Liberty Mutual vs MetLife: Which is Better 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.

INSURER RATES BY CREDIT SCORE: METLIFE VS. LIBERTY MUTUAL

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.

INSURER RATES BY VIOLATION: METLIFE VS. LIBERTY MUTUAL

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..

INSURER RATES BY AGE: METLIFE VS. LIBERTY MUTUAL

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.