MetLife vs. Erie

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MetLife or Erie:
Which Company is Best for You?

Picking an auto insurer can be complicated: rates can fluctuate by driving history, location, and age, and insurers offer a variety of perks. MetLife and Erie are two of the most popular insurance companies, offering affordable coverage in most states.

In an effort to make shopping for car insurance easier, we've gathered average rates from Erie and MetLife. The below rates cover myriad rating factors, including credit rating, driving history, and age. Examine these rates and find an affordable policy today.

Want to learn more? Read full-length reviews of MetLife and Erie.


Compare MetLife vs. Erie auto insurance rates


MetLife vs. Erie: premiums by credit level

If you have very bad credit, Erie could be a better option for you. On average, Erie offers more affordable prices than MetLife for drivers with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or higher — should opt for Check out average insurance costs by credit level for Erie and MetLife below.

Credit levelMetLife avg. annual premiumErie avg. annual premium
Very Poor (300-579)$3,495$2,402
Fair (580-669)$2,131$1,040
Good (670-739)$1,778$894
Very Good (740-799)$1,517$743
Exceptional (800-850)$1,293$726

MetLife vs. Erie: costs for high-risk drivers

If you're dealing with an at-fault accident, speeding ticket, reckless driving violation, or DUI on your record, Erie could be a better choice than MetLife. Every auto insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.

ViolationMetLife avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$2,598$893
At-fault accident (damage > $1,000)$1,679$772
Reckless driving$3,219$760
Speeding ticket$2,085$747

MetLife vs. Erie: rates by age

Insurance companies use age to estimate risk, assigning rates accordingly. A car insurance policy is usually expensive for young drivers — because of their inexperience — and more affordable for middle-aged drivers. Since each insurance company evaluates ages differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Erie before MetLife: the former's average annual rates are $4,196 less than the latter's..

Age tierMetLife avg. annual premiumErie avg. annual premium

Costs aside, MetLife and Erie each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonMetLifeErie
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
New Vehicle
Annual Mileage
Ratings ComparisonMetLifeErie
Financial Strength ExcellentSuperior
JD Power Rankings Below averageAbove average
User Satisfaction N/AN/A
Other ProductsMetLifeErie
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeErie
Roadside Assistance
Additional DiscountsMetLife 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.Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.
Recent QuestionsWill Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
See More Questions
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