MetLife vs Erie: Which is Better for You?
Compare rates from the top car insurance companies in your area.
MetLife or Erie: 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. Erie comparison. |
Â
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.
MetLife vs. Erie: 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.
INSURER RATES BY CREDIT SCORE: ERIE VS. METLIFE
| Credit level | MetLife avg. annual premium | Erie 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: by citation
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.
INSURER RATES BY VIOLATION: ERIE VS. METLIFE
| Violation | MetLife avg. annual premium | Erie avg. annual premium |
| At-fault accident (damage < $1,000) | $2,598 | $893 |
| At-fault accident (damage > $1,000) | $1,679 | $772 |
| DUI/DWI | $3,219 | $1,163 |
| Reckless driving | $3,219 | $760 |
| Speeding ticket | $2,085 | $747 |
MetLife vs. Erie: 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..
INSURER RATES BY AGE: ERIE VS. METLIFE
| Age tier | MetLife avg. annual premium | Erie avg. annual premium |
| Teens | $6,434 | $2,238 |
| 20s | $2,457 | $1,108 |
| 30s | $1,598 | $1,108 |
| 40s | $1,590 | $755 |
| 50s | $1,520 | $692 |
| 60s | $1,414 | $676 |
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 Comparison | MetLife | Erie |
|---|---|---|
| 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 | Erie |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | N/A | Excellent |
| User Satisfaction | N/A | N/A |
| Other Products | MetLife | Erie |
|---|---|---|
| Boat Insurance |
|
|
| Condo Insurance |
|
|
| Life Insurance |
|
|
| Homeowners Insurance |
|
|
| Travel Trailer Insurance |
|
|
| Renters Insurance |
|
|
| RV Insurance |
|
|
| Motorcycle Insurance |
|
|
| Mobile Home Insurance |
|
|
| Other Features | MetLife | Erie |
|---|---|---|
| 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. | Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service. |
| Roadside Assistance | MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses. | Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown. |
| 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. | 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. |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia |