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Choosing an auto insurance company can be hard: rates may vary based on your driving record, age, and location, and companies offer an array of perks. Liberty Mutual and MetLife are two of America's most popular insurance companies, selling high-quality insurance policies in many states.
In an effort to take the sting out of shopping for car insurance, we have gathered average insurance premiums from MetLife and Liberty Mutual. These rates cover myriad pricing factors, chief among which are credit rating, driving infractions, and age. Compare rates and find an affordable policy today.
If you have very poor credit, Liberty Mutual could be preferable to Liberty Mutual. On average, Liberty Mutual offers more affordable premiums than MetLife for drivers with credit scores of less than 580. Drivers with extraordinary credit — a score of 800 or higher — should favor Check out average insurance rates by credit level for MetLife and Liberty Mutual below.
|Credit level||Liberty Mutual avg. annual premium||MetLife avg. annual premium|
|Very Poor (300-579)||$3,228||$3,495|
|Very Good (740-799)||$1,878||$1,517|
If you're dealing with an at-fault collision, speeding violation, reckless driving citation, or DUI on your driving résumé, MetLife could be a better choice than Liberty Mutual. Every insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurer suits you.
|Infraction||Liberty Mutual avg. annual premium||MetLife avg. annual premium|
|At-fault accident (damage < $1,000)||$2,776||$2,598|
|At-fault accident (damage > $1,000)||$2,112||$1,679|
Car insurance companies use a driver's age as an indicator of potential risk, pricing premiums accordingly. An insurance policy is typically priciest for young drivers — due to their inexperience — and more affordable for drivers aged 25 or older. Because each insurance company rates age tiers in a different way, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose MetLife instead of Liberty Mutual: the former's average annual rates are $125 less than the latter's..
|Age tier||Liberty Mutual avg. annual premium||MetLife avg. annual premium|
Cost aside, Liberty Mutual and MetLife each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||Liberty Mutual||MetLife|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||MetLife|
|JD Power Rankings|
|Other Products||Liberty Mutual||MetLife|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||MetLife|
|About||"Buy Online Now” option may qualify you for additional discounts. Here’s why 9 out of 10 customers recommend us: Customized insurance so you only pay for what you need Discounts that save you money Rated “A” by A.M. Best Company.||MetLife Auto & Home MyDirect’s 100% digital experience lets you easily buy and manage your policy all online – without ever speaking to an agent over the phone. It’s the first of its kind and backed by the experience of MetLife Auto & Home.|
|Roadside Assistance||Liberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.||MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.|
|Additional Discounts||Liberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.||MetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss.|
|Recent Questions||Why did my rate increase for a $25 towing claim?|
Can I get a refund for premiums I was forced to pay after accident?
I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...
What’s the difference between a vanishing deductible and accident forgiveness
Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...
Insurer refuses to give me my money back
Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...
See More Questions
On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ...
|Whose insurance pays for an accident after running a stop sign?|
Who is at fault if I opened my car door and it was hit by another driver?
I hit a woman in a Walmart parking lot. I was going straight down an aisle and she was going ...
Will a paraphernalia charge impact my auto insurance rate?
I had just parked my car. I opened my door and another car pulled into the spot next to me, ...
If I’m involved in an accident driving my grandmother’s car, will the damage be covered?
I received a ticket for possession of drug paraphernalia in February, but I was not in a vehicle at the ...
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I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car ...
|Compare More||Liberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. Safe Auto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAA||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. Mercury MetLife vs. Nationwide MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. SAFECO MetLife vs. Safe Auto MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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