American Family vs. MetLife Car Insurance [2021]

A comparison between American Family vs. MetLife car insurance reveals both companies are equally matched. MetLife holds a higher A.M. Best rating than American Family and offers twice as many discounts as American Family. However, American Family insurance is far more affordable, on average, than MetLife coverage.

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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: Jun 22, 2021

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Here's What You Need to Know

  • American Family offers far more affordable rates than MetLife
  • MetLife offers more discounts than American Family Insurance
  • A.M. Best gave a higher rating to MetLife over American Family car insurance

Part of what makes comparing car insurance companies difficult is the number of options on the market. To simplify matters, we will be focusing on American Family vs. MetLife today.

Our American Family vs. MetLife car insurance review will go over pricing, available discounts, and A.M. Best ratings.

Before we dive into American Family vs. MetLife car insurance rates, type your ZIP code into our free and helpful tool above. With it, you’ll find the most affordable car insurance quotes from companies in your area.

American Family vs. MetLife: Which has cheaper car insurance rates?

The simplest place to start when pitting two car insurance companies together is pricing. Let’s look at a table that compares insurers’ monthly rates for liability-only coverage.

Average Monthly Liability-Only Auto Insurance Rates
CompanyAverage Monthly Rates, Liability-Only
American Family$50
Ameriprise$110
Esurance$135
MetLife$69
Safe Auto$115
Safeco$40
The General$35
The Hanover$116
The Hartford$45
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How easy is it to find affordable American Family vs. MetLife car insurance quotes? As you can see, this basic coverage is $19 more per month with MetLife.

Since we know American Family is the company with the cheaper rates, let’s see if it can strengthen the lead when we cover offered discounts.

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American Family vs. MetLife: Which company offers more car insurance discounts?

Now that we’ve seen what prices you can expect, how can you lower them? Let’s take a look at a table that shows discounts available from major insurers including American Family and MetLife.

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
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As you can see, American Family offers six of this list’s discounts. This includes a 30% discount for having passive restraint in your vehicle.

MetLife, however, offers twice as many discounts. Included in these 12 available discounts are an anti-lock brakes insurance discount, adaptive headlights, daytime running lights, and more safety feature discounts.

You can sign up for some of these auto insurance discounts and more online with your MetLife login or American family login information. 

Now, let’s wrap up with American Family auto insurance and MetLife car insurance ratings to see if there is a clear winner.

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American Family vs. MetLife: Which company is more well-reviewed?

To wrap up, let’s look at the ratings given to these two companies by A.M. Best. These Financial Strength Ratings (FSR) give potential insured confidence in an insurer’s ability to meet its financial obligations.

American Family received a rating of “A” (Excellent), which is the second-highest of seven rating tiers. How did MetLife fare in comparison? It received a higher rating of “A+” (Superior).

In short, American Family has more affordable rates, but MetLife offers more discounts and holds a higher rating from A.M. Best.

We hope you learned all you needed to decide between whether to buy American Family vs. MetLife car insurance. Type your ZIP code into our free and helpful tool below for quotes in your area.

American Family vs. MetLife: Frequently Asked Questions

Scroll through for answers to the frequently asked questions about MetLife.

#1 – What is the MetLife insurance phone number?

The customer service number is 1 (800) 638-5433 but you can also type your MetLife login information on the app.

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Average Monthly Car Insurance Rates by State