MetLife vs Amica: Which is Better for You?

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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.


MetLife vs. Amica: pricing by credit level

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

MetLife vs. Amica: by citation

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

MetLife vs. Amica: 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..

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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported supported
Student Away at School supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase
Pay in Full supported
Home Owner
eSign or ePay
New Vehicle
Annual Mileage
Ratings Comparison MetLife Amica Mutual Insurance
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon N/A Excellent
User Satisfaction Question mark icon N/A N/A
Other Products MetLife Amica Mutual Insurance
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported
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.
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