MetLife vs Safe Auto Car Insurance

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MetLife or SafeAuto:
Which Company is Best for You?

Choosing an auto insurance company can be difficult: the rates each insurer offers can vary widely based on your driving record, age, and location, and companies offer an array of perks. MetLife and Safe Auto are two of the most popular insurance companies, providing competitively priced coverage across large portions of America.

To make insurance shopping seamless, we've gathered average policy rates from Safe Auto and MetLife. These cover myriad pricing factors, including credit rating, driving history, and age. Compare rates and find the right policy for you.

 

MetLife vs. Safe Auto: premium comparison

 

MetLife vs. Safe Auto: pricing by credit score

If you have very bad credit, MetLife could be the best option for you. On average, MetLife offers better rates than Safe Auto for drivers with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or better — should favor MetLife, which typically beats Safe Auto by $628 annually. Check out average insurance rates by credit tier for Safe Auto and MetLife below.

 

RATES BY CREDIT LEVEL: Safe Auto VS. MetLife
Credit scoreMetLife avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$3,495$3,799
Fair (580-669)$2,131$2,483
Good (670-739)$1,778$3,358
Very Good (740-799)$1,517$1,937
Exceptional (800-850)$1,293$1,921

 

MetLife vs. Safe Auto: high-risk insurance rate comparison

If you're saddled with an at-fault collision, speeding ticket, reckless driving citation, or DUI offense on your résumé, MetLife could be a better choice than Safe Auto. Every auto insurance company prices its policies differently, so don't be afraid to shop around to understand which insurer is best for you.

 

HIGH-RISK INSURANCE RATE COMPARISON: Safe Auto VS. MetLife
CitationMetLife avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$2,598$2,867
At-fault accident (damage > $1,000)$1,679$2,837
DUI/DWI$3,219$2,867
Reckless driving$3,219$2,867
Speeding ticket$2,085$2,738

 

MetLife vs. Safe Auto: rates by age

Insurance companies rely on age as an estimator of risk, pricing policies accordingly. Car insurance is usually expensive for teen drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every auto insurance company evaluates age brackets differently, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose MetLife instead of Safe Auto: MetLife offers average yearly savings of $1,828, compared to Safe Auto.

 

RATES BY AGE: Safe Auto VS. MetLife
Age bracketMetLife avg. annual premiumSafe Auto avg. annual premium
Teens$6,434$8,262
20s$2,457$2,764
30s$1,598$2,764
40s$1,590$2,053
50s$1,520$1,862
60s$1,414$1,707

 

Aside from finances, MetLife and Safe Auto each have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonMetLifeSafeAuto
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 ComparisonMetLifeSafeAuto
Financial Strength SuperiorGood
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsMetLifeSafeAuto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLifeSafeAuto
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.At SafeAuto, we strive to provide affordable insurance to every driver, no matter the situation.
Roadside AssistanceMetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
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.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsWhose insurance pays for an accident after running a stop sign?

I hit a woman in a Walmart parking lot. I was going straight down an aisle and she was going ...

Who is at fault if I opened my car door and it was hit by another driver?

I had just parked my car. I opened my door and another car pulled into the spot next to me, ...

Will a paraphernalia charge impact my auto insurance rate?

I received a ticket for possession of drug paraphernalia in February, but I was not in a vehicle at the ...

If I’m involved in an accident driving my grandmother’s car, will the damage be covered?

I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car ...

See More Questions
Compare MoreMetLife 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. 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. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAASafeAuto vs. 21st Century SafeAuto vs. Allied SafeAuto vs. Allstate SafeAuto vs. American Family SafeAuto vs. Amica Mutual Insurance SafeAuto vs. Auto Club (AAA) SafeAuto vs. Erie SafeAuto vs. Esurance SafeAuto vs. Farm Bureau Mutual SafeAuto vs. Farmers SafeAuto vs. Foremost SafeAuto vs. GEICO SafeAuto vs. Infinity SafeAuto vs. Liberty Mutual SafeAuto vs. Mercury SafeAuto vs. Nationwide SafeAuto vs. North Star Mutual SafeAuto vs. Progressive SafeAuto vs. SAFECO SafeAuto vs. State Farm SafeAuto vs. The General SafeAuto vs. The Hartford SafeAuto vs. Titan SafeAuto vs. Travelers SafeAuto vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia
Additional Resources:

MetLife vs Safe Auto

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