| 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.
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 |
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 |
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 | ||
| 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 Comparison | Liberty Mutual | MetLife |
|---|---|---|
| Financial Strength | Good | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | MetLife |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| 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. |
| Recent Questions |
Why did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.
Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.
What's the difference between a vanishing deductible and accident forgiveness
Let's first summarize the two:
Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.
See More Questions
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If I'm involved in an accident driving my grandmother's car, will the damage be covered?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At-Fault accident.
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| 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 |