GEICO vs MetLife Car Insurance

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GEICO or MetLife:
Which Company is Best for You?

Deciding on an auto insurance company can be hard: rates fluctuate based on your location, age, and driving history, and every company's discounts differ. GEICO and MetLife are two of the US' most popular auto insurance companies, selling competitively priced policies across large portions of the US.

In an effort to make shopping for car insurance easier, we pulled average insurance premiums from MetLife and GEICO. These take into consideration myriad pricing factors, including credit quality, driving behavior, and age. Take a look at these rates and find an affordable policy today.

 

Compare GEICO vs. MetLife auto insurance rates

 

GEICO vs. MetLife: prices by credit level

If you have very poor credit, GEICO could be preferable to GEICO. Typically, GEICO offers better rates than MetLife for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or better — should lean toward GEICO, which typically beats MetLife by $229 annually. View common insurance rates by credit score for MetLife and GEICO below.

 

RATES BY CREDIT SCORE: MetLife VS. GEICO
Credit scoreGEICO 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 carrying an at-fault accident, ticket, reckless driving violation, or DUI on your record, GEICO could be a better choice than MetLife. Every insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to find out which insurer is best for you.

 

HIGH-RISK INSURANCE RATE COMPARISON: MetLife VS. GEICO
InfractionGEICO 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 bracket

Insurance companies rely on a driver's age to estimate risk, pricing premiums accordingly. Insurance is commonly more expensive for drivers younger than 25 — thanks to their inexperience — and relatively affordable for drivers aged 25 or older. Because every car insurance company evaluates age brackets uniquely, it's smart to shop around and find the perfect policy for you.

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

 

COMPARING AUTO INSURANCE RATES BY AGE: 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 have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, 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 QuestionsCan I get accident forgiveness after an accident?

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Does State Farm match auto insurance quotes with other companies?

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Will Geico increase my rates if I file a windshield claim?

Not further question....

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

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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 GEICO vs. SAFECO GEICO vs. Safe Auto 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. 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:

GEICO vs MetLife

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