MetLife vs American Family: Which is Better for You?
Compare rates from the top car insurance companies in your area.
MetLife or American Family: 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. American Family comparison. |
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Picking an auto insurance company can be tricky: rates fluctuate by driving record, location, and age, and every company provides a different set of discounts. MetLife and American Family are two of the top car insurance companies, selling affordable insurance policies across large portions of America.
To simplify the comparison process, we've gathered average prices from American Family and MetLife. These take into consideration an array of rating factors, including credit score, driving record, and age. Examine these rates and find an affordable policy today.
Looking for more information? Check out our reviews of MetLife and American Family.
MetLife vs. American Family: by credit level
If you have very bad credit, American Family could be the best option for you. On average, American Family offers more affordable rates than MetLife for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800-plus — should opt for View common insurance rates by credit level for American Family and MetLife below.
INSURER RATES BY CREDIT SCORE: AMERICAN FAMILY VS. METLIFE
| Credit level | MetLife avg. annual premium | American Family avg. annual premium |
| Very Poor (300-579) | $3,495 | $1,931 |
| Fair (580-669) | $2,131 | $1,294 |
| Good (670-739) | $1,778 | $1,220 |
| Very Good (740-799) | $1,517 | $1,009 |
| Exceptional (800-850) | $1,293 | $941 |
MetLife vs. American Family: by citation
If you have an at-fault accident, speeding violation, reckless driving violation, or DUI on your record, American Family could be a better choice than MetLife. Every insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer is best for you.
INSURER RATES BY VIOLATION: AMERICAN FAMILY VS. METLIFE
| Infraction | MetLife avg. annual premium | American Family avg. annual premium |
| At-fault accident (damage < $1,000) | $2,598 | $1,763 |
| At-fault accident (damage > $1,000) | $1,679 | $990 |
| DUI/DWI | $3,219 | $1,857 |
| Reckless driving | $3,219 | $1,857 |
| Speeding ticket | $2,085 | $1,270 |
MetLife vs. American Family: by age
Auto insurance companies use age as an indicator of potential risk, pricing policies accordingly. Car insurance is typically most expensive for teen drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Because every car insurance company evaluates ages in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose American Family over MetLife: the former's average annual rates are $2,624 less than the latter's..
INSURER RATES BY AGE: AMERICAN FAMILY VS. METLIFE
| Age tier | MetLife avg. annual premium | American Family avg. annual premium |
| Teens | $6,434 | $3,810 |
| 20s | $2,457 | $1,685 |
| 30s | $1,598 | $1,685 |
| 40s | $1,590 | $1,089 |
| 50s | $1,520 | $1,089 |
| 60s | $1,414 | $986 |
Aside from affordability, MetLife and American Family each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | MetLife | American Family |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) | ||
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| Air Bags |
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| Student Away at School |
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| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase |
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| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
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| Military |
| Ratings Comparison | MetLife | American Family |
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| Financial Strength | Excellent | Excellent |
| JD Power Rankings | N/A | Above average |
| User Satisfaction | N/A | N/A |
| Other Products | MetLife | American Family |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| RV Insurance |
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| Other Features | MetLife | American Family |
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| 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. | American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. |
| Roadside Assistance | MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses. | American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys). |
| 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. | None Available |
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