Amica vs. MetLife Car Insurance [2021]

When comparing Amica vs. MetLife car insurance, Amica boasts lower monthly rates than MetLife. Amica and MetLife both offer a variety of car insurance discounts, including safe driver and multi-policy, which could help you pay less for coverage. Both Amica and MetLife life insurance companies have superior A+ financial strength ratings with A.M. Best.

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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: Jul 27, 2021

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Here's What You Need to Know

  • Amica car insurance rates tend to be lower than those of MetLife
  • MetLife and Amica both offer a variety of car insurance discounts to policyholders
  • Amica and MetLife both have A+ financial strength ratings with A.M. Best

If you are searching for car insurance, you may be interested in comparing Amica vs. MetLife to see if either company offers exactly what you’re looking for.

Amica insurance company and MetLife car insurance each offer several car insurance coverage options and potential discounts, such as a safe driver discount, to policyholders. Amica and MetLife auto insurance rates vary depending on a variety of factors.

If your goal is to find cheap car insurance, compare rates from multiple companies. Before you buy Amica or MetLife car insurance, be sure to use our free tool above by entering your ZIP code to compare rates from companies in your area.

Does Amica or MetLife offer cheaper car insurance rates?

How easy is it to find affordable Amica vs. MetLife car insurance coverage options? The answer to that question depends largely on your age, your driving history, and the amount of coverage you’re looking for.

Amica and MetLife offer car insurance coverage to almost every driver — including high-risk drivers and drivers under the age of 21. But car insurance rates for young or high-risk driver will cost more than the average.

The table below compares a few standard Amica vs. MetLife car insurance rates to give you a broad idea of what each company might charge.

Amica vs. MetLife Sample Monthly Car Insurance Premiums
Driver's AgeAmicaMetLife
18$220/month$238/month
21$115/month$150/month
30s and 40s$60/month$72/month
mid-50s $52/month$68/month
Over 60$65/month$80/month
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From these average rates, you can see that Amica seems to charge less per month than MetLife for car insurance coverage. Keep in mind that these rates are just averages. You won’t know what either company will charge you until you ask for a personalized quote.

While rates between Amica and MetLife vary, both companies tend to offer rates that are cheaper than the average auto insurance rates by age and gender in the U.S.

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Does MetLife offer car insurance discounts?

Though the initial rates for MetLife car insurance may be a bit higher than those with Amica, MetLife does offer car insurance discounts to policyholders.

Both Amica and MetLife have a variety of car insurance discounts you may be eligible for, including:

  • Multi-policy
  • Multi-car
  • Car safety
  • New car
  • Anti-theft
  • Good driver
  • Defensive driver
  • Good student
  • Paid-in-full
  • Paperless
  • Occupational

These are just a few options for discounts on car insurance. If you’re curious about whether you would qualify for discounts, you can check with each insurance company to see what your options are.

Don’t commit to signing a policy with any company until you’ve reviewed all of your discount options.

Which company has better ratings, Amica or MetLife?

Amica boasts an A+ financial strength rating with A.M. Best, but MetLife is also in the top tier with a superior A+ rating.

This means that each company has a strong operating performance and is considered stable in its ability to help policyholders when they file claims.

If you’re considering Amica or MetLife car insurance companies, you can rest assured that each will be able to help you with coverage should you need it.

How can I get in touch with Amica?

Amica makes it easy to file claims with its mobile app. When logged into the Amica app, you can file a claim — for an Amica windshield replacement, for instance — check the status of a claim, revisit the specifics of your coverage, and much more.

Because Amica allows you to file claims and request roadside assistance via the app and online, it does not matter where Amica insurance is located. Help is available at the touch of your fingers.

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Is it easy to file a claim with MetLife?

Similar to Amica, MetLife offers the convenience of filing claims and requesting assistance via mobile app.

Using your MetLife auto login on the app allows you to file a claim, review the status of a claim, and even contact an office directly using the MetLife auto insurance phone number.

Should I choose Amica or MetLife for car insurance?

If you’re looking for the best deal on car insurance, the truth is that Amica and MetLife are just two of the many options you have for coverage. Instead of just comparing Amica vs. MetLife car insurance quotes, you can compare quotes from multiple companies to see what works best for you.

To compare quotes from multiple companies online simultaneously, you can use a free quote tool that shows you a side-by-side comparison based on your information.

In fact, now that you’ve read this Amica vs. MetLife review, you can compare quotes from multiple companies right now by entering your ZIP code into our free tool below.

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