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.
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.
| Credit level | Farm Bureau Mutual avg. annual premium | MetLife 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 |
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.
| Infraction | Farm Bureau Mutual avg. annual premium | MetLife 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 |
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.
| Age | Farm Bureau Mutual avg. annual premium | MetLife 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 Comparison | Farm Bureau Mutual | 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 Comparison | Farm Bureau Mutual | MetLife |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A | A+ |
| Other Products | Farm Bureau Mutual | MetLife |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Farm Bureau Mutual | MetLife |
|---|---|---|
| About | Farm 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. | Protect yourself and your family with custom-fit car insurance from MetLife Auto & Home®. Be covered in case of an accident or theft and save big by combining auto and home insurance. Get a quote. |
| Roadside Assistance | Farm 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 Discounts | None Available | 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 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 | |
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