GEICO vs MetLife

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GEICO or MetLife:
Which Company is Best for You?

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.

Take a deep dive: Check out our comprehensive reviews of GEICO and MetLife.

 

Comparing car insurance rates: GEICO vs. MetLife

 

GEICO vs. MetLife: prices 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.

 
RATES BY CREDIT SCORE: METLIFE VS. GEICO
Credit levelGEICO avg. annual premiumMetLife avg. annual premium
Very Poor (300-579)$2,051$3,495
Fair (580-669)$1,358$2,131
Good (670-739)$1,485$1,778
Very Good (740-799)$1,120$1,517
Exceptional (800-850)$1,064$1,293
 

GEICO vs. MetLife: costs for high-risk drivers

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.

 
RATES BY CITATION: METLIFE VS. GEICO
ViolationGEICO avg. annual premiumMetLife avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,598
At-fault accident (damage > $1,000)$1,580$1,679
DUI/DWI$2,550$3,219
Reckless driving$2,238$3,219
Speeding ticket$1,395$2,085
 

GEICO vs. MetLife: rates 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.

 
AGE BRACKET INSURANCE RATE COMPARISON: METLIFE VS. GEICO
Age tierGEICO avg. annual premiumMetLife avg. annual premium
Teens$3,508$6,434
20s$1,438$2,457
30s$1,218$2,457
40s$1,189$1,590
50s$1,160$1,520
60s$1,065$1,414
 

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.

Discount ComparisonGEICOMetLife
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 ComparisonGEICOMetLife
Financial Strength SuperiorExcellent
JD Power Rankings Above averageBelow average
User Satisfaction 4.4/54.4/5
Other ProductsGEICOMetLife
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOMetLife
AboutGEICO 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 AssistanceYou 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 DiscountsGEICO 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.
Recent QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
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