State Farm vs MetLife Car Insurance

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State Farm or MetLife:
Which Company is Best for You?

Deciding on a car insurer can be tough: companies' rates differ based on your location, age, and driving history, and every company's discounts vary. State Farm and MetLife are among the nation's most popular insurance companies, providing competitively priced coverage in many states.

To simplify the comparison process, we gathered average prices from MetLife and State Farm. These take into consideration a variety of rating factors, including credit rating, driving history, and age. Examine these rates and find an affordable policy today.


State Farm vs. MetLife: insurance rate comparison


State Farm vs. MetLife: pricing by credit score

If you have extremely bad credit, MetLife could be a better option for you. On average, MetLife offers lower premiums than State Farm for prospective clients with credit scores of less than 580. Insurance shoppers with exceptional credit — a score of 800 or higher — should opt for State Farm, which typically beats MetLife by $33 per year. Check out average insurance rates by credit score for MetLife and State Farm below.


RATES BY CREDIT LEVEL: MetLife VS. State Farm
Credit scoreState Farm avg. annual premiumMetLife avg. annual premium
Very Poor (300-579)$3,522$3,495
Fair (580-669)$2,003$2,131
Good (670-739)$1,613$1,778
Very Good (740-799)$1,451$1,517
Exceptional (800-850)$1,260$1,293

State Farm vs. MetLife: high-risk driver rates

If you're dealing with an at-fault crash, speeding ticket, reckless driving violation, or DUI on your record, MetLife could be a better choice than State Farm. Every insurer will handle driving offenses differently, so always do your due diligence and compare quotes to find out which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: MetLife VS. State Farm
CitationState Farm avg. annual premiumMetLife avg. annual premium
At-fault accident (damage < $1,000)$2,849$2,598
At-fault accident (damage > $1,000)$1,524$1,679
DUI/DWI$3,854$3,219
Reckless driving$2,895$3,219
Speeding ticket$1,983$2,085

State Farm vs. MetLife: rates by age

Car insurance companies rely on a driver's age to estimate risk, assigning rates accordingly. Car insurance is often expensive for teens — thanks to their inexperience — and relatively affordable for middle-aged drivers. Because each insurance company evaluates age brackets uniquely, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose State Farm instead of MetLife: State Farm offers average yearly savings of $614, compared to MetLife.


AGE BRACKET INSURANCE RATE COMPARISON: MetLife VS. State Farm
AgeState Farm avg. annual premiumMetLife avg. annual premium
Teens$5,820$6,434
20s$2,379$2,457
30s$1,585$2,457
40s$1,587$1,590
50s$1,558$1,520
60s$1,485$1,414

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

Discount ComparisonState FarmMetLife
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 ComparisonState FarmMetLife
Financial Strength SuperiorSuperior
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A++

A

Other ProductsState FarmMetLife
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState FarmMetLife
AboutGet the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.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 AssistanceState Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.
Additional DiscountsState Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.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 QuestionsWhat’s max amount of cars allowed on state farm insurance policy?

What’s the max amount of cars allowed on state farm insurance policy?...

Will my State Farm Car insurance cover the damages to a person’s balcony if we hit it while driving a Uhaul?

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Does state farm require you have a police report to file a claim?

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One deductible for two accidents?

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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?

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Compare MoreState Farm vs. 21st Century State Farm vs. Allied State Farm vs. Allstate State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Auto Club (AAA) State Farm vs. Erie State Farm vs. Esurance State Farm vs. Farm Bureau Mutual State Farm vs. Farmers State Farm vs. Foremost State Farm vs. GEICO State Farm vs. Infinity State Farm vs. Liberty Mutual State Farm vs. Mercury State Farm vs. Metromile State Farm vs. Nationwide State Farm vs. North Star Mutual State Farm vs. Progressive State Farm vs. Root State Farm vs. SAFECO State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers State Farm 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. Progressive MetLife vs. SAFECO MetLife vs. Safe Auto 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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State Farm vs MetLife

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