Nationwide or MetLife: 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. 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.
Nationwide vs. MetLife: rate comparison
Nationwide vs. MetLife: prices by credit level
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.
RATES BY CREDIT LEVEL: METLIFE VS. NATIONWIDE
| 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 |
Nationwide vs. MetLife: costs for high-risk drivers
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.
HIGH-RISK INSURANCE RATE COMPARISON: METLIFE VS. NATIONWIDE
| 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 |
Nationwide vs. MetLife: rates by age
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 INSURANCE RATE COMPARISON: METLIFE VS. NATIONWIDE
| 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 |
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| Ratings Comparison | Nationwide | MetLife |
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| Financial Strength | Superior | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Nationwide | MetLife |
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| Other Features | Nationwide | MetLife |
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| 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. |
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| 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 |