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.
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||MetLife avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$3,495||$1,931|
|Very Good (740-799)||$1,517||$1,009|
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.
|Citation||MetLife avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$2,598||$1,763|
|At-fault accident (damage > $1,000)||$1,679||$990|
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..
|Age bracket||MetLife avg. annual premium||American Family avg. annual premium|
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 Comparison||MetLife||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||MetLife||American Family|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||MetLife||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||MetLife||American Family|
|About||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.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|Roadside Assistance||MetLife 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 Discounts||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.||None Available|
|Recent Questions||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 ...
See More Questions
I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car ...
|Are some insurance providers better suited to my needs than others to get the best rate?|
If I accidentally drove my car through a neighbor’s fence, will my insurance company pay for the damage?
I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...
How soon am I required to insure a vehicle I bought through a private sale?
My foot slipped on the clutch when I was parked in the street and I damaged my neighbor’s fence. Is ...
What’s the difference between an insurance carrier and an insurance agency?
I just bought my first car and have never had insurance. Do I have to be insured to take the ...
See More Questions
I have a local agent and he talks about the “carriers” that he works with. What is the difference?...
|Compare More||MetLife 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. SAFECO MetLife vs. SafeAuto MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA||American 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. SAFECO American Family vs. SafeAuto 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 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|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...