MetLife vs Allied Car Insurance

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MetLife or Allied:
Which Company is Best for You?

Choosing an auto insurance company is complex: companies' rates differ by driving history, location, and age, and every company provides a different set of discounts. MetLife and Allied are counted among the US' top insurance companies, providing competitively priced insurance policies across many states.

To take the sting out of shopping for car insurance, we gathered average rates from Allied and MetLife. The below cover a variety of rating factors, including credit, driving record, and age. Check out the below rates and find your next car insurance policy today.

Take a deep dive: Read our comprehensive reviews of MetLife and Allied.


Comparing car insurance rates: MetLife vs. Allied


MetLife vs. Allied: by credit level

If you have very poor credit, Allied could be the way to go. On average, Allied offers lower prices than MetLife for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800 or better — should lean toward View typical insurance rates by credit level for Allied and MetLife below.


RATES BY CREDIT LEVEL: Allied VS. MetLife
Credit scoreMetLife avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$3,495$1,483
Fair (580-669)$2,131$1,097
Good (670-739)$1,778$1,104
Very Good (740-799)$1,517$920
Exceptional (800-850)$1,293$857

MetLife vs. Allied: costs for high-risk drivers

If you're carrying an at-fault collision, ticket, reckless driving violation, or DUI on your résumé, Allied could be a better choice than MetLife. Every insurer prices policies differently after a violation, so it's worth comparing quotes to figure out which insurer is best for you.


RATES BY CITATION: Allied VS. MetLife
ViolationMetLife avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$2,598$1,662
At-fault accident (damage > $1,000)$1,679$1,221
DUI/DWI$3,219$2,708
Reckless driving$3,219$2,708
Speeding ticket$2,085$1,232

MetLife vs. Allied: rates by age

Auto insurance companies use age as an estimator of risk, pricing premiums accordingly. Insurance is often expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Since every insurance company rates age tiers in a different way, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose Allied over MetLife: the former's average annual rates are $2,908 less than the latter's..


RATES BY AGE: Allied VS. MetLife
AgeMetLife avg. annual premiumAllied avg. annual premium
Teens$6,434$3,526
20s$2,457$1,392
30s$1,598$1,392
40s$1,590$959
50s$1,520$915
60s$1,414$832

Aside from affordability, MetLife and Allied each have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonMetLifeAllied
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 ComparisonMetLifeAllied
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsMetLifeAllied
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeAllied
AboutMetLife 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.Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside AssistanceMetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional DiscountsMetLife 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.Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent QuestionsWhose insurance pays for an accident after running a stop sign?
Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers.
Who is at fault if I opened my car door and it was hit by another driver?
In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.
Will a paraphernalia charge impact my auto insurance rate?
Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.
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.
See More Questions
Will my insurance company cover my vehicle if my cousin was driving my car?
Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
If I claim my injuries after an accident, will that make my rates higher?
Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.
How much do car insurance rates go up after a DUI?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
See More Questions
Compare MoreMetLife vs. 21st Century 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 MetLife vs. USAAAllied vs. 21st Century Allied vs. Allstate Allied vs. American Family Allied vs. Amica Mutual Insurance Allied vs. Auto Club (AAA) Allied vs. Erie Allied vs. Esurance Allied vs. Farm Bureau Mutual Allied vs. Farmers Allied vs. Foremost Allied vs. GEICO Allied vs. Infinity Allied vs. Liberty Mutual Allied vs. Mercury Allied vs. North Star Mutual Allied vs. Progressive Allied vs. Safe Auto Allied vs. Safeco Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers Allied vs. USAA
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MetLife vs Allied

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