Progressive vs MetLife: Which is Better for You?

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Progressive 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. Progressive comparison. 


Deciding on an auto insurance company can be tough: the rates each insurer offers can vary widely by location, vehicle, and driving record, and every company provides a different set of discounts. Progressive and MetLife are two of the nation's top auto insurance companies, offering high-quality insurance policies across large portions of the US.

To simplify the insurance-shopping process, we pulled average costs from MetLife and Progressive. These cover myriad rating factors, including credit rating, driving history, and demographics. Compare rates and find the right policy for you.

Seeking additional insights? Check out our comprehensive reviews of Progressive and MetLife.


Progressive vs. MetLife: by credit level

If you have extremely bad credit, MetLife could be preferable to Progressive. On average, MetLife offers more affordable rates than Progressive for drivers with credit scores of less than 580. Drivers with extraordinary credit — a score of 800 or better — should favor Check out average insurance rates by credit tier for MetLife and Progressive below.

Credit score Progressive avg. annual premium MetLife avg. annual premium
Very Poor (300-579) $3,602 $3,495
Fair (580-669) $2,127 $2,131
Good (670-739) $1,708 $1,778
Very Good (740-799) $1,453 $1,517
Exceptional (800-850) $1,320 $1,293

Progressive vs. MetLife: by citation

If you have an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, MetLife could be a better choice than Progressive. Every auto insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to understand which insurer suits you.

Infraction Progressive avg. annual premium MetLife avg. annual premium
At-fault accident (damage < $1,000) $2,720 $2,598
At-fault accident (damage > $1,000) $2,245 $1,679
DUI/DWI $2,201 $3,219
Reckless driving $2,457 $3,219
Speeding ticket $2,091 $2,085

Progressive vs. MetLife: by age

Insurance companies use age to estimate risk, assigning rates accordingly. An auto insurance policy is usually expensive for teens — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Since each insurance company evaluates age brackets in a different way, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose MetLife instead of Progressive: the former's average annual rates are $1,814 less than the latter's..

Age tier Progressive avg. annual premium MetLife avg. annual premium
Teens $8,248 $6,434
20s $2,287 $2,457
30s $1,646 $2,457
40s $1,644 $1,590
50s $1,542 $1,520
60s $1,403 $1,414

Costs aside, there are myriad pros and cons of both Progressive and MetLife, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount Comparison Progressive MetLife
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver
Student Away at School supported
Driver Training
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported
Home Owner supported
eSign or ePay
Telematics supported supported
New Vehicle
Annual Mileage
Ratings Comparison Progressive MetLife
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Progressive MetLife
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported supported
Other Features Progressive MetLife
About Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you. 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 Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance. MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses.
Additional Discounts Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company. 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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