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Selecting a car insurer can be hard: rates can fluctuate based on your driving history, age, and location, and every company's discounts differ. Nationwide and MetLife are two of the most popular insurance companies, offering competitively priced insurance policies in many states.
In an effort to make shopping for car insurance easier, we have gathered average premiums from MetLife and Nationwide. These take into consideration an array of rating factors, including credit, driving history, and age. Compare rates and find the right policy for you.
If you have extremely bad credit, Nationwide could be preferable to Nationwide. On average, Nationwide offers better premiums than MetLife for prospective clients with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should favor Nationwide, which typically beats MetLife by $256 per year. View average insurance costs by credit score for MetLife and Nationwide below.
|Credit score||Nationwide avg. annual premium||MetLife avg. annual premium|
|Very Poor (300-579)||$1,593||$3,495|
|Very Good (740-799)||$1,109||$1,517|
If you've got an at-fault collision, speeding violation, reckless driving violation, or DUI offense on your record, Nationwide could be a better choice than MetLife. Every auto insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurer suits you.
|Violation||Nationwide avg. annual premium||MetLife avg. annual premium|
|At-fault accident (damage < $1,000)||$1,836||$2,598|
|At-fault accident (damage > $1,000)||$1,475||$1,679|
Insurance companies rely on a driver's age as an indicator of potential risk, pricing policies accordingly. An auto insurance policy is often more expensive for beginning and young drivers — because of their inexperience — and most affordable for older drivers. Since each insurance company rates ages in a different way, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose Nationwide over MetLife: Nationwide offers average yearly savings of $2,810 versusMetLife.
|Age bracket||Nationwide avg. annual premium||MetLife avg. annual premium|
Aside from finances, Nationwide and MetLife each come with 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|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||Nationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.||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.|
|Roadside Assistance||Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.||MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.|
|Additional Discounts||Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.||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.|
|Recent Questions||If I'm involved in an accident driving my grandmother's car, will the damage be covered?|
Will a paraphernalia charge impact my auto insurance rate?
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.
Who is at fault if I opened my car door and it was hit by another driver?
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.
Whose insurance pays for an accident after running a stop sign?
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.
See More Questions
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.
|Compare More||Nationwide vs. 21st Century Nationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Nationwide vs. SAFECO Nationwide vs. Safe Auto Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA||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. 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. 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|
|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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