MetLife vs Safeco: Which is Better for You?
Compare rates from the top car insurance companies in your area.
MetLife or Safeco: 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. Safeco comparison.|
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.
MetLife vs. Safeco: 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.
INSURER RATES BY CREDIT SCORE: SAFECO VS. METLIFE
|Credit score||MetLife avg. annual premium||Safeco avg. annual premium|
|Very Poor (300-579)||$3,495||$5,308|
|Very Good (740-799)||$1,517||$1,871|
MetLife vs. Safeco: by citation
If you are dealing with an at-fault accident, speeding ticket, reckless driving citation, or DUI in your rearview 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.
INSURER RATES BY VIOLATION: SAFECO VS. METLIFE
|Violation||MetLife avg. annual premium||Safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$2,598||$2,546|
|At-fault accident (damage > $1,000)||$1,679||$1,969|
MetLife vs. Safeco: 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.
INSURER RATES BY AGE: SAFECO VS. METLIFE
|Age||MetLife avg. annual premium||Safeco avg. annual premium|
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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||N/A||Average|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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.||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 Assistance||MetLife offers optional Towing & Labor Coverage to reimburse drivers 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 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.||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.|
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