| 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. Nationwide comparison. |
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 | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| 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 | Auto Insurance from Nationwide gives you peace of mind when you're on the road. Save money without sacrificing coverage by participating in one of our usage-based discount programs, and save even more with multi-policy discounts. With our On Your Side Claims® Service, you'll get a written guarantee on repairs and a choice of qualified car repair shops you can trust. | 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 reimburse drivers 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 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. |
| Recent Questions |
Can I get an EMT discount with Nationwide?
To my knowledge, Nationwide does offer discounts to EMT but I'm not 100% if there are any specifics to the state of California. Because car insurance is regulated at the state, there could be some implications regarding California's state legislation that would prohibit employment status from being considered.
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.
Is accident forgiveness a good idea for me?
You might be a good contender for this policy option. Most lease contracts will require you to keep the vehicle in good condition.
See More 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.
See More Questions
|
| Compare More | Nationwide vs. 21st Century Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Insurance Nationwide vs. Safe Auto Nationwide vs. Safeco Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA | MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Mercury MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. Safe Auto MetLife vs. Safeco MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |