MetLife vs Allied Car Insurance

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MetLife or Allied:
Which Company is Best for You?

Deciding on an auto insurance company is sometimes difficult: rates can fluctuate by driving record, location, and age, and companies offer an array of discounts. MetLife and Allied are among the US' most popular insurance companies, selling competitively priced policies across most of America.

In an effort to make insurance shopping seamless, we've gathered typical premiums from Allied and MetLife. These take into consideration a number of rating factors, including credit rating, driving history, and demographics. Compare rates and find the right policy for you.

 

MetLife vs. Allied: rate comparison

 

MetLife vs. Allied: rates by credit level

If you have extremely bad credit, Allied could be a better option for you. On average, Allied offers cheaper rates than MetLife for drivers with credit scores of lower than 580. Those with exceptional credit — a score of 800 or higher — should consider View typical insurance rates by credit tier for Allied and MetLife below.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allied VS. MetLife
Credit levelMetLife 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: rates for drivers with bad records

If you are dealing with an at-fault accident, speeding ticket, reckless driving violation, or DUI offense in your recent history, Allied could be a better choice than MetLife. Every auto insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurance company suits you.

 

COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Allied VS. MetLife
InfractionMetLife 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

Insurance companies rely on a driver's age to outline risk potential, assigning rates accordingly. An auto insurance policy is commonly most expensive for beginning and young drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Since every insurance company rates ages in a different way, it's wise to compare rates and find great coverage.

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..

 

AGE BRACKET INSURANCE RATE COMPARISON: 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

 

Setting aside cost, MetLife and Allied each carry pros and cons, including their discounts, perks, 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
Boat Insurance
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 QuestionsIf 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.
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.
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.
Whose 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.
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. 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. 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. SAFECO Allied vs. Safe Auto Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers Allied vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

MetLife vs Allied

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