State Farm vs. MetLife

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State Farm 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. State Farm comparison. 

 

Choosing a car insurance company can be tricky: companies' rates differ by driving record, age, and location, and companies offer an array of perks. State Farm and MetLife are two of the nation's most popular car insurance companies, offering competitively priced policies in most American states.

To help make shopping for car insurance easier, we gathered average rates from MetLife and State Farm. These cover myriad rating factors, including credit rating, driving history, and age. Compare rates and find your next car insurance policy today.

Go in-depth: Read full-length reviews of State Farm and MetLife.

 

Compare State Farm vs. MetLife auto insurance rates

 

State Farm vs. MetLife: rate comparison by credit level

If you have very poor credit, MetLife could be a better option for you. On average, MetLife offers better premiums than State Farm for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800-plus — should favor State Farm, which typically beats MetLife by $33 per year. Check out typical insurance rates by credit score for MetLife and State Farm below.

 
RATES BY CREDIT LEVEL: METLIFE VS. STATE FARM
Credit level State Farm avg. annual premium MetLife avg. annual premium
Very Poor (300-579) $3,522 $3,495
Fair (580-669) $2,003 $2,131
Good (670-739) $1,613 $1,778
Very Good (740-799) $1,451 $1,517
Exceptional (800-850) $1,260 $1,293
 

State Farm vs. MetLife: rates for bad drivers

If you have an at-fault accident, speeding violation, reckless driving citation, or DUI offense in your recent history, MetLife could be a better choice than State Farm. Every insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to figure out which insurance company suits you.

 
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: METLIFE VS. STATE FARM
Infraction State Farm avg. annual premium MetLife avg. annual premium
At-fault accident (damage < $1,000) $2,849 $2,598
At-fault accident (damage > $1,000) $1,524 $1,679
DUI/DWI $3,854 $3,219
Reckless driving $2,895 $3,219
Speeding ticket $1,983 $2,085
 

State Farm vs. MetLife: rates by age

Car insurance companies use age as an estimator of risk, pricing policies accordingly. Car insurance is usually most expensive for beginning and young drivers — thanks to their inexperience — and most affordable for older drivers. Because each insurance company prices age tiers differently, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose State Farm over MetLife: STATE FARM offers average yearly savings of $614, compared to MetLife.

 
RATES BY AGE: METLIFE VS. STATE FARM
Age tier State Farm avg. annual premium MetLife avg. annual premium
Teens $5,820 $6,434
20s $2,379 $2,457
30s $1,585 $2,457
40s $1,587 $1,590
50s $1,558 $1,520
60s $1,485 $1,414
 

Costs aside, there are myriad pros and cons of both State Farm and MetLife, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount Comparison State Farm 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 State Farm MetLife
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Above average N/A
User Satisfaction Question mark icon 4.5/5 4.5/5
Other Products State Farm MetLife
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features State Farm MetLife
About Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs. 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 State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services. MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses.
Additional Discounts State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. 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 Should I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record,&nbsp;an accident will typically increase your rates by about 20 to 30%.
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
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If I'm involved in an accident driving my grandmother's car, will the damage be covered?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At-Fault accident.
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