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.
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.
| 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 |
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.
| 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 |
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..
| 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 |
|---|---|---|
| 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 Comparison | MetLife | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | MetLife | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | MetLife | Amica Mutual Insurance |
|---|---|---|
| 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. | At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service. |
| Roadside Assistance | MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses. | Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility. |
| 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. | Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy. |
| 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 | Should I drop my 25yo son from insurance? To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy. Should I get my insurance company involved or pay for the damage myself if I backed into a tree?It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company. See More Questions |
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