Picking a car insurer is complex: companies' rates may vary based on your driving history, age, and location, and companies offer an array of perks. MetLife and Erie are two of the most popular insurance companies, offering competitively priced insurance policies across most of the US.
To make shopping for car insurance easier, we gathered average policy prices from Erie and MetLife. The below rates cover a variety of rating factors, including credit rating, driving infractions, and age. Examine these rates and find an affordable policy today.
If you have very poor credit, Erie could be the best option for you. On average, Erie offers better prices than MetLife for drivers with credit scores of lower than 580. Those with extraordinary credit — a score of 800 or better — should lean toward View typical insurance rates by credit tier for Erie and MetLife below.
|Credit level||MetLife avg. annual premium||Erie avg. annual premium|
|Very Poor (300-579)||$3,495||$2,402|
|Very Good (740-799)||$1,517||$743|
If you have an at-fault collision, speeding ticket, reckless driving citation, or DUI in your recent history, Erie could be a better choice than MetLife. Every car insurance company will handle driving offenses differently, so don't be afraid to shop around to understand which insurer is best for you.
|Violation||MetLife avg. annual premium||Erie avg. annual premium|
|At-fault accident (damage < $1,000)||$2,598||$893|
|At-fault accident (damage > $1,000)||$1,679||$772|
Insurers use age to estimate risk, pricing premiums on a sliding scale. Car insurance is often priciest for teen drivers — thanks to their inexperience — and more affordable for middle-aged drivers. Because every car insurance company rates ages uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose Erie instead of MetLife: the former's average annual rates are $4,196 less than the latter's..
|Age tier||MetLife avg. annual premium||Erie avg. annual premium|
Setting aside cost, MetLife and Erie each carry pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||3 out of 5||5 out of 5|
|Travel Trailer Insurance|
|Mobile Home 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.||Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service.|
|Roadside Assistance||MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.||Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown.|
|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.||Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period.|
|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 ...
|Will Erie reinstate my policy after non-payment?|
I was injured in a car accident two months ago, can I still file a claim?
I have had Erie for 31 years..2 home owners and also auto...
How long can an insurance company wait to pay out your claim?
I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
In Virginia, is there a time limit on how long after a car accident an insurance company can wait to ...
See More Questions
Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...
|Compare More||MetLife vs. 21st Century MetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) 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. USAA||Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. SAFECO Erie vs. Safe Auto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers Erie vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia|
“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...