Allstate vs. MetLife Car Insurance [2021]

Since 2020, comparing Allstate vs. MetLife car insurance has changed. MetLife no longer sells car insurance and Farmers Insurance Group has taken over its policies. On average, Allstate car insurance is $16 more expensive than MetLife (Farmers) car insurance. Shop and compare Allstate vs. MetLife auto insurance to get the best rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Oct 13, 2021

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Here's what you need to know...

  • MetLife car insurance has been acquired by Farmers’ parent company, Zurich Insurance Group
  • Allstate car insurance is more expensive than Farmers, but it has a better A.M. Best rating
  • Farmers has more car insurance coverage options

Comparing Allstate vs. MetLife car insurance rates can save you hundreds of dollars per month. However, many factors go into whether affordable Allstate vs. MetLife car insurance is available to you.

But don’t worry – we’re here to help. This car insurance guide explains how to compare Allstate vs. MetLife auto insurance quotes, discounts, other insurance products, and third-party ratings.

Once you’re finished comparing Allstate vs. MetLife car insurance, enter your ZIP code in the free comparison tool above to compare multiple companies in your local area.

Allstate vs. MetLife Car Insurance: Which company has the cheapest rates?

MetLife no longer provides auto and home insurance. All MetLife auto insurance policies are handled by Farmers auto insurance. The acquisition didn’t affect MetLife’s other insurance options (life, health, and pet insurance).

According to Business Wire, Zurich Insurance Group acquired MetLife’s car and home insurance business in April 2021. Therefore, MetLife car insurance rates become Farmers car insurance rates.

On average, Allstate auto insurance is $243 per month, but MetLife auto insurance can be as low as $195 per month.

However, your rates will vary based on age, driving record, credit history, and location.

If you already have a MetLife policy, contact the MetLife insurance phone number and find out more about your car insurance coverage.

Continue reading to learn how each factor affects Allstate and MetLife auto insurance.

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How does age affect Allstate and MetLife car insurance?

Whether you choose Allstate vs. MetLife auto insurance, both companies will look at your age to determine your driving experience. In some cases, car insurance companies will look at your gender and marital status, also.

Let’s see how Allstate and MetLife calculate age, gender, and marital status into your auto insurance policy.

Allstate vs. MetLife (Farmers) Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Monthly Car Insurance RatesFarmers Monthly Car Insurance Rates
Married 60-year-old female$243$195
Married 60-year-old male$249$204
Married 35-year-old male$260$213
Married 35-year-old female$263$213
Single 25-year-old female$285$246
Single 25-year-old male$298$253
Single 17-year-old female$774$710
Single 17-year-old male$887$762
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Seniors drivers pay the least for auto insurance at Allstate and MetLife. Teen and young adult drivers pay the most for Allstate and MetLife car insurance.

Can a good credit score lower my Allstate or MetLife car insurance rates?

The short answer is yes. Auto insurance companies issue cheaper rates when you have good credit.

Good credit correlates to a low risk of filing Allstate claims and MetLife claims. So how much are Allstate and MetLife car insurance rates based on good credit? Let’s compare.

  • Allstate – $322/mo
  • MetLife (Farmers) – $306/mo

MetLife car insurance is $16 cheaper than Allstate car insurance. If your credit score is low, you’ll pay over $100 more for auto insurance.

Does a clean driving record guarantee cheaper MetLife or Allstate car insurance?

One of the most critical factors to car insurance is your driving history. If you maintain a clean driving history, more affordable auto insurance becomes available.

But how do Allstate and MetLife estimate car insurance rates based on driving records? Let’s review.

Allstate vs. MetLife (Farmers) Car Insurance Rates by Driving Record
Driving Record SummaryAllstate Monthly Car Insurance RatesFarmers Monthly Car Insurance Rates
Clean Driving Record$318$288
With 1 Speeding Violation$374$340
With 1 Accident$416$377
With 1 DUI$522$393
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The infraction with the least impact is a speeding ticket. However, accidents and DUI convictions increase your car insurance rates the most.

If you qualify for accident forgiveness, Allstate or MetLife won’t drive up your rates if you have an accident.

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How much is Allstate and MetLife car insurance by the state?

Have you ever noticed how your car insurance changed when you moved to another state? MetLife and Allstate auto insurance will vary by state.

Each area comes with various risks. For example, some states, even ZIP codes, have higher chances of claims. Therefore, Allstate and MetLife increase or decrease car insurance based on the state.

Let’s look at a few examples of how auto insurance rates vary by state.

Allstate vs. MetLife (Farmers) Car Insurance by State
StatesMonthly Average RateMonthly Allstate RatesMonthly MetLife (Farmers) Rates
Ohio$226$266$285
Illinois$275$434$384
Utah$301$297$326
California$307$378$417
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In some areas, Allstate is cheaper than MetLife (Farmers) car insurance. For example, your auto insurance can be much lower if you live in a ZIP code with a low property crime rate.

If you want a closer look at Farmers, Allstate, and MetLife car insurance, read our Farmers car insurance review, Allstate car insurance review, or MetLife car insurance review.

What Allstate and MetLife auto insurance discounts are available?

Now that MetLife has sold its car insurance sector to Farmers, you’ll likely have Farmers car insurance discounts to help you save money.

But how do Farmers auto insurance deals stack up against Allstate? Compare the discount values from both companies to find out.

Allstate vs. MetLife (Farmers) Car Insurance Discounts
Car Insurance Discount NameAllstate Discount ValuesMetLife (Farmers) Discount Values
Accident Forgiveness30%N/A
Affinity group discountN/AVaries
Anti-lock Brake Discount10%Varies
Anti-Theft Device Discount10%Varies
Claims Free Renewal DiscountN/AVaries
Daytime Running Lights DiscountN/AVaries
Deductible discountVariesN/A
Defensive Driver Discount20%Varies
Driving Habits DiscountN/AVaries
Driving training discountVariesVaries
Early Quote Discount10%Varies
E-billing Discount10%Varies
Electronic Stability ControlN/AVaries
EV/Hybrid Discount10%5%
Family DiscountVariesVaries
Farm Vehicle Discount10%N/A
Good Driver Discount10%Varies
Good Payer Discount5%Varies
Good Student Discount10%Varies
Home Owner DiscountN/AVaries
Low Mileage Discount10%N/A
Loyalty DiscountN/AVaries
Mature driver discountN/AVaries
Military DiscountN/AVaries
Multiple Policy Discount10%10%
Multiple Vehicle Discount10%Varies
New Car Discount15%N/A
On Your Own DiscountN/AVaries
Organization DiscountN/AVaries
Paid in full discount10%Varies
Paperless documents discountVariesVaries
Passive Restraint Discount10%Varies
Preferred payment discount5%Varies
Prepay Discount10%Varies
Professional organization discountN/AVaries
Provider Switch DiscountN/AVaries
Senior Adult Discount5%Varies
Student Away at School Discount5%Varies
teenSMART Discount35%Varies
Utility Vehicle DiscountVariesN/A
VIN EtchingN/AVaries
Youth Driving DiscountN/AVaries
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Although Allstate is slightly more expensive, it’s more transparent on how much you can save on car insurance. If you qualify for more than one discount, you can stack car insurance deals and save hundreds of dollars per year.

Can I save money by using the Allstate app or MetLife app?

The answer is yes. If you prefer to pay your Allstate or MetLife bills electronically, you can receive a discount for paperless billing and electronic payment methods.

You can use the Allstate and MetLife apps to manage your account and make payments. However, you’ll need to create an Allstate login or MetLife login to get started.

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What are Allstate vs. MetLife insurance products?

Allstate and MetLife carry various insurance products. However, MetLife doesn’t have the option to bundle auto insurance anymore.

MetLife insurance has accident & health insurance, disability insurance, life insurance, dental insurance, and vision insurance.

Meanwhile, Allstate carries these insurance products:

  • Car Insurance
  • Home Insurance
  • Renters Insurance
  • Condo Insurance
  • Rideshare Insurance (insurance for Lyft or Uber drivers)
  • Motorcycle Insurance
  • Business Insurance
  • Off-Road Vehicle Insurance,
  • Life Insurance
  • Roadside Assistance coverage
  • Identity Protection

Allstate has more opportunities to bundle auto insurance. You can’t bundle MetLife auto insurance, but you can bundle other services at MetLife.

Allstate and MetLife: Which company has more car insurance coverage options?

Since MetLife has ended its auto insurance services, you’ll have to compare Farmers car insurance coverage options to Allstate.

Fortunately, we’ve researched for you. Read on to compare features and services from Allstate and Farmers.

Allstate vs. Farmers Car Insurance Coverage Options
Allstate Car Insurance CoveragesFarmers Car Insurance Coverages
Collision coverageLiability
Comprehensive coverageCollision
Bodily Injury LiabilityComprehensive
Property Damage LiabilityUninsured / Underinsured Motorist
Uninsured & Underinsured Motorist CoverageMedical Payments
Rental Reimbursement CoveragePersonal Injury Protection (PIP)
Personal Umbrella PolicyTowing and roadside service
Personal Injury ProtectionRental Car Reimbursement
Sound System InsuranceRideshare
Roadside AssistanceLoss of Use
Classic Car InsuranceGuaranteed Value™
Travel Car Insurance to MexicoCustomized Equipment
Personal Umbrella
Glass Deductible Buyback
Full Windshield and Glass Coverage
Spare Parts Coverage
Original Equipment Manufacturer (OEM)
New Car Replacement Coverage
Accident Forgiveness
Classic/Antique Car Coverage
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Farmers insurance provides more coverage options than Allstate. However, Allstate provides sound system car insurance – a coverage option Farmers Insurance doesn’t have.

Farmers insurance provides more coverage options than Allstate. However, Allstate provides sound system car insurance – a coverage option Farmers Insurance doesn’t have.

Moreover, Allstate offers an optional program ‘Your Choice Auto Program’ which adds several coverages to drivers. The program recognizes and rewards safe driving and allows qualified drivers to save with the following features:

  • Safe driving bonus check: Get 5 percent off your premium for every 6 months of accident-free driving nationally.
  • Accident forgiveness: Allstate increases the typical premium and accident surcharge when you get in an accident.
  • Deductible rewards: Allstate cuts $100 off your collision deductible when you sign up and an additional $100 every year you’re accident-free
  • New car replacement: If you purchased a new car in/after 2012 and it got totalled in the first three years, Allstate will send a check to the main policyholder at the vehicle’s purchase value.

Allstate and MetLife Financial Ratings and Customer Satisfaction Ratings Comparison

According to A.M. Best, Allstate and MetLife have an “A+” rating. This means both companies are financially stable. When compared to Farmers, Allstate has a better A.M. Best rating.

The National Association of Insurance Commissioners (NAIC) also measured Allstate and MetLife’s performance and found that Allstate has consumer complaints lower than average (0.41), but MetLife’s consumer complaints were right on average (1.00).

J.D. Power’s Auto Claims and Auto Insurance Shopping studies concluded that Allstate’s overall customer satisfaction was above average, but MetLife’s overall customer satisfaction was below the industry average in 2020.

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Allstate vs. MetLife Car Insurance: What’s the bottom line?

MetLife won’t have the auto insurance coverage you’re looking for because it’s been sold to Farmers Insurance Group.

Farmers may be cheaper, but Allstate has a larger market share. Ultimately, the best car insurance company for you is the one that meets your needs and budget.

Hopefully, we’ve helped you decide whether to buy Allstate vs. MetLife car insurance. Use our free online quote tool to expand your shopping and compare multiple companies in your local area.

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