Progressive vs. MetLife

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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.

 

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 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: 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
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: 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 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 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
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.
Recent Questions Do I need to put everyone in my household on my policy?
It&#x27;s usually recommended to add everyone who lives in the household on the same policy if it&#x27;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&#x27;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&#x27;s covered and what&#x27;s not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
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