MetLife vs. Safeco

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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.

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 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.

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
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.

AgeMetLife avg. annual premiumSafeco 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.

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
New Vehicle
Annual Mileage
Ratings ComparisonMetLifeSafeco
Financial Strength ExcellentExcellent
JD Power Rankings Below averageBelow average
User Satisfaction N/AN/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 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 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.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 QuestionsShould I stay with my car insurance company even if I'm getting a better quote from elsewhere?
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