GEICO vs. MetLife

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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.

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 level GEICO avg. annual premium MetLife 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
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
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 tier GEICO avg. annual premium MetLife 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 Comparison GEICO 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 supported
Student Away at School
Driver Training supported
Green Vehicles
Affinity Membership Alum supported supported
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage
Military supported
Ratings Comparison GEICO MetLife
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.4/5 4.4/5
Other Products GEICO 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 GEICO MetLife
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.
Recent Questions Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive coverage, it should cover any damages caused by debris.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
Do I claim my stolen vehicle with Lyft or GEICO?
One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information.
Will a hit and run impact my car insurance premium in CA?
Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident.
See More Questions
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