MetLife or Amica Mutual Insurance: 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. Amica comparison. |
Choosing an auto insurance company is sometimes difficult: every company's rates differ based on your location, vehicle, and driving record, and insurers offer a variety of perks. MetLife and Amica are counted among the most popular car insurance companies, selling affordable policies across most of the US.
In an effort to simplify the insurance-shopping process, we've collected typical policy rates from Amica and MetLife. These rates cover myriad rating factors, including credit history, driving infractions, and demographics. Examine these figures and find an affordable policy today.
Want to find out more? Check out our reviews of MetLife and Amica.
Compare MetLife vs. Amica auto insurance rates
MetLife vs. Amica: pricing by credit score
If you have very bad credit, Amica could be the best option for you. On average, Amica offers more affordable rates than MetLife for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or higher — should favor View common insurance costs by credit score for Amica and MetLife below.
RATES BY CREDIT SCORE: AMICA VS. METLIFE
| Credit score | MetLife avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $3,495 | $2,010 |
| Fair (580-669) | $2,131 | $1,389 |
| Good (670-739) | $1,778 | $1,352 |
| Very Good (740-799) | $1,517 | $1,174 |
| Exceptional (800-850) | $1,293 | $1,057 |
MetLife vs. Amica: high-risk insurance rates
If you are carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI on your résumé, Amica could be a better choice than MetLife. Each auto insurance company will handle driving offenses differently, so it's worth comparing quotes to understand which insurer is best for you.
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: AMICA VS. METLIFE
| Violation | MetLife avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $2,598 | $1,646 |
| At-fault accident (damage > $1,000) | $1,679 | $1,152 |
| DUI/DWI | $3,219 | $3,356 |
| Reckless driving | $3,219 | $2,761 |
| Speeding ticket | $2,085 | $1,390 |
MetLife vs. Amica: rates by age
Car insurance companies use a driver's age to outline potential risk, assigning rates accordingly. A car insurance policy is often expensive for teen drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company rates ages in a different way, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose Amica instead of MetLife: the former's average annual rates are $1,068 less than the latter's..
RATES BY AGE: AMICA VS. METLIFE
| Age | MetLife avg. annual premium | Amica avg. annual premium |
| Teens | $6,434 | $5,366 |
| 20s | $2,457 | $1,631 |
| 30s | $1,598 | $1,631 |
| 40s | $1,590 | $1,151 |
| 50s | $1,520 | $1,105 |
| 60s | $1,414 | $1,066 |
Aside from finances, MetLife and Amica come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | MetLife | Amica Mutual Insurance |
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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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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full |
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| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
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| Military |
| Ratings Comparison | MetLife | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | N/A | Excellent |
| User Satisfaction | N/A | N/A |
| Other Products | MetLife | Amica Mutual Insurance |
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| Travel Trailer Insurance |
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