Auto Club (AAA) vs MetLife Car Insurance

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

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.

Looking for more information? Read our reviews of Allstate and MetLife.


Compare Allstate vs. MetLife auto insurance rates


Allstate vs. MetLife: prices by credit level

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.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: MetLife VS. Allstate
Credit scoreAllstate 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: high-risk insurance rate comparison

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.


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

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..


COMPARING AUTO INSURANCE RATES BY AGE: MetLife VS. Allstate
Age tierAllstate 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

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 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
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

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Mobile Home Insurance
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 QuestionsCan 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.
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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 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. 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. 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. 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
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Auto Club (AAA) vs MetLife

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