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.
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 |
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 |
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 | ||
| 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 | Farmers | MetLife |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Farmers | MetLife |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Farmers | MetLife |
|---|---|---|
| About | Farmers 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 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 help reimburse you 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 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 | Are some insurance providers better suited to my needs than others to get the best rate? Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle. 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 turnpikeAlthough 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. Will insurance cover someone other than the insured?While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary. See More 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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