Nationwide vs. MetLife

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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 SuperiorExcellent
JD Power Rankings Above averageBelow average
User Satisfaction 4.3/54.3/5
Other ProductsNationwideMetLife
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNationwideMetLife
About
Roadside Assistance
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 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 QuestionsCan 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
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