Farmers vs MetLife Car Insurance

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Farmers or MetLife:
Which Company is Best for You?

Selecting a car insurer can be tricky: rates can fluctuate based on your driving history, age, and location, and insurers offer a variety of perks. Farmers and MetLife are two of America's most popular insurance companies, providing competitively priced coverage in many states.

To help make insurance shopping seamless, we've gathered average policy rates from MetLife and Farmers. These cover a number of rating factors, including credit rating, driving history, and age. Take a look at these rates and find your next car insurance policy today.


Compare Farmers vs. MetLife auto insurance rates


Farmers vs. MetLife: pricing by credit score

If you have very bad credit, Farmers could be the way to go. Typically, Farmers offers more affordable premiums than MetLife for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should lean toward Check out common insurance rates by credit tier for MetLife and Farmers below.


RATES BY CREDIT SCORE: MetLife VS. Farmers
Credit levelFarmers avg. annual premiumMetLife avg. annual premium
Very Poor (300-579)$2,633$3,495
Fair (580-669)$1,736$2,131
Good (670-739)$1,882$1,778
Very Good (740-799)$1,459$1,517
Exceptional (800-850)$1,354$1,293

Farmers vs. MetLife: rates after infractions

If you've got an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving record, Farmers could be a better choice than MetLife. Every insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurer suits you.


HIGH-RISK INSURANCE RATE COMPARISON: MetLife VS. Farmers
CitationFarmers avg. annual premiumMetLife avg. annual premium
At-fault accident (damage < $1,000)$2,334$2,598
At-fault accident (damage > $1,000)$1,699$1,679
DUI/DWI$3,239$3,219
Reckless driving$4,636$3,219
Speeding ticket$2,045$2,085

Farmers vs. MetLife: rates by age

Insurance companies use a driver's age to estimate risk, pricing premiums accordingly. Insurance is usually most expensive for young drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every car insurance company rates age brackets in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose MetLife over Farmers: the former's average annual rates are $84 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: MetLife VS. Farmers
Age tierFarmers avg. annual premiumMetLife avg. annual premium
Teens$6,518$6,434
20s$2,020$2,457
30s$1,543$2,457
40s$1,511$1,590
50s$1,507$1,520
60s$1,402$1,414

Affordability aside, there are myriad pros and cons of both Farmers and MetLife, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonFarmersMetLife
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 ComparisonFarmersMetLife
Financial Strength ExcellentSuperior
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A+

A

Other ProductsFarmersMetLife
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersMetLife
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.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 AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.
Additional DiscountsFarmers offers an additional discount for seniors.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 QuestionsAre some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
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?

I received a ticket for possession of drug paraphernalia in February, but I was not in a vehicle at the ...

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

I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car ...

See More Questions
Compare MoreFarmers vs. 21st Century Farmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. Safe Auto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAAMetLife 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. Farm Bureau Mutual 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 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:

Farmers vs MetLife

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