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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.
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.
|Credit score||State Farm avg. annual premium||MetLife avg. annual premium|
|Very Poor (300-579)||$3,522||$3,495|
|Very Good (740-799)||$1,451||$1,517|
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.
|Citation||State Farm avg. annual premium||MetLife avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$2,598|
|At-fault accident (damage > $1,000)||$1,524||$1,679|
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||State Farm avg. annual premium||MetLife avg. annual premium|
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 Comparison||State Farm||MetLife|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||MetLife|
|JD Power Rankings|
|Other Products||State Farm||MetLife|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||MetLife|
|About||Get 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 Assistance||State 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 Discounts||State 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 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||State 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. 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. 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 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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