MetLife vs Erie Car Insurance

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MetLife or Erie:
Which Company is Best for You?

Picking an auto insurer can be complicated: rates can fluctuate by driving history, location, and age, and insurers offer a variety of perks. MetLife and Erie are two of the most popular insurance companies, offering affordable coverage in most states.

In an effort to make shopping for car insurance easier, we've gathered average rates from Erie and MetLife. The below rates cover myriad rating factors, including credit rating, driving history, and age. Examine these rates and find an affordable policy today.

Want to learn more? Read full-length reviews of MetLife and Erie.


Compare MetLife vs. Erie auto insurance rates


MetLife vs. Erie: premiums by credit level

If you have very bad credit, Erie could be a better option for you. On average, Erie offers more affordable prices than MetLife for drivers with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or higher — should opt for Check out average insurance costs by credit level for Erie and MetLife below.


RATES BY CREDIT LEVEL: Erie VS. MetLife
Credit levelMetLife avg. annual premiumErie avg. annual premium
Very Poor (300-579)$3,495$2,402
Fair (580-669)$2,131$1,040
Good (670-739)$1,778$894
Very Good (740-799)$1,517$743
Exceptional (800-850)$1,293$726

MetLife vs. Erie: costs for high-risk drivers

If you're dealing with an at-fault accident, speeding ticket, reckless driving violation, or DUI on your record, Erie could be a better choice than MetLife. Every auto insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.


RATES BY CITATION: Erie VS. MetLife
ViolationMetLife avg. annual premiumErie avg. annual premium
At-fault accident (damage < $1,000)$2,598$893
At-fault accident (damage > $1,000)$1,679$772
DUI/DWI$3,219$1,163
Reckless driving$3,219$760
Speeding ticket$2,085$747

MetLife vs. Erie: rates by age

Insurance companies use age to estimate risk, assigning rates accordingly. A car insurance policy is usually expensive for young drivers — because of their inexperience — and more affordable for middle-aged drivers. Since each insurance company evaluates ages differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose Erie before MetLife: the former's average annual rates are $4,196 less than the latter's..


RATES BY AGE: Erie VS. MetLife
Age tierMetLife avg. annual premiumErie avg. annual premium
Teens$6,434$2,238
20s$2,457$1,108
30s$1,598$1,108
40s$1,590$755
50s$1,520$692
60s$1,414$676

Costs aside, MetLife and Erie each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonMetLifeErie
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 ComparisonMetLifeErie
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 100% filled Star icon 100% filled Star icon
5 out of 5
User Satisfaction

A+

A+

Other ProductsMetLifeErie
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeErie
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.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 AssistanceMetLife 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 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.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 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
Will Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
I was injured in a car accident two months ago, can I still file a claim?
The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed.
How long can an insurance company wait to pay out your claim?
Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout.
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.
See More Questions
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MetLife vs Erie

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