| 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. Safe Auto comparison. |
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.
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 level | MetLife avg. annual premium | Safe 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 |
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.
| Citation | MetLife avg. annual premium | Safe Auto avg. annual premium |
| At-fault accident (damage < $1,000) | $2,598 | $2,867 |
| At-fault accident (damage > $1,000) | $1,679 | $2,837 |
| DUI/DWI | $3,219 | $2,867 |
| Reckless driving | $3,219 | $2,867 |
| Speeding ticket | $2,085 | $2,738 |
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 tier | MetLife avg. annual premium | Safe Auto avg. annual premium |
| Teens | $6,434 | $8,262 |
| 20s | $2,457 | $2,764 |
| 30s | $1,598 | $2,764 |
| 40s | $1,590 | $2,053 |
| 50s | $1,520 | $1,862 |
| 60s | $1,414 | $1,707 |
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 Comparison | MetLife | Safe 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 | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | MetLife | Safe Auto |
|---|---|---|
| Financial Strength | Excellent | N/A |
| JD Power Rankings | N/A | N/A |
| User Satisfaction | N/A | N/A |
| Other Products | MetLife | Safe Auto |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | MetLife | Safe Auto |
|---|---|---|
| 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. | Safe Auto strives to provide affordable insurance to every driver, no matter the situation. |
| Roadside Assistance | MetLife 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 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. | 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 Questions |
If I'm involved in an accident driving my grandmother's car, will the damage be covered?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At-Fault accident.
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Should 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 deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible.
See More Questions
|
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