USAA vs. MetLife
Compare rates from the top car insurance companies in your area.
USAA 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. 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.
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 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 |
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
| 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 |
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
| 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 |
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| Good Student |
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| Affinity Membership Alum |
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| Ratings Comparison | USAA | MetLife |
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| Financial Strength | Superior | Excellent |
| JD Power Rankings | Excellent | N/A |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | MetLife |
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| Other Features | USAA | MetLife |
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| 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 |
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 I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established member to get a policy. Meaning, you aren't eligible to get your own policy away from your son-in-law.
Does USAA membership extend to grandchildren
From my knowledge, your parent's would also have to be members in order for you to qualify. But, as I'm not an agent for USAA, I would call them and speak to an insurance agent directly.
Does my son-in-law's status as a Marine qualify me as USAA member?
USAA membership extends to spouses, children, and possibly parents. Assuming your child (who is married to your son-in-law) is on the membership as well, you may be able to qualify.
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