Selecting an auto insurance company is complex: companies' rates may vary based on your location, age, and driving history, and companies offer an array of discounts. MetLife and Amica are two of America's most popular insurance companies, selling competitively priced policies across most of the US.
In an effort to simplify the insurance-shopping process, we have gathered average insurance rates from Amica and MetLife. These cover a variety of pricing components, including credit score, driving history, and age. Examine these figures and find an affordable policy today.
If you have very poor credit, Amica could be a better option for you. On average, Amica offers lower premiums than MetLife for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800 or better — should consider Check out typical insurance costs by credit score for Amica and MetLife below.
|Credit score||MetLife avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$3,495||$2,010|
|Very Good (740-799)||$1,517||$1,174|
If you have an at-fault collision, speeding ticket, reckless driving violation, or DUI in your recent history, Amica 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 find out which insurer suits you.
|Violation||MetLife avg. annual premium||Amica avg. annual premium|
|At-fault accident (damage < $1,000)||$2,598||$1,646|
|At-fault accident (damage > $1,000)||$1,679||$1,152|
Insurance companies use a driver's age to outline potential risk, assigning rates accordingly. An insurance policy is typically priciest for young drivers — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because every insurance company rates age brackets in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose Amica over MetLife: the former's average annual rates are $1,068 less than the latter's..
|Age||MetLife avg. annual premium||Amica avg. annual premium|
Cost aside, MetLife and Amica each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||MetLife||Amica Mutual Insurance|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||MetLife||Amica Mutual Insurance|
|JD Power Rankings||3 out of 5||4 out of 5|
|Other Products||MetLife||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||MetLife||Amica Mutual Insurance|
|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.||At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service.|
|Roadside Assistance||MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.||Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility.|
|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.||Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy.|
|Recent Questions||Whose insurance pays for an accident after running a stop sign?|
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|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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