Liberty Mutual vs. MetLife
Compare rates from the top car insurance companies in your area.
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: rate comparison
Liberty Mutual vs. MetLife: rates 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.
RATES BY CREDIT LEVEL: 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: rates after infractions
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.
HIGH-RISK INSURANCE RATE COMPARISON: 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: rates 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..
COMPARING AUTO INSURANCE 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.
| Discount Comparison | Liberty Mutual | MetLife |
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| Good Student |
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| Multiple Vehicles |
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| Green Vehicles |
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| Affinity Membership Alum |
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| Pay in Full |
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| Ratings Comparison | Liberty Mutual | MetLife |
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| Financial Strength | Good | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | MetLife |
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| Other Features | Liberty Mutual | MetLife |
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| 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.
See More Questions
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