GEICO vs MetLife Car Insurance

Compare rates from the top car insurance companies in your area.

Location pin icon
Your information is secure.

GEICO or MetLife:
Which Company is Best for You?

Choosing an auto insurer can be difficult: rates vary by driving record, age, and location, and companies offer an array of discounts. GEICO and MetLife are among the top insurers, providing high-quality policies across many states.

To help take the sting out of shopping for car insurance, we've gathered average premiums from MetLife and GEICO. The below cover an array of rating factors, including credit rating, driving history, and age. Examine these figures and find the right policy for you.

Take a deep dive: Check out our comprehensive reviews of GEICO and MetLife.


Comparing car insurance rates: GEICO vs. MetLife


GEICO vs. MetLife: prices by credit level

If you have very bad credit, GEICO could be preferable to GEICO. On average, GEICO offers cheaper rates than MetLife for prospective clients with credit scores of lower than 580. Those with exceptional credit — a score of 800-plus — should favor GEICO, which typically beats MetLife by $229 per year. Check out average insurance rates by credit score for MetLife and GEICO below.


RATES BY CREDIT SCORE: MetLife VS. GEICO
Credit levelGEICO avg. annual premiumMetLife avg. annual premium
Very Poor (300-579)$2,051$3,495
Fair (580-669)$1,358$2,131
Good (670-739)$1,485$1,778
Very Good (740-799)$1,120$1,517
Exceptional (800-850)$1,064$1,293

GEICO vs. MetLife: costs for high-risk drivers

If you are saddled with an at-fault collision, ticket, reckless driving violation, or DWI on your driving résumé, GEICO could be a better choice than MetLife. Each car insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer suits you.


RATES BY CITATION: MetLife VS. GEICO
ViolationGEICO avg. annual premiumMetLife avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,598
At-fault accident (damage > $1,000)$1,580$1,679
DUI/DWI$2,550$3,219
Reckless driving$2,238$3,219
Speeding ticket$1,395$2,085

GEICO vs. MetLife: rates by age

Car insurance companies use age to outline potential risk, assigning rates accordingly. An insurance policy is typically priciest for teens — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Because every car insurance company prices age brackets in a different way, it's a smart move to shop around.

As a general rule, teen drivers should choose GEICO over MetLife: GEICO offers average yearly savings of $2,926 versusMetLife.


AGE BRACKET INSURANCE RATE COMPARISON: MetLife VS. GEICO
Age tierGEICO avg. annual premiumMetLife avg. annual premium
Teens$3,508$6,434
20s$1,438$2,457
30s$1,218$2,457
40s$1,189$1,590
50s$1,160$1,520
60s$1,065$1,414

Finances aside, GEICO and MetLife each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonGEICOMetLife
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 ComparisonGEICOMetLife
Financial Strength SuperiorSuperior
JD Power Rankings
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
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+

Other ProductsGEICOMetLife
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOMetLife
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.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 AssistanceYou can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.
Additional DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.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 QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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 MoreGEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root Insurance GEICO vs. Safe Auto GEICO vs. Safeco GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO 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. Farmers MetLife vs. Foremost 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 California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

GEICO vs MetLife

Chevron left icon
Chevron right icon