USAA vs MetLife

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USAA or MetLife:
Which Company is Best for You?

Selecting a car insurance company is difficult: rates can vary by driving history, age, and location, and companies offer an array of perks. USAA and Mercury are two of America's most popular insurance companies, providing affordable coverage in most regions.

To help simplify the process of comparing insurance companies, we pulled average policy rates from Mercury and USAA. The below rates cover an array of pricing components, including credit history, driving infractions, and age. Compare rates and find your next car insurance policy today.

Seeking more information? Read our reviews of USAA and Mercury.


USAA vs. Mercury: rate comparison


USAA vs. Mercury: by credit level

If you have very poor credit, Mercury could be the best option for you. Typically, Mercury offers lower rates than USAA for drivers with credit scores of 579 or less. Insurance shoppers with extraordinary credit — a score of 800 or higher — should lean toward USAA, which typically beats Mercury by $275 per year. Check out typical insurance rates by credit tier for Mercury and USAA:

Credit scoreUSAA avg. annual premiumMercury avg. annual premium
Very Poor (300-579)$2,682$1,115
Fair (580-669)$1,247$1,115
Good (670-739)$1,057$1,290
Very Good (740-799)$910$1,115
Exceptional (800-850)$840$1,115

USAA vs. Mercury: costs for high-risk drivers

If you've got an at-fault accident, speeding ticket, reckless driving violation, or DUI on your driving record, USAA could be a better choice than Mercury. Every insurance company has different post-violation pricing structures, so don't be afraid to shop around to find out which insurance company suits you.

CitationUSAA avg. annual premiumMercury avg. annual premium
At-fault accident (damage < $1,000)$1,304$1,822
At-fault accident (damage > $1,000)$947$1,125
Reckless driving$1,472$1,882
Speeding ticket$1,124$1,457

USAA vs. Mercury: rates by age

Insurers use age to estimate risk, assigning rates accordingly. An auto insurance policy is often priciest for teen drivers — due to their inexperience — and more affordable for older drivers. Because every car insurance company prices age tiers differently, it's a smart move to shop around.

As a general rule, teen drivers should choose USAA before Mercury: USAA offers average yearly savings of $553 versusMercury.

Age bracketUSAA avg. annual premiumMercury avg. annual premium

Aside from finances, USAA and Mercury each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonUSAAMetLife
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
New Vehicle
Annual Mileage
Ratings ComparisonUSAAMetLife
Financial Strength SuperiorExcellent
JD Power Rankings ExcellentBelow average
User Satisfaction 4.6/54.6/5
Other ProductsUSAAMetLife
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAMetLife
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.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 Assistance24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses.
Additional DiscountsUSAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.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 QuestionsAm I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
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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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