Progressive vs MetLife Car Insurance

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Progressive or MetLife:
Which Company is Best for You?

Deciding on an auto insurance company can be tough: the rates each insurer offers can vary widely by location, vehicle, and driving record, and every company provides a different set of discounts. Progressive and MetLife are two of the nation's top auto insurance companies, offering high-quality insurance policies across large portions of the US.

To simplify the insurance-shopping process, we pulled average costs from MetLife and Progressive. These cover myriad rating factors, including credit rating, driving history, and demographics. Compare rates and find the right policy for you.

Seeking additional insights? Check out our comprehensive reviews of Progressive and MetLife.


Compare Progressive vs. MetLife auto insurance rates


Progressive vs. MetLife: by credit level

If you have extremely bad credit, MetLife could be preferable to Progressive. On average, MetLife offers more affordable rates than Progressive for drivers with credit scores of less than 580. Drivers with extraordinary credit — a score of 800 or better — should favor Check out average insurance rates by credit tier for MetLife and Progressive below.


RATES BY CREDIT LEVEL: MetLife VS. Progressive
Credit scoreProgressive avg. annual premiumMetLife avg. annual premium
Very Poor (300-579)$3,602$3,495
Fair (580-669)$2,127$2,131
Good (670-739)$1,708$1,778
Very Good (740-799)$1,453$1,517
Exceptional (800-850)$1,320$1,293

Progressive vs. MetLife: high-risk driver rates

If you have an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving record, MetLife could be a better choice than Progressive. Every auto insurance company has different post-violation pricing structures, so always do your due diligence and compare quotes to understand which insurer suits you.


RATES BY CITATION: MetLife VS. Progressive
InfractionProgressive avg. annual premiumMetLife avg. annual premium
At-fault accident (damage < $1,000)$2,720$2,598
At-fault accident (damage > $1,000)$2,245$1,679
DUI/DWI$2,201$3,219
Reckless driving$2,457$3,219
Speeding ticket$2,091$2,085

Progressive vs. MetLife: rates by age

Insurance companies use age to estimate risk, assigning rates accordingly. An auto insurance policy is usually expensive for teens — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Since each insurance company evaluates age brackets in a different way, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose MetLife instead of Progressive: the former's average annual rates are $1,814 less than the latter's..


AGE BRACKET INSURANCE RATE COMPARISON: MetLife VS. Progressive
Age tierProgressive avg. annual premiumMetLife avg. annual premium
Teens$8,248$6,434
20s$2,287$2,457
30s$1,646$2,457
40s$1,644$1,590
50s$1,542$1,520
60s$1,403$1,414

Costs aside, there are myriad pros and cons of both Progressive and MetLife, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonProgressiveMetLife
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 ComparisonProgressiveMetLife
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 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

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Other FeaturesProgressiveMetLife
AboutProgressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.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 AssistanceProgressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.
Additional DiscountsProgressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.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 QuestionsDo I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
Whose 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
Compare MoreProgressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAAMetLife 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. Safe Auto MetLife vs. Safeco MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Progressive vs MetLife

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