Choosing an auto insurance company is complex: rates fluctuate based on your driving record, location, and age, and every company's discounts differ. Allstate and MetLife are two of the top auto insurance companies, providing high-quality coverage in most states across the US.
To help make insurance shopping seamless, we've gathered average insurance premiums from MetLife and Allstate. These take into consideration a number of rating factors, including credit rating, driving record, and age. Check out the below rates and find an affordable policy today.
If you have extremely bad credit, Allstate could be the best option for you. Typically, Allstate offers cheaper premiums than MetLife for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should consider Check out common insurance rates by credit score for MetLife and Allstate below.
|Credit score||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 saddled with an at-fault crash, speeding ticket, reckless driving violation, or DUI on your record, MetLife could be a better choice than Allstate. Every auto insurance company will handle driving offenses differently, so it's worth comparing quotes to understand which insurer 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|
Car insurance companies rely on a driver's age to outline potential risk, assigning rates accordingly. Car insurance is typically expensive for teens — thanks to their inexperience — and relatively affordable for older drivers. Since each insurance company prices age brackets in a different way, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose MetLife before Allstate: the former's average annual rates are $8 less than the latter's..
|Age tier||Allstate avg. annual premium||MetLife avg. annual premium|
Cost aside, Allstate and MetLife each have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
|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||Can I bundle my renters and new car insurance?|
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.See More Questions
|Whose insurance pays for an accident after running a stop sign?|
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.Who is at fault if I opened my car door and it was hit by another driver?
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.Will a paraphernalia charge impact my auto insurance rate?
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.If I'm involved in an accident driving my grandmother's car, will the damage be covered?
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.See More Questions
|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. Safe Auto Auto Club (AAA) vs. Safeco 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. Safe Auto MetLife vs. Safeco 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|