MetLife vs. American Family insurance

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MetLife or American Family:
Which Company is Best for You?

MetLife vs. American Family insurance

Average monthly car insurance rate
Driver ProfileMetLifeAmerican Family
At-Fault Accident (past 12 months)$242$170Save $72
Good Credit (670-739)$130$113Save $17
Bad Credit (300-579)$130Save $60$190
Low-Mileage Driver (<7,500 miles/year)$125$110Save $15

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.


Compare MetLife vs. American Family auto insurance rates


MetLife vs. American Family: pricing by credit score

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.


CREDIT SCORE INSURANCE RATE COMPARISON: AMERICAN FAMILY VS. METLIFE
Credit levelMetLife avg. annual premiumAmerican 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: high-risk driver rates

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.


RATES BY VIOLATION: AMERICAN FAMILY VS. METLIFE
InfractionMetLife avg. annual premiumAmerican 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: rates 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..


AGE BRACKET INSURANCE RATE COMPARISON: AMERICAN FAMILY VS. METLIFE
Age tierMetLife avg. annual premiumAmerican 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 ComparisonMetLifeAmerican Family
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 ComparisonMetLifeAmerican Family
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A

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Other FeaturesMetLifeAmerican Family
AboutProtect 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 AssistanceMetLife offers optional Towing & Labor Coverage to help reimburse you 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 DiscountsMetLife 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.None Available
Recent QuestionsWhose 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
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