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Picking an auto insurer can be tough: every company's rates differ based on your driving record, age, and location, and every company provides a different set of discounts. Allstate and MetLife are counted among the US' top insurers, selling high-quality insurance policies across large portions of the US.
To simplify the insurance-shopping process, we collected average prices from MetLife and Allstate. These rates cover an array of rating factors, chief among which are credit rating, driving infractions, and age. Compare rates and find the right policy for you.
If you have very poor credit, Allstate could be a better option for you. On average, Allstate offers more affordable rates than MetLife for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward View average insurance costs by credit score for MetLife and Allstate below.
|Credit level||Allstate avg. annual premium||MetLife avg. annual premium|
|Very Poor (300-579)||$3,117||$3,495|
|Very Good (740-799)||$1,820||$1,517|
If you're carrying an at-fault accident, speeding violation, reckless driving citation, or DWI in your rear view mirror, MetLife could be a better choice than Allstate. Each insurance company enacts rate penalties differently, so don't be afraid to shop around to understand which insurance company suits you.
|Violation||Allstate avg. annual premium||MetLife avg. annual premium|
|At-fault accident (damage < $1,000)||$3,006||$2,598|
|At-fault accident (damage > $1,000)||$2,290||$1,679|
Insurers use a driver's age to indicate risk, assigning rates accordingly. An insurance policy is usually expensive for young drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every insurance company rates age tiers in a different way, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose MetLife over Allstate: the former's average annual rates are $8 less than the latter's..
|Age||Allstate avg. annual premium||MetLife avg. annual premium|
Aside from affordability, Allstate and MetLife both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||Auto Club (AAA)||MetLife|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Auto Club (AAA)||MetLife|
|JD Power Rankings|
|Other Products||Auto Club (AAA)||MetLife|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Auto Club (AAA)||MetLife|
|About||Auto Club provides its customers with customizable payment options, competitive rates and excellent features.||MetLife Auto & Home MyDirect’s 100% digital experience lets you easily buy and manage your policy all online – without ever speaking to an agent over the phone. It’s the first of its kind and backed by the experience of MetLife Auto & Home.|
|Roadside Assistance||AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.||MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.|
|Additional Discounts||AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.||MetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss.|
|Recent Questions||If I'm involved in an accident driving my grandmother's car, will the damage be covered?|
Will a paraphernalia charge impact my auto insurance rate?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At Fault accident.
Who is at fault if I opened my car door and it was hit by another driver?
Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.
Whose insurance pays for an accident after running a stop sign?
In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.
See More Questions
Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers.
|Compare More||Auto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA||MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Mercury MetLife vs. Nationwide MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. SAFECO MetLife vs. Safe Auto MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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