Preheat the oven to 350°F (175°C) and line a muffin tin with paper liners.
In a large bowl, whisk together 1 ½ cups flour, ½ cup granulated sugar, ½ cup brown sugar, baking powder, baking soda, and salt.
In another bowl, combine the egg, milk, vegetable oil, and vanilla extract.
Pour the wet ingredients into the dry ingredients and stir until just combined. Fold in the chocolate chips.
In a separate bowl, prepare the crumble topping by mixing ½ cup flour, ¼ cup granulated sugar, ¼ cup brown sugar, and cinnamon. Add the cold butter and use a fork or pastry cutter to mix until crumbly.
Spoon the muffin batter into the prepared muffin tin, filling each cup about ¾ full. Sprinkle the crumble topping evenly over each muffin.
Bake for 18-20 minutes, or until a toothpick inserted into the center comes out clean.
Allow the muffins to cool in the pan for 5 minutes before transferring them to a wire rack to cool completely.