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.

 
RATES BY CREDIT LEVEL: 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: 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.

 
RATES BY CITATION: METLIFE VS. FARMERS
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
DUI/DWI$3,239$3,219
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..

 
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
 

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
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonFarmersMetLife
Financial Strength ExcellentSuperior
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

A+

A+

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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.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 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 reimburse drivers 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 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.
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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.
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