MetLife vs Safe Auto Car Insurance

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MetLife or Safe Auto:
Which Company is Best for You?

Choosing a car insurance company can be tough: rates fluctuate by driving record, age, and location, and insurers offer a variety of perks. MetLife and Safe Auto are two of America's most popular insurance companies, providing competitively priced policies in most US states.

To help make insurance shopping seamless, we have collected average prices from Safe Auto and MetLife. The below rates cover an array of pricing components, chief among which are credit score, driving record, and demographics. Examine these figures and find the perfect policy for you.

Go in-depth: Check out our full reviews of MetLife and Safe Auto.


Compare MetLife vs. Safe Auto auto insurance rates


MetLife vs. Safe Auto: pricing by credit score

If you have very poor 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. Drivers with outstanding credit — a score of 800 or higher — should consider MetLife, which typically beats Safe Auto by $628 per year. Check out typical insurance costs by credit score for Safe Auto and MetLife below.


RATES BY CREDIT SCORE: Safe Auto VS. MetLife
Credit levelMetLife 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 driver rates

If you're dealing with an at-fault crash, speeding violation, reckless driving citation, or DUI on your driving record, MetLife could be a better choice than Safe Auto. Each insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 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 bracket

Insurers use age to outline potential risk, pricing policies on a sliding scale. Auto insurance is typically more expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because every auto insurance company evaluates age brackets in a different way, it's wise to compare rates and find great coverage.

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


AGE BRACKET INSURANCE RATE COMPARISON: Safe Auto VS. MetLife
Age tierMetLife 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

Cost aside, there are myriad pros and cons of both MetLife and Safe Auto, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonMetLifeSafe Auto
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 ComparisonMetLifeSafe Auto
Financial Strength SuperiorGood
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 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

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Other FeaturesMetLifeSafe Auto
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.Safe Auto strives 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?
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
Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.
If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.
Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia
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MetLife vs Safe Auto

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