MetLife vs. SAFECO insurance

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MetLife or Safeco:
Which Company is Best for You?

Deciding on a car insurer is difficult: rates fluctuate by driving record, age, and location, and every company provides a different set of discounts. MetLife and safeco are two of the most popular insurance companies, selling affordable policies across large swaths of the US.

To make shopping for car insurance easier, we collected average insurance rates from safeco and MetLife. These take into account myriad rating factors, including credit rating, driving history, and age. Compare rates and find an affordable policy today.

Seeking more info? Consult our comprehensive reviews of MetLife and Safeco.


Compare MetLife vs. safeco auto insurance rates


MetLife vs. safeco: prices by credit level

If you have very poor credit, MetLife could be a better option for you. Typically, MetLife offers lower premiums than safeco for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800 or higher — should consider MetLife, which typically beats safeco by $362 per year. View average insurance costs by credit level for safeco and MetLife below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: safeco VS. MetLife
Credit scoreMetLife avg. annual premiumsafeco avg. annual premium
Very Poor (300-579)$3,495$5,308
Fair (580-669)$2,131$2,716
Good (670-739)$1,778$1,967
Very Good (740-799)$1,517$1,871
Exceptional (800-850)$1,293$1,655

MetLife vs. safeco: costs for high-risk drivers

If you are dealing with an at-fault accident, speeding ticket, reckless driving citation, or DUI in your rear view mirror, safeco could be a better choice than MetLife. Each car insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurance company suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: safeco VS. MetLife
ViolationMetLife avg. annual premiumsafeco avg. annual premium
At-fault accident (damage < $1,000)$2,598$2,546
At-fault accident (damage > $1,000)$1,679$1,969
DUI/DWI$3,219$2,796
Reckless driving$3,219$2,853
Speeding ticket$2,085$2,512

MetLife vs. safeco: rates by age

Auto insurance companies use age to estimate risk, pricing policies on a sliding scale. A car insurance policy is usually most expensive for beginning and young drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every insurance company rates age tiers uniquely, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose MetLife before safeco: MetLife offers average yearly savings of $1,331, compared to safeco.


AGE BRACKET INSURANCE RATE COMPARISON: safeco VS. MetLife
AgeMetLife avg. annual premiumsafeco avg. annual premium
Teens$6,434$7,765
20s$2,457$2,566
30s$1,598$2,566
40s$1,590$2,128
50s$1,520$1,745
60s$1,414$1,687

Setting aside cost, MetLife and safeco each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonMetLifeSafeco
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 ComparisonMetLifeSafeco
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsMetLifeSafeco
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeSafeco
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.Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.
Roadside AssistanceMetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.
Additional DiscountsMetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss.Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.
Recent QuestionsWhose insurance pays for an accident after running a stop sign?
Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers.
Who is at fault if I opened my car door and it was hit by another driver?
In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.
Will a paraphernalia charge impact my auto insurance rate?
Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.
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.
See More Questions
What can I do about fixing incorrect information on my driving record?
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.
If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.
Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.
Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.
See More Questions
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