Farm Bureau Mutual vs. MetLife Car Insurance

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Farm Bureau Mutual or MetLife:
Which Company is Best for You?

Choosing a car insurer can be difficult: companies' rates may vary based on your location, vehicle, and driving record, and companies offer an array of discounts. Farm Bureau Mutual and MetLife are two of America's most popular insurance companies, providing affordable coverage across many states.

In an effort to simplify the process of comparing insurance companies, we've gathered average policy prices from MetLife and Farm Bureau Mutual. The below rates cover an array of pricing factors, including credit history, driving infractions, and age. Take a look at these rates and find the perfect policy for you.


Comparing car insurance rates: Farm Bureau Mutual vs. MetLife


Farm Bureau Mutual vs. MetLife: by credit level

If you have extremely bad credit, Farm Bureau Mutual could be preferable to Farm Bureau Mutual. On average, Farm Bureau Mutual offers more affordable prices than MetLife for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward Farm Bureau Mutual, which typically beats MetLife by $430 per year. Check out typical insurance rates by credit tier for MetLife and Farm Bureau Mutual below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: METLIFE VS. FARM BUREAU MUTUAL
Credit levelFarm Bureau Mutual avg. annual premiumMetLife avg. annual premium
Very Poor (300-579)$1,780$3,495
Fair (580-669)$1,126$2,131
Good (670-739)$1,193$1,778
Very Good (740-799)$932$1,517
Exceptional (800-850)$863$1,293

Farm Bureau Mutual vs. MetLife: rates for bad drivers

If you are saddled with an at-fault collision, ticket, reckless driving citation, or DUI on your résumé, Farm Bureau Mutual could be a better choice than MetLife. Every insurance company will handle driving offenses differently, so it's worth comparing quotes to figure out which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: METLIFE VS. FARM BUREAU MUTUAL
InfractionFarm Bureau Mutual avg. annual premiumMetLife avg. annual premium
At-fault accident (damage < $1,000)$1,224$2,598
At-fault accident (damage > $1,000)$1,294$1,679
DUI/DWI$1,850$3,219
Reckless driving$1,546$3,219
Speeding ticket$1,025$2,085

Farm Bureau Mutual vs. MetLife: rates by age bracket

Insurance companies rely on a driver's age as an estimator of risk, assigning rates accordingly. Auto insurance is commonly priciest for young drivers — thanks to their inexperience — and most affordable for older drivers. Because every car insurance company rates age tiers uniquely, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose Farm Bureau Mutual over MetLife: Farm Bureau Mutual offers average yearly savings of $3,667 versusMetLife.


RATES BY AGE BRACKET: METLIFE VS. FARM BUREAU MUTUAL
AgeFarm Bureau Mutual avg. annual premiumMetLife avg. annual premium
Teens$2,767$6,434
20s$1,545$2,457
30s$984$2,457
40s$961$1,590
50s$866$1,520
60s$870$1,414

Cost aside, Farm Bureau Mutual and MetLife come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonFarm Bureau MutualMetLife
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 ComparisonFarm Bureau MutualMetLife
Financial Strength ExcellentSuperior
JD Power Rankings Not Rated
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

A

A+

Other ProductsFarm Bureau MutualMetLife
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Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
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Motorcycle Insurance
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Other FeaturesFarm Bureau MutualMetLife
AboutFarm Bureau Mutual of Iowa focuses on building trusted relationships and helping you protect what matters most, so they can help you find the right products at the right time as you work to achieve your goals.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 AssistanceFarm Bureau Mutual offers 24/7 roadside assistance to members at no added expense. The company's Emergency Roadside Assistance coverage includes up to $100 for emergency service nationwide.MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.
Additional DiscountsNone AvailableMetLife 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 QuestionsWhose 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 MoreFarm Bureau Mutual vs. 21st Century Farm Bureau Mutual vs. Allied Farm Bureau Mutual vs. Allstate Farm Bureau Mutual vs. American Family Farm Bureau Mutual vs. Amica Mutual Insurance Farm Bureau Mutual vs. Auto Club (AAA) Farm Bureau Mutual vs. Erie Farm Bureau Mutual vs. Farmers Farm Bureau Mutual vs. GEICO Farm Bureau Mutual vs. Infinity Farm Bureau Mutual vs. Liberty Mutual Farm Bureau Mutual vs. Mercury Farm Bureau Mutual vs. Nationwide Farm Bureau Mutual vs. North Star Mutual Farm Bureau Mutual vs. Progressive Farm Bureau Mutual vs. Safe Auto Farm Bureau Mutual vs. Safeco Farm Bureau Mutual vs. State FarmMetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance 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 OfferedArizona Iowa Kansas Minnesota Nebraska New Mexico South Dakota UtahArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Farm Bureau Mutual vs. MetLife

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