  • −10 Avobenzone + Octocrylene, the classic staining pair
  • −40 Iron-oxide pigments at #82, makeup-like collar marks (washable)
  • +10 Penalties exceed the scale, floored at 0
How we rate fabric stains →
💧

Moisture

Hydrating
LightNourishing
  • ← 2 Volatile alcohol at #59
  • ← 3 2 sebum-absorbing powders (Silica, Sodium Starch Octenylsuccinate)
  • → 10 Glycerin at #6, the anchor humectant
  • → 2 2 strong humectants (Saccharide Isomerate, Ectoin)
  • → 2 2 emollient lipids (Squalane, Helianthus Annuus Seed Oil)
How we rate moisture →
✨

Finish

Balanced
MatteDewy
  • ← 2 2 sebum-absorbing powders (Silica, Sodium Starch Octenylsuccinate)
  • ← 0.5 Volatile alcohol at #59
  • → 5 3 emollient lipids (Helianthus Annuus Seed Oil, Squalane, C12-15 Alkyl Benzoate)
How we rate finish →
💄

Makeup base

Okay
PillsPrimer
  • → 1 Primer-style base, volatile silicones and dimethicone slip
  • → 1 Dry-touch esters, smooth fast-absorbing base
  • ← 0.5 Gel polymers prone to pilling under friction (Ammonium Acryloyldimethyltaurate/VP Copolymer)
  • ← 3 Humectant syrup tackiness
How we rate makeup base →
🌊

Water resistance

Not resistant
Non-water-resistantWater-resistant

Nothing flagged in the ingredient list.

How we rate water resistance →

Full ingredient list (84)

What each ingredient does and how it moves each rating: green helps, red hurts, ↑ / ↓ give the direction, and ← / → shift a slider toward its ends (finish, moisture, makeup base). Auto-derived from our scoring rules and the ingredient's position.

  1. 1 Water

    Solvent base, the water phase

  2. 2 Homosalate

    Legacy UV filter (Homosalate), high in the list, a primary filter

    • ↑ 12 UV protection
    • ↑ 9 migrates into eyes with sweat
  3. 3 Ethylhexyl Salicylate

    Legacy UV filter (Octisalate), high in the list, a primary filter

    • ↑ 8 UV protection
    • ↑ 9 migrates into eyes with sweat
  4. 4 Octocrylene

    Legacy UV filter (Octocrylene)

    • ↑ 15.2 UV protection
    • ↓ 10.5 stacked (regulatory/evidence concern)
    • ↑ 15 migrates into eyes with sweat
    • ↑ 15 co-stains alongside avobenzone
  5. 5 Ethylhexyl Methoxycinnamate

    Legacy UV filter (Octinoxate)

    • ↑ 17.1 UV protection
    • ↓ 12.6 stacked (regulatory/evidence concern)
    • ↑ 11 migrates into eyes with sweat
  6. 6 Glycerin

    Humectant, pulls water into the skin

    • 10 → nourishing the anchor humectant
  7. 7 Butyl Methoxydibenzoylmethane

    Legacy UV filter (Avobenzone)

    • ↑ 28.5 UV protection, incl. long-UVA (UVA1)
    • ↓ 3.5 stacked (regulatory/evidence concern)
    • ↑ 16 migrates into eyes with sweat
    • ↑ 45 reacts with iron in wash water into rust-yellow stains
  8. 8 Potassium Cetyl Phosphate

    Emulsifier, keeps oil and water blended

  9. 9 C12-15 Alkyl Benzoate

    Emollient, softens and smooths skin

    • 3 → dewy emollient lipid
  10. 10 Dimethicone

    Emollient, softens and smooths skin

  11. 11 Nylon-12 Fluorescent Brightener 230 Salt

    Supporting ingredient

  12. 12 Isomalt

    Humectant, pulls water into the skin

  13. 13 Helianthus Annuus Seed Oil

    Botanical extract

    • 1 → nourishing emollient lipid
    • 1 → dewy emollient lipid
    • ↑ 9 feeds malassezia
  14. 14 Silica

    Mattifying powder, absorbs oil and blurs the finish

    • light ← 1.5 sebum-absorbing powder
    • matte ← 1 sebum-absorbing powder
  15. 15 Ammonium Acryloyldimethyltaurate/VP Copolymer

    Thickener and texture, structures the gel or cream

  16. 16 Octadecenedioic Acid

    Supporting ingredient

  17. 17 Saccharide Isomerate

    Humectant, pulls water into the skin

    • 1 → nourishing humectant
  18. 18 Panthenyl Triacetate

    Supporting ingredient

  19. 19 Xanthan Gum

    Thickener and texture, structures the gel or cream

  20. 20 Squalane

    Emollient, softens and smooths skin

    • 1 → nourishing emollient lipid
    • 1 → dewy emollient lipid
  21. 21 Dimethiconol

    Emollient, softens and smooths skin

  22. 22 Ethyl Linoleate

    Supporting ingredient

  23. 23 Tocopheryl Acetate

    Antioxidant, protects the formula and skin

  24. 24 Limnanthes Alba Seed Oil

    Botanical extract

  25. 25 Dehydroacetic Acid

    Preservative, keeps the formula from spoiling

  26. 26 Lepidium Meyenii Root Extract

    Botanical extract

  27. 27 Cedrus Atlantica Bark Oil

    Botanical extract

  28. 28 Lecithin

    Emulsifier, keeps oil and water blended

    • ↑ 9 feeds malassezia
  29. 29 Cichorium Intybus Root Extract

    Botanical extract

  30. 30 Ectoin

    Soothing, skin-conditioning active

    • 1 → nourishing humectant
  31. 31 Polyvinylalcohol Crosspolymer

    Supporting ingredient

  32. 32 Stearyl Triethoxysilane

    Supporting ingredient

  33. 33 Niacinamide

    Soothing, skin-conditioning active

  34. 34 Polygonum Aviculare Extract

    Botanical extract

  35. 35 Sodium Starch Octenylsuccinate

    Mattifying powder, absorbs oil and blurs the finish

    • light ← 1.5 sebum-absorbing powder
    • matte ← 1 sebum-absorbing powder
  36. 36 Calcium Pantothenate

    Supporting ingredient

  37. 37 Maltodextrin

    Humectant, pulls water into the skin

  38. 38 Tocopherol

    Antioxidant, protects the formula and skin

  39. 39 Buddleja Davidii Extract

    Botanical extract

  40. 40 Ethyl Ferulate

    Antioxidant, protects the formula and skin

  41. 41 Jasminum Officinale Flower Extract

    Botanical extract

  42. 42 Pelargonium Graveolens Flower Oil

    Botanical extract

  43. 43 Polyglyceryl-5 Trioleate

    Emulsifier, keeps oil and water blended

    • ↑ 9 feeds malassezia
  44. 44 Santalum Spicata Wood Oil

    Plant oil, an emollient

  45. 45 Allantoin

    Soothing, skin-conditioning active

  46. 46 Aloe Barbadensis Leaf Juice Powder

    Soothing, skin-conditioning active

  47. 47 Plankton Extract

    Botanical extract

  48. 48 Vitis Vinifera Fruit Cell Extract

    Botanical extract

  49. 49 Sodium Ascorbyl Phosphate

    Antioxidant, protects the formula and skin

  50. 50 Rosa Damascena Flower Oil

    Botanical extract

  51. 51 Pyridoxine Hcl

    Supporting ingredient

  52. 52 Rosemary Leaf Extract

    Botanical extract

  53. 53 Ethylhexyl-Glycerin

    Humectant, pulls water into the skin

  54. 54 Disodium Uridine Phosphate

    Supporting ingredient

  55. 55 Dextran

    Supporting ingredient

  56. 56 Nonapeptide-1

    Protein, peptide or amino acid, conditions and hydrates skin

  57. 57 Cyclotetrapeptide-24 Aminocyclohexane Carboxylate

    Protein, peptide or amino acid, conditions and hydrates skin

  58. 58 Butylene Glycol

    Humectant, pulls water into the skin

  59. 59 Alcohol

    Volatile alcohol, a drying solvent that can sting eyes

  60. 60 Oleyl Alcohol

    Fatty alcohol, an emollient and thickener, not the drying kind

  61. 61 Fragrance

    Fragrance

  62. 62 Phenoxyethanol

    Preservative, keeps the formula from spoiling

  63. 63 Benzoic Acid

    Preservative, keeps the formula from spoiling

  64. 64 Sodium Hydroxide

    pH adjuster

  65. 65 Sodium Benzoate

    Preservative, keeps the formula from spoiling

  66. 66 Citric Acid

    pH adjuster

  67. 67 Potassium Sorbate

    Preservative, keeps the formula from spoiling

  68. 68 BHT

    Antioxidant, protects the formula and skin

  69. 69 Sodium Citrate

    pH adjuster

  70. 70 Sorbic Acid

    Preservative, keeps the formula from spoiling

  71. 71 Benzyl Alcohol

    Preservative, keeps the formula from spoiling

  72. 72 Benzyl Benzoate

    Fragrance component, a declared allergen

  73. 73 Benzyl Cinnamate

    Supporting ingredient

  74. 74 Citral

    Fragrance component, a declared allergen

  75. 75 Citronellol

    Fragrance component, a declared allergen

  76. 76 Eugenol

    Fragrance component, a declared allergen

  77. 77 Farnesol

    Fragrance component, a declared allergen

  78. 78 Geraniol

    Fragrance component, a declared allergen

  79. 79 Hydroxycitronellal

    Fragrance component, a declared allergen

  80. 80 Linalool

    Fragrance component, a declared allergen

  81. 81 Titanium Dioxide/ Ci 77891

    Colorant or pigment

  82. 82 Ci 77492

    Colorant or pigment

    • ↑ 40 makeup-like collar marks (washable)
  83. 83 Ci 77491

    Colorant or pigment

  84. 84 Ci 77499

    Colorant or pigment

Does Sarah Chapman Skin Insurance sting the eyes?

It rates high for sweat-sting, so it can sting noticeably, especially if it migrates near the eyes. Keep it away from the eye area.

What SPF is the Sarah Chapman Skin Insurance SPF 30?

It is SPF 30. Measured protection rates moderate, suiting lower-exposure days.

Is it good?

It scores 53.7/100 with moderate protection and an older-generation filter set. It is a modest SPF 30 option rather than a standout.

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