Progressive vs. MetLife

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Progressive or MetLife:
Which Company is Best for You?

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.

 

Compare Progressive vs. MetLife auto insurance rates

 

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.

 
RATES BY CREDIT LEVEL: METLIFE VS. PROGRESSIVE
Credit scoreProgressive avg. annual premiumMetLife 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: high-risk driver rates

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.

 
RATES BY CITATION: METLIFE VS. PROGRESSIVE
InfractionProgressive avg. annual premiumMetLife 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: rates 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 BRACKET INSURANCE RATE COMPARISON: METLIFE VS. PROGRESSIVE
Age tierProgressive avg. annual premiumMetLife 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 ComparisonProgressiveMetLife
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 ComparisonProgressiveMetLife
Financial Strength SuperiorExcellent
JD Power Rankings Below averageBelow average
User Satisfaction 4.3/54.3/5
Other ProductsProgressiveMetLife
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressiveMetLife
About
Roadside Assistance
Additional DiscountsProgressive 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.
Recent QuestionsCan my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.
Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
See More Questions
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