Progressive vs MetLife: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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. |
Â
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.
INSURER RATES BY CREDIT SCORE: METLIFE VS. PROGRESSIVE
| 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.
INSURER RATES BY VIOLATION: METLIFE VS. PROGRESSIVE
| 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..
INSURER RATES BY AGE: METLIFE VS. PROGRESSIVE
| 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 |
|
|
| 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 | Progressive | MetLife |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Below average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Progressive | MetLife |
|---|---|---|
| Boat Insurance |
|
|
| Condo Insurance |
|
|
| Life Insurance |
|
|
| Homeowners Insurance |
|
|
| Travel Trailer Insurance |
|
|
| Renters Insurance |
|
|
| RV Insurance |
|
|
| Motorcycle Insurance |
|
|
| Mobile Home Insurance |
|
|
| 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. |
| 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 |