Liberty Mutual vs MetLife: Which is Better for You?

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Liberty Mutual 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. Liberty Mutual comparison. 


Choosing a car insurance company can be tough: every company's rates differ based on your location, age, and driving history, and every company's discounts differ. Liberty Mutual and MetLife are two of the top auto insurance companies, offering competitively priced coverage in many states.

In an effort to simplify the process of comparing insurance companies, we collected typical rates from MetLife and Liberty Mutual. These take into consideration an array of rating factors, including credit, driving history, and demographics. Examine these figures and find the perfect policy for you.

Looking for more information? Check out our reviews of Liberty Mutual and MetLife.


Liberty Mutual vs. MetLife: by credit level

If you have extremely bad credit, Liberty Mutual could be a better option for you. On average, Liberty Mutual offers lower rates than MetLife for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800 or better — should favor View average insurance rates by credit level for MetLife and Liberty Mutual below.

Credit score Liberty Mutual avg. annual premium MetLife avg. annual premium
Very Poor (300-579) $3,228 $3,495
Fair (580-669) $2,276 $2,131
Good (670-739) $2,109 $1,778
Very Good (740-799) $1,878 $1,517
Exceptional (800-850) $1,792 $1,293

Liberty Mutual vs. MetLife: by citation

If you're dealing with an at-fault accident, speeding ticket, reckless driving violation, or DUI on your record, MetLife could be a better choice than Liberty Mutual. Every car insurance company prices its policies differently, so always do your due diligence and compare quotes to find out which insurance company suits you.

Infraction Liberty Mutual avg. annual premium MetLife avg. annual premium
At-fault accident (damage < $1,000) $2,776 $2,598
At-fault accident (damage > $1,000) $2,112 $1,679
DUI/DWI $4,182 $3,219
Reckless driving $3,459 $3,219
Speeding ticket $2,068 $2,085

Liberty Mutual vs. MetLife: by age

Insurance companies use a driver's age to indicate risk, pricing premiums accordingly. Car insurance is often priciest for young drivers — due to their increased odds of being involved in an accident — and most affordable for drivers aged 25 or older. Since each insurance company rates ages in a different way, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose MetLife over Liberty Mutual: the former's average annual rates are $125 less than the latter's..

Age Liberty Mutual avg. annual premium MetLife avg. annual premium
Teens $6,559 $6,434
20s $2,686 $2,457
30s $1,942 $2,457
40s $1,926 $1,590
50s $1,793 $1,520
60s $1,746 $1,414

Affordability aside, Liberty Mutual and MetLife each have 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 Liberty Mutual 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
Good Driver supported supported
Defensive Driver
Student Away at School supported
Driver Training
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported
Home Owner supported
eSign or ePay
Telematics supported supported
New Vehicle
Annual Mileage
Military supported
Ratings Comparison Liberty Mutual MetLife
Financial Strength Question mark icon Good Excellent
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Liberty Mutual 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 Liberty Mutual MetLife
About Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need. 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 Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with purchase of optional Towing & Labor coverage. MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses.
Additional Discounts Liberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year. 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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