Farmers vs MetLife: Which is Better for You?

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Farmers or MetLife: Which company is best for you?

Important note: As of April 2021, The Farmers Insurance Group has acquired all MetLife auto and homeowners policies. MetLife Auto & Home is no longer affiliated with MetLife, Inc and policyholders will use Farmers services to manage their accounts.


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: 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 level Farmers avg. annual premium MetLife 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: by citation

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.

Violation Farmers avg. annual premium MetLife 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: 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 tier Farmers avg. annual premium MetLife 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 Comparison Farmers MetLife
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver
Student Away at School supported
Driver Training
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase
Pay in Full
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage
Ratings Comparison Farmers MetLife
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Excellent N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Farmers MetLife
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
Other Features Farmers MetLife
About Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, 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 Assistance Farmer'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 Discounts Farmers 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.
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