GEICO vs MetLife: Which is Better for You?
Compare rates from the top car insurance companies in your area.
GEICO 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. For more information on Farmers auto and home insurance policies, check out our Farmers vs. GEICO comparison.|
Choosing an auto insurer can be difficult: rates vary by driving record, age, and location, and companies offer an array of discounts. GEICO and MetLife are among the top insurers, providing high-quality policies across many states.
To help take the sting out of shopping for car insurance, we've gathered average premiums from MetLife and GEICO. The below cover an array of rating factors, including credit rating, driving history, and age. Examine these figures and find the right policy for you.
GEICO vs. MetLife: by credit level
If you have very bad credit, GEICO could be preferable to GEICO. On average, GEICO offers cheaper rates than MetLife for prospective clients with credit scores of lower than 580. Those with exceptional credit — a score of 800-plus — should favor GEICO, which typically beats MetLife by $229 per year. Check out average insurance rates by credit score for MetLife and GEICO below.
INSURER RATES BY CREDIT SCORE: METLIFE VS. GEICO
|Credit level||GEICO avg. annual premium||MetLife avg. annual premium|
|Very Poor (300-579)||$2,051||$3,495|
|Very Good (740-799)||$1,120||$1,517|
GEICO vs. MetLife: by citation
If you are saddled with an at-fault collision, ticket, reckless driving violation, or DWI on your driving résumé, GEICO could be a better choice than MetLife. Each car insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer suits you.
INSURER RATES BY VIOLATION: METLIFE VS. GEICO
|Violation||GEICO avg. annual premium||MetLife avg. annual premium|
|At-fault accident (damage < $1,000)||$1,857||$2,598|
|At-fault accident (damage > $1,000)||$1,580||$1,679|
GEICO vs. MetLife: by age
Car insurance companies use age to outline potential risk, assigning rates accordingly. An insurance policy is typically priciest for teens — due to their increased odds of being involved in an accident — and more affordable for drivers aged 25 or older. Because every car insurance company prices age brackets in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose GEICO over MetLife: GEICO offers average yearly savings of $2,926 versusMetLife.
INSURER RATES BY AGE: METLIFE VS. GEICO
|Age tier||GEICO avg. annual premium||MetLife avg. annual premium|
Finances aside, GEICO and MetLife each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||Average||N/A|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||GEICO uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.||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||You can use a mobile app to request service from GEICO's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.||MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses.|
|Additional Discounts||GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company offers the policy feature of accident forgiveness.||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.|
|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|