Nationwide vs. MetLife insurance

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Nationwide vs. MetLife insurance

Nationwide
$115/mo

Average price per month

3.5 Rating from The Zebra

MetLife
$130/mo

Average price per month

3.5 Rating from The Zebra

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Nationwide or MetLife:
Which Company is Best for You?

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 scoreNationwide avg. annual premiumMetLife 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
InfractionNationwide avg. annual premiumMetLife 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 bracketNationwide avg. annual premiumMetLife 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 ComparisonNationwideMetLife
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 ComparisonNationwideMetLife
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

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Other FeaturesNationwideMetLife
AboutAuto insurance from Nationwide gives you peace of mind. When you choose an On Your Side Auto Repair Network® facility, you can get a written guarantee on your car repairs. With our On Your Side Claims® Service, you also get personal service like the On Your Side® Review, an annual check-in with your insurance professional to review your coverage. And with multi-policy and other discounts, such as the SmartRide® and SmartMiles® usage-based programs, you get peace of mind and value.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 AssistanceNationwide'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 DiscountsNationwide 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 QuestionsWhat'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 information
The 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.
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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.
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