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Picking a car insurance company is complex: rates can fluctuate by driving record, age, and location, and companies offer an array of discounts. Nationwide and MetLife are two of the most popular auto insurance companies, selling competitively priced coverage in many states.
In an effort to simplify the comparison process, we gathered average premiums from MetLife and Nationwide. These take into consideration a number of rating factors, including credit history, driving history, and demographics. Compare rates and find your next car insurance policy today.
Want to find out more? Read our full reviews of Nationwide and MetLife.
If you have very poor credit, Nationwide could be preferable to Nationwide. On average, Nationwide offers lower prices than MetLife for drivers with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should lean toward Nationwide, which typically beats MetLife by $256 annually. View average insurance rates by credit score for MetLife and Nationwide below.
| Credit score | Nationwide avg. annual premium | MetLife avg. annual premium |
| Very Poor (300-579) | $1,593 | $3,495 |
| Fair (580-669) | $1,262 | $2,131 |
| Good (670-739) | $1,283 | $1,778 |
| Very Good (740-799) | $1,109 | $1,517 |
| Exceptional (800-850) | $1,037 | $1,293 |
If you're carrying an at-fault accident, ticket, reckless driving citation, or DUI offense on your résumé, Nationwide could be a better choice than MetLife. Each insurance company will handle driving offenses differently, so it's worth comparing quotes to understand which insurer suits you.
| Infraction | Nationwide avg. annual premium | MetLife avg. annual premium |
| At-fault accident (damage < $1,000) | $1,836 | $2,598 |
| At-fault accident (damage > $1,000) | $1,475 | $1,679 |
| DUI/DWI | $2,691 | $3,219 |
| Reckless driving | $2,508 | $3,219 |
| Speeding ticket | $1,469 | $2,085 |
Insurance companies use a driver's age to estimate risk, assigning rates accordingly. Car insurance is usually priciest for teens — because of their inexperience — and more affordable for middle-aged drivers. Because every auto insurance company rates age brackets differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Nationwide instead of MetLife: NATIONWIDE offers average yearly savings of $2,810, compared to MetLife.
| Age bracket | Nationwide avg. annual premium | MetLife avg. annual premium |
| Teens | $3,624 | $6,434 |
| 20s | $1,582 | $2,457 |
| 30s | $1,163 | $2,457 |
| 40s | $1,151 | $1,590 |
| 50s | $1,114 | $1,520 |
| 60s | $1,028 | $1,414 |
Costs aside, there are myriad pros and cons of both Nationwide and MetLife, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | Nationwide | MetLife |
|---|---|---|
| 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 | Nationwide | MetLife |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | Nationwide | MetLife |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Nationwide | MetLife |
|---|---|---|
| About | Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service. | 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. |
| Roadside Assistance | Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home. | MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses. |
| Additional Discounts | Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family. | MetLife 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. |
| Recent Questions | What's the ADOT code for Nationwide The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014. Will an insurance company tell me if someone has paid a loan off?Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle. I was rear-ended but the driver drove off before we exchanged informationThe safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information. If I hit an uninsured driver, can he go after me for damages?Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault. See More Questions | Whose 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 |
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| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |