MetLife vs Amica: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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.
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.
INSURER 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|
|Very Good (740-799)||$1,517||$1,174|
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.
INSURER RATES BY VIOLATION: 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|
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..
INSURER RATES BY AGE: AMICA VS. METLIFE
|Age||MetLife avg. annual premium||Amica avg. annual premium|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||MetLife||Amica Mutual Insurance|
|JD Power Rankings||N/A||Excellent|
|Other Products||MetLife||Amica Mutual Insurance|
|Travel Trailer 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.|
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