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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 | Excellent | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| 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 the purchase of optional Towing & Labor coverage. | MetLife offers optional Towing & Labor Coverage to help reimburse you 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 you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have 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 forgivenessSimply put: 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. Insurer refuses to give me my money backI would try calling back again. It could be that the agent you spoke with was misinformed. See More Questions | Whose insurance pays for an accident after running a stop sign? Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers. Who is at fault if I opened my car door and it was hit by another driver?In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies. Will a paraphernalia charge impact my auto insurance rate?Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself. 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. See More Questions |
| Compare More | Liberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. Safe Auto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAA | MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Mercury MetLife vs. Nationwide MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. Safe Auto MetLife vs. Safeco MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA |
| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |