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 | Above average | Below average |
| 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 |