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Choosing a car insurance company can be complicated: rates vary by driving record, age, and location, and every company's discounts vary. USAA and MetLife are two of the nation's most popular insurance companies, providing high-quality coverage in most states across the US.
In an effort to simplify the comparison process, we have pulled average policy rates from MetLife and USAA. The below rates cover a variety of pricing factors, including credit rating, driving infractions, and age. Examine these rates and find your next car insurance policy today.
If you have extremely bad credit, USAA could be preferable to USAA. On average, USAA offers better rates than MetLife for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or better — should lean toward USAA, which typically beats MetLife by $453 per year. View average insurance costs by credit score for MetLife and USAA below.
|Credit score||USAA avg. annual premium||MetLife avg. annual premium|
|Very Poor (300-579)||$2,682||$3,495|
|Very Good (740-799)||$910||$1,517|
If you have an at-fault accident, speeding ticket, reckless driving citation, or DUI in your rear view mirror, USAA could be a better choice than MetLife. Every car insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurance company suits you.
|Violation||USAA avg. annual premium||MetLife avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$2,598|
|At-fault accident (damage > $1,000)||$947||$1,679|
Car insurance companies use a driver's age to indicate risk, assigning rates accordingly. Car insurance is commonly more expensive for drivers younger than 25 — due to their inexperience — and most affordable for drivers aged 25 or older. Since each insurance company rates age brackets uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose USAA over MetLife: USAA offers average yearly savings of $3,570, compared to MetLife.
|Age bracket||USAA avg. annual premium||MetLife avg. annual premium|
Cost aside, USAA and MetLife both have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|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||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||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||24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.||MetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.|
|Additional Discounts||USAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance.||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||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?
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.
Will a paraphernalia charge impact my auto insurance rate?
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.
If I'm involved in an accident driving my grandmother's car, will the damage be covered?
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.
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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.
|Compare More||USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. Nationwide USAA vs. Progressive USAA vs. Root USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||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. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers|
|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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