AAA vs. MetLife Car Insurance [2021]

Comparing AAA vs. MetLife car insurance will help to determine which one is best for you. Two of the largest auto insurance providers in the U.S., they offer competitive rates and discounts. Learn the differences between AAA auto insurance and MetLife to find out which one provides the best coverage and savings.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • AAA and MetLife are big names in the insurance world.
  • AAA has slightly higher ratings.
  • AAA offers exceptional roadside assistance while MetLife offers more customizability.

Both companies have quality ratings by J.D. Power and in financial strength. AAA is known best for roadside assistance while MetLife has gained a reputation for helpful and knowledgeable representatives.

Enter your ZIP code to compare quotes in your area between these two auto insurance providers.

AAA vs. MetLife: Best Of and Worst Of

Comparing AAA vs. MetLife can be done by understanding where they’re best and where they’re lacking. Knowing what you’re looking for and which provider offers that coverage will help you find the right company.

AAA auto insurance is best if you’re looking for excellent roadside service. The information on their website is easy to access and will guide you through requesting assistance when you experience car trouble.

AAA is worse if you need frequent roadside assistance. Each cardholder is eligible for four service calls per year with membership. Any additional calls will require an extra cost.

MetLife auto insurance is best if you’re looking for helpful and knowledgeable representatives. This is desirable if you need guidance through the claims or roadside assistance process.

MetLife is worse for those looking for a smooth follow-through with your agent or policy. They tend to avoid following up with a phone call or email.

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AAA vs. MetLife: How do the ratings compare?

AAA vs. MetLife ratings include those by JD Power and on financial strength.


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JD Power provides consumer ratings, while financial strength evaluates the ability to withstand financial hardships.

AAA has an A+ rating from the Better Business Bureau while MetLife has a B- rating from the organization.

AAA vs. MetLife: What special car insurance discounts are offered?

Most auto insurance providers offer special discounts. These can be incentives for safe driving, or savings in other industries, and can help you find car insurance with a bad driving record.

AAA car insurance includes a variety of discounts that span several industries. Some of the AAA discounts provided to members include:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Shopping
  • Travel

MetLife car insurance has special discounts as well, but they are limited to automotive insurance savings. There are three primary types of savings offered by the company.

  • Deductible Savings Benefit – Save $50 for every year you don’t file a claim.
  • Twelve Percent Superior Driver Discount – Earn up to 12 percent if you and every driver in your home have great driving records.
  • Twenty Percent MetRewards Discount – Save up to 20 percent through the MetRewards program if you have no claims or violations for five years.

Comparing AAA vs. MetLife discounts will help you determine the better deal.

AAA vs. MetLife: Standard Car Insurance Discounts

There are various discounts that are regularly offered by car insurance providers. Here is an all-encompassing AAA vs. MetLife standard discount comparison.


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Most offer at least some of these potential savings.

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AAA vs. MetLife: What additional insurance coverage options are offered?

Both AAA and MetLife are known for their auto insurance coverage. However, that’s not the only insurance that they offer. There are other types of insurance to consider when comparing AAA vs. MetLife.

AAA offers:

  • Condo insurance
  • Life insurance
  • Homeowners insurance
  • Renters insurance

MetLife offers:

  • Boat insurance
  • Condo insurance
  • Life insurance
  • Homeowners insurance
  • Travel trailer insurance
  • Renters insurance
  • RV insurance
  • Motorcycle insurance
  • Mobile home insurance

While there are many differences that help to compare AAA vs. MetLife, there are also similarities.

AAA vs. MetLife: Mobile Apps

Both offer free mobile apps that can be downloaded onto any mobile device.

The AAA login app allows members to request roadside assistance and obtain instant battery quotes. The app features a list of exclusive member discounts and the AAA eTourBook Guides provide travel information to the nation’s top destinations.

The MetLife login app allows members to access their account, report any accidents, pay their premiums, and submit claims. Two unique features of the app allow members to find a local MetLife dental or vision provider.

AAA vs. MetLife: Roadside Assistance

Both AAA and MetLife offer roadside assistance service, though the way in which the assistance is provided differs. If receiving this type of assistance is important to you, these differences can help you better compare AAA vs. MetLife.

AAA insurance is the most well-known provider for this service. AAA’s Emergency Road Service (ERS) allows members to request service at any time. This includes:

  • Accident towing
  • Battery service
  • Emergency towing
  • Flat tire
  • Fuel
  • Lock out
  • Winching
  • Bicycle service

You can request ERS by calling 1-800-AAA-HELP (1-800-222-4357). The information that they’ll require before providing assistance includes:

  • Full name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination

MetLife also offers roadside assistance to members. Their Towing and Labor Coverage reimburses members for towing and other roadside assistance expenses. Members can request this service by calling 1-800-854-6011.

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AAA vs. MetLife: What payment methods can you use?

There are various ways in which you can pay for your insurance. Both providers include the most common methods.

AAA payment methods include:

  • Automatic online payment
  • Manual online payment
  • Credit card payment
  • Debit card payment
  • Electronic check

MetLife payment methods include:

  • Automatic online payment
  • Manual online payment
  • Credit card payment
  • Debit card payment
  • Electronic check
  • Phone payment
  • Mail payment
  • Multi-payment installment plans
  • Payroll deduction
  • Bank payment/direct deposit
  • Mobile app payment
  • Prepayment
  • Pay through an agent

Convenience might be a determining factor when comparing AAA vs. MetLife.

Frequently Asked Questions

1. Do I need auto insurance to receive roadside assistance?

AAA offers roadside assistance separate from auto insurance, allowing you to request it separately. MetLife’s roadside service is available exclusively through its auto insurance coverage.

2. What vehicles can be added to a policy?

Auto insurance providers allow vehicles to be added to a policy if they’re private passenger vehicles registered to you, your spouse, your child, or a relative permanently residing in your household.

3. Do I need to change my information when I move?

You should update your policy information every time you move. This will ensure your provider has accurate contact information and that you’re abiding by state regulations.

4. Can I delete a vehicle from my policy if it’s still registered to me?

You can delete any vehicle from your policy at any time. However, some states may impose penalties if a registered vehicle is not insured.

AAA vs. MetLife: Which is Best for You?

The best insurance provider largely depends on your preferences. AAA and MetLife focus on different benefits, so the quality of price and coverage depends on what you desire.

Enter your ZIP code to compare AAA vs. MetLife quotes to find the best fit for you.

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