Auto Club (AAA) vs MetLife Car Insurance

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Auto Club (AAA) or MetLife:
Which Company is Best for You?

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.

 

Comparing car insurance rates: Allstate vs. MetLife

 

Allstate vs. MetLife: pricing by credit score

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.

 

RATES BY CREDIT LEVEL: MetLife VS. Allstate
Credit levelAllstate avg. annual premiumMetLife avg. annual premium
Very Poor (300-579)$3,117$3,495
Fair (580-669)$2,162$2,131
Good (670-739)$2,021$1,778
Very Good (740-799)$1,820$1,517
Exceptional (800-850)$1,743$1,293

 

Allstate vs. MetLife: rates after infractions

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.

 

RATES BY CITATION: MetLife VS. Allstate
ViolationAllstate avg. annual premiumMetLife avg. annual premium
At-fault accident (damage < $1,000)$3,006$2,598
At-fault accident (damage > $1,000)$2,290$1,679
DUI/DWI$3,637$3,219
Reckless driving$3,388$3,219
Speeding ticket$2,256$2,085

 

Allstate vs. MetLife: rates by age

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 BRACKET INSURANCE RATE COMPARISON: MetLife VS. Allstate
AgeAllstate avg. annual premiumMetLife avg. annual premium
Teens$6,442$6,434
20s$2,636$2,457
30s$1,920$2,457
40s$1,912$1,590
50s$1,893$1,520
60s$1,768$1,414

 

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 ComparisonAuto Club (AAA)MetLife
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonAuto Club (AAA)MetLife
Financial Strength GoodSuperior
JD Power Rankings
2 out of 5
3 out of 5
User Satisfaction

N/A

A+

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Other FeaturesAuto Club (AAA)MetLife
AboutAuto 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 AssistanceAAA 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 DiscountsAAA 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 QuestionsDoes roadside assistance cover people not on your policy

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Customer service for AAA roadside assistance only versus AAA auto insurance?

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What do I do if my vehicle was totaled while parked?

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Whose insurance pays for an accident after running a stop sign?

I hit a woman in a Walmart parking lot. I was going straight down an aisle and she was going ...

Who is at fault if I opened my car door and it was hit by another driver?

I had just parked my car. I opened my door and another car pulled into the spot next to me, ...

Will a paraphernalia charge impact my auto insurance rate?

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If I’m involved in an accident driving my grandmother’s car, will the damage be covered?

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Compare MoreAuto 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. SafeAuto 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. USAAMetLife 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. SafeAuto MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Auto Club (AAA) vs MetLife

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