The Zebra doesn't support your browser version, so please give us a call or upgrade your browser to the latest version.
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||3 out of 5||3 out of 5|
|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||I started a claim but canceled it with no payout. Why is it on my CLUE report?|
Does State Farm match auto insurance quotes with other companies?
As I stated, nothing at all was done on a claim I started, just conversation. But when I bought coverage ...
Should I choose a company that is cheaper for my auto insurance or my home?
In shopping around, I can see that GEICO can offer me the same policy for about $100 cheaper. Will State ...
What’s max amount of cars allowed on state farm insurance policy?
I’m shopping for my home and auto insurance. I got competitive quotes from Travelers and State Farm. Which company is ...
See More Questions
What’s the max amount of cars allowed on state farm insurance policy?...
|Whose insurance pays for an accident after running a stop sign?|
Who is at fault if I opened my car door and it was hit by another driver?
I hit a woman in a Walmart parking lot. I was going straight down an aisle and she was going ...
Will a paraphernalia charge impact my auto insurance rate?
I had just parked my car. I opened my door and another car pulled into the spot next to me, ...
If I’m involved in an accident driving my grandmother’s car, will the damage be covered?
I received a ticket for possession of drug paraphernalia in February, but I was not in a vehicle at the ...
See More Questions
I was driving my grandmother’s car and am not listed as a driver on her MetLife insurance policy. Her car ...
|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. SafeAuto 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. SafeAuto 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|
“What you don’t know can’t hurt you…” … is an entirely false statement in the world of auto insurance. Car...
Today The Zebra announced that we closed a record-breaking $40 million Series B funding round, led by Accel Partners. As...
Insurance technology (also known as InsurTech or InsureTech) is en vogue. Whether it’s a new model of underwriting or new...
As driverless vehicles become less a futuristic dream and more a reality, our current system – which is obviously based...
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
At The Zebra, insurance is our bread and butter. But in this enormous and complicated industry, there are lines of...
Car insurance companies may occasionally cancel policies if customers fail to pay the premium, commit insurance fraud, make unapproved modifications that change the...
Far from a victimless crime perpetuated against bloated corporations, insurance fraud reaches into the lives of everyday citizens. It costs the industry...
In the U.S., drivers are legally required to carry auto insurance. (Even in New Hampshire, the only state where drivers...
Rate increase? Click to find the cheapest rates on car insurance → Lower gas prices = more road traffic...
By Alyssa Connolly, The Zebra We have exciting news on The Zebra front! Today we announced that we closed $17...
In the week following October 10, a story of law enforcement cracking down on a drunk driver spread quickly across...
The defining characteristics of the 80 million young people currently between the ages 18 and 34 has been much debated....
Driving fewer miles can mean insurance premium savings—for some people with some insurance carriers. So how much less must you...
Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...
Sometimes things aren’t what they seem at the scene of a car crash, or even on the repair shop floor....
Pop quiz: What’s the largest potential technological disrupter of the car insurance industry? (Besides The Zebra, of course.) Answer: telematics....
A traffic ticket of any kind is bad enough—the extra money, the time spent in traffic court or diversion, the...
Anyone who’s ever searched for an auto insurance company knows by the questions they’re asked—plentiful and at times personal—that a...
If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...
You just can’t try insurance before you buy it—not really. You can read car insurance company reviews via some online...