MetLife vs. Safe Auto

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MetLife or Safe Auto:
Which Company is Best for You?

Choosing a car insurance company can be tough: rates fluctuate by driving record, age, and location, and insurers offer a variety of perks. MetLife and Safe Auto are two of America's most popular insurance companies, providing competitively priced policies in most US states.

To help make insurance shopping seamless, we have collected average prices from Safe Auto and MetLife. The below rates cover an array of pricing components, chief among which are credit score, driving record, and demographics. Examine these figures and find the perfect policy for you.

Go in-depth: Check out our full reviews of MetLife and Safe Auto.


Compare MetLife vs. Safe Auto auto insurance rates


MetLife vs. Safe Auto: pricing by credit score

If you have very poor credit, MetLife could be the best option for you. On average, MetLife offers better rates than Safe Auto for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or higher — should consider MetLife, which typically beats Safe Auto by $628 per year. Check out typical insurance costs by credit score for Safe Auto and MetLife below.

Credit levelMetLife avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$3,495$3,799
Fair (580-669)$2,131$2,483
Good (670-739)$1,778$3,358
Very Good (740-799)$1,517$1,937
Exceptional (800-850)$1,293$1,921

MetLife vs. Safe Auto: high-risk driver rates

If you're dealing with an at-fault crash, speeding violation, reckless driving citation, or DUI on your driving record, MetLife could be a better choice than Safe Auto. Each insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurer is best for you.

CitationMetLife avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$2,598$2,867
At-fault accident (damage > $1,000)$1,679$2,837
Reckless driving$3,219$2,867
Speeding ticket$2,085$2,738

MetLife vs. Safe Auto: rates by age bracket

Insurers use age to outline potential risk, pricing policies on a sliding scale. Auto insurance is typically more expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because every auto insurance company evaluates age brackets in a different way, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose MetLife instead of Safe Auto: MetLife offers average yearly savings of $1,828 versusSafe Auto.

Age tierMetLife avg. annual premiumSafe Auto avg. annual premium

Cost aside, there are myriad pros and cons of both MetLife and Safe Auto, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonMetLifeSafe Auto
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 ComparisonMetLifeSafe Auto
Financial Strength ExcellentN/A
JD Power Rankings Below averageN/A
User Satisfaction N/AN/A
Other ProductsMetLifeSafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeSafe Auto
AboutProtect 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.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
Roadside AssistanceMetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
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.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsShould I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Do I pay a deductible for a liability claim?
You are not responsible for a&nbsp;deductible&nbsp;unless you have&nbsp;comprehensive&nbsp;and&nbsp;collision&nbsp;coverage. Since you only have&nbsp;liability, the damages to your car will not be covered which means there is no&nbsp;deductible.
See More Questions
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