| 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. USAA comparison. |
Picking an auto insurer can be tricky: companies' rates may vary by location, age and driving history, and every company provides different discounts. USAA and MetLife are among the most popular insurance companies, selling affordable coverage across many states.
In an effort to make shopping for car insurance easier, we've gathered average prices from MetLife and USAA. The below rates cover a number of rating factors, including credit history, driving history, and age.
Looking for more information? Read our reviews of USAA and MetLife.
If you have very poor credit, USAA could be the way to go. Typically, USAA offers cheaper rates than MetLife for prospective clients with credit scores of 579 or less. Those with outstanding credit — a score of 800 or higher — should opt for USAA, which typically beats MetLife by $453 per year. Check out typical insurance rates by credit level for MetLife and USAA below.
| Credit level | USAA avg. annual premium | MetLife avg. annual premium |
| Very Poor (300-579) | $2,682 | $3,495 |
| Fair (580-669) | $1,247 | $2,131 |
| Good (670-739) | $1,057 | $1,778 |
| Very Good (740-799) | $910 | $1,517 |
| Exceptional (800-850) | $840 | $1,293 |
If you're saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving record, USAA could be a better choice than MetLife. Every car insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to understand which insurer suits you.
| Citation | USAA avg. annual premium | MetLife avg. annual premium |
| At-fault accident (damage < $1,000) | $1,304 | $2,598 |
| At-fault accident (damage > $1,000) | $947 | $1,679 |
| DUI/DWI | $1,952 | $3,219 |
| Reckless driving | $1,472 | $3,219 |
| Speeding ticket | $1,124 | $2,085 |
Insurers use age to indicate risk, assigning rates accordingly. An insurance policy is typically priciest for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Because every insurance company evaluates age tiers uniquely, it's a smart move to shop around.
As a general rule, teen drivers should choose USAA over MetLife: USAA offers average yearly savings of $3,570, compared to MetLife.
| Age | USAA avg. annual premium | MetLife avg. annual premium |
| Teens | $2,864 | $6,434 |
| 20s | $1,261 | $2,457 |
| 30s | $963 | $2,457 |
| 40s | $957 | $1,590 |
| 50s | $889 | $1,520 |
| 60s | $845 | $1,414 |
Affordability aside, there are myriad pros and cons of both USAA and MetLife, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | USAA | 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 | USAA | MetLife |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Excellent | N/A |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | MetLife |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | MetLife |
|---|---|---|
| About | USAA 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 Assistance | 24-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 Discounts | USAA 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 Questions |
Am 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. 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.
See More Questions
|
|
| Compare More | USAA vs. 21st Century USAA vs. Allied USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Erie USAA vs. Esurance USAA vs. Foremost USAA vs. Infinity USAA vs. Mercury USAA vs. Root Insurance USAA vs. Safe Auto USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers | MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Mercury MetLife vs. Nationwide MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. Safe Auto MetLife vs. Safeco MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers |
| 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 |