MetLife vs American Family Car Insurance

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MetLife or American Family:
Which Company is Best for You?

Choosing a car insurance company can be hard: the rates each insurer offers can vary widely based on your location, vehicle, and driving record, and every company's discounts vary. MetLife and American Family are two of the most popular insurance companies, providing competitively priced policies in many states.

To simplify the insurance-shopping process, we gathered average insurance rates from American Family and MetLife. These cover myriad pricing factors, including credit history, driving history, and age. Check out the below rates and find the right policy for you.

 

Comparing car insurance rates: MetLife vs. American Family

 

MetLife vs. American Family: by credit level

If you have very poor credit, American Family could be the way to go. On average, American Family offers lower rates than MetLife for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800 or higher — should opt for Check out common insurance costs by credit tier for American Family and MetLife below.

 

CREDIT SCORE INSURANCE RATE COMPARISON: American Family VS. MetLife
Credit scoreMetLife avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$3,495$1,931
Fair (580-669)$2,131$1,294
Good (670-739)$1,778$1,220
Very Good (740-799)$1,517$1,009
Exceptional (800-850)$1,293$941

 

MetLife vs. American Family: rates for drivers with bad records

If you're saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your record, American Family could be a better choice than MetLife. Every car insurance company prices its policies differently, so it's worth comparing quotes to find out which insurer suits you.

 

COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: American Family VS. MetLife
CitationMetLife avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$2,598$1,763
At-fault accident (damage > $1,000)$1,679$990
DUI/DWI$3,219$1,857
Reckless driving$3,219$1,857
Speeding ticket$2,085$1,270

 

MetLife vs. American Family: rates by age

Insurance companies use age to outline risk potential, pricing policies accordingly. A car insurance policy is commonly more expensive for teen drivers — thanks to their inexperience — and relatively affordable for drivers aged 25 or older. Because each insurance company rates age tiers uniquely, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose American Family over MetLife: the former's average annual rates are $2,624 less than the latter's..

 

COMPARING AUTO INSURANCE RATES BY AGE: American Family VS. MetLife
Age bracketMetLife avg. annual premiumAmerican Family avg. annual premium
Teens$6,434$3,810
20s$2,457$1,685
30s$1,598$1,685
40s$1,590$1,089
50s$1,520$1,089
60s$1,414$986

 

Affordability aside, there are myriad pros and cons of both MetLife and American Family, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonMetLifeAmerican Family
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 ComparisonMetLifeAmerican Family
Financial Strength SuperiorExcellent
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 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A

Other ProductsMetLifeAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeAmerican Family
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.American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.
Roadside AssistanceMetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).
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.None Available
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
Compare MoreMetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate 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. USAAAmerican Family vs. 21st Century American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. Safe Auto American Family vs. Safeco American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family 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 American Family

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