Farmers vs. MetLife

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Farmers or MetLife:
Which Company is Best for You?

Picking a car insurer can be hard: every company's rates differ based on your driving history, age, and location, and every company's discounts differ. Farmers and MetLife are counted among the most popular insurance companies, offering competitively priced coverage in most regions.

To make insurance shopping seamless, we collected average prices from MetLife and Farmers. The below rates cover a number of rating factors, including credit, driving history, and age. Examine these figures and find your next car insurance policy today.

Seeking more information? Check out our reviews of Farmers and MetLife.


Farmers vs. MetLife: insurance rate comparison


Farmers vs. MetLife: rates by credit level

If you have extremely bad credit, Farmers could be the best option for you. Typically, Farmers offers more affordable prices than MetLife for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or better — should lean toward View typical insurance rates by credit level for MetLife and Farmers below.

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: high-risk driver rates

If you're dealing with an at-fault collision, speeding violation, reckless driving citation, or DUI on your driving résumé, Farmers could be a better choice than MetLife. Every insurer will handle driving offenses differently, so don't hesitate to shop around to figure out which insurer is best for you.

ViolationFarmers 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
Reckless driving$4,636$3,219
Speeding ticket$2,045$2,085

Farmers vs. MetLife: rates by age

Insurers rely on age to indicate risk, assigning rates accordingly. A car insurance policy is often expensive for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Since every insurance company evaluates ages differently, it's wise to compare rates and find great coverage.

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

Age tierFarmers avg. annual premiumMetLife avg. annual premium

Aside from finances, Farmers and MetLife each come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

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
New Vehicle
Annual Mileage
Ratings ComparisonFarmersMetLife
Financial Strength ExcellentExcellent
JD Power Rankings Below averageBelow average
User Satisfaction 4.3/54.3/5
Other ProductsFarmersMetLife
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesFarmersMetLife
Roadside Assistance
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 in which a driver doesn't make a claim, up to a maximum of $250 that can be put toward the deductible in the event of a covered loss.
Recent QuestionsShould senior citizens carry collision insurance?
Thanks for the question! Comprehensive and collision are not state-mandated coverages. Though if she is financing the vehicle she would need to carry these coverages for her loan in most&nbsp;cases.
Will PIP pay for my medical bills?
Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
See More Questions
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