USAA vs. MetLife

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USAA or MetLife:
Which Company is Best for You?

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.

 

USAA vs. MetLife: insurance rate comparison

 

USAA vs. MetLife: prices by driver credit level

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 SCORE CAR INSURANCE RATE COMPARISON: METLIFE VS. USAA
Credit levelUSAA avg. annual premiumMetLife 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
 

USAA vs. MetLife: high-risk insurance rates

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.

COMPARING AUTO INSURANCE RATES FOR HIGH-RISK DRIVERS: METLIFE VS. USAA
CitationUSAA avg. annual premiumMetLife 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
 

USAA vs. MetLife: rates by driver age

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.

COMPARING AUTO INSURANCE RATES BY AGE: METLIFE VS. USAA
AgeUSAA avg. annual premiumMetLife 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 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
Telematics
New Vehicle
Annual Mileage
Military
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.
See More Questions
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