MetLife vs. Allied

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MetLife or Allied: 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. Allied comparison. 


Choosing an auto insurance company is complex: companies' rates differ by driving history, location, and age, and every company provides a different set of discounts. MetLife and Allied are counted among the US' top insurance companies, providing competitively priced insurance policies across many states.

To take the sting out of shopping for car insurance, we gathered average rates from Allied and MetLife. The below cover a variety of rating factors, including credit, driving record, and age. Check out the below rates and find your next car insurance policy today.

Take a deep dive: Read our comprehensive reviews of MetLife and Allied.


Comparing car insurance rates: MetLife vs. Allied


MetLife vs. Allied: by credit level

If you have very poor credit, Allied could be the way to go. On average, Allied offers lower prices than MetLife for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800 or better — should lean toward View typical insurance rates by credit level for Allied and MetLife below.

Credit score MetLife avg. annual premium Allied avg. annual premium
Very Poor (300-579) $3,495 $1,483
Fair (580-669) $2,131 $1,097
Good (670-739) $1,778 $1,104
Very Good (740-799) $1,517 $920
Exceptional (800-850) $1,293 $857

MetLife vs. Allied: costs for high-risk drivers

If you're carrying an at-fault collision, ticket, reckless driving violation, or DUI on your résumé, Allied could be a better choice than MetLife. Every insurer prices policies differently after a violation, so it's worth comparing quotes to figure out which insurer is best for you.

Violation MetLife avg. annual premium Allied avg. annual premium
At-fault accident (damage < $1,000) $2,598 $1,662
At-fault accident (damage > $1,000) $1,679 $1,221
DUI/DWI $3,219 $2,708
Reckless driving $3,219 $2,708
Speeding ticket $2,085 $1,232

MetLife vs. Allied: rates by age

Auto insurance companies use age as an estimator of risk, pricing premiums accordingly. Insurance is often expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Since every insurance company rates age tiers in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Allied over MetLife: the former's average annual rates are $2,908 less than the latter's..

RATES BY AGE: Allied VS. MetLife
Age MetLife avg. annual premium Allied avg. annual premium
Teens $6,434 $3,526
20s $2,457 $1,392
30s $1,598 $1,392
40s $1,590 $959
50s $1,520 $915
60s $1,414 $832

Aside from affordability, MetLife and Allied 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 MetLife Allied
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
New Vehicle
Annual Mileage
Ratings Comparison MetLife Allied
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon N/A N/A
User Satisfaction Question mark icon N/A N/A
Other Products MetLife Allied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features MetLife Allied
About 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. Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside Assistance MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses. Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional Discounts 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. Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent Questions 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
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