GEICO vs. MetLife Car Insurance [2021]

How does GEICO vs. MetLife car insurance compare? GEICO does provide average quotes for their car insurance rates, but MetLife does not. However, Metlife is an older and much smaller company with better objective customer service ratings. GEICO has better financial strength ratings, but MetLife offers more car insurance discounts than GEICO does. It's always best to shop around and compare rates from different car insurance companies.

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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: Dec 2, 2020

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Metlife vs. Geico Car Insurance Comparison Summary
DetailsMetLifeGEICO
Year Founded18681936
Headquarters200 Park Avenue
New York, New York 10166
5260 Western Avenue
Chevy Chase, MD 20815
Available in:50 states50 states
Direct Premiums Written$1,385,699,000$20,268,002,000
Market Share1.00%13.69 %
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You don’t want to spend more than you have to for car insurance. So, why not do your homework? Two major car insurers are GEICO and MetLife.

So, let’s take a closer look at and compare GEICO vs. MetLife car insurance. We’ll be looking at rates, discounts, financial ratings, customer satisfaction, and more. Let’s get started.

Make sure you make the right choice. Enter your ZIP code to get FREE quotes from the best auto insurance companies.

GEICO vs. MetLife: Comparing Car Insurance Rates

Let’s take a look at car insurance rates for GEICO car insurance versus MetLife car insurance. For these, we only have rates for GEICO, so points to them for transparency.

GEICO vs. MetLife: Which is cheapest by state?

Your car insurance rates are heavily based upon where you live. It may not seem fair, but the theft and vandalism rates where you live will determine how much you have to pay for car insurance.

Take a look at the table below to see how your state averages for car insurance rates by state.

Geico Average Annual Car Insurance Rates by State
StateGeico Average Annual RatesHigher/Lower than State AveragePercent Higher/Lower than State Average
Alaska$2,879.96-$541.56-18.80%
Alabama$2,866.60-$700.36-24.43%
Arkansas$3,484.63-$640.35-18.38%
Arizona$2,264.71-$1,506.26-66.51%
California$2,885.65-$803.28-27.84%
Colorado$3,091.69-$784.70-25.38%
Connecticut$3,073.66-$1,545.26-50.27%
District of Columbia$3,692.81-$746.43-20.21%
Delaware$3,727.29-$2,259.04-60.61%
Florida$3,783.63-$896.83-23.70%
Georgia$2,977.20-$1,989.63-66.83%
Hawaii$3,358.86$803.2223.91%
Iowa$2,296.16-$685.12-29.84%
Idaho$2,770.68-$208.41-7.52%
Illinois$2,779.16-$526.33-18.94%
Indiana$2,261.07-$1,153.90-51.03%
Kansas$3,220.65-$58.98-1.83%
Kentucky$4,633.59-$561.81-12.12%
Louisiana$6,154.60$443.257.20%
Maine$2,823.05-$130.23-4.61%
Maryland$3,832.63-$750.07-19.57%
Massachusetts$1,510.17-$1,168.68-77.39%
Michigan$6,430.11-$4,068.53-63.27%
Minnesota$3,498.54-$904.72-25.86%
Missouri$2,885.33-$443.61-15.37%
Mississippi$4,087.21$422.6410.34%
Montana$3,602.35$381.5010.59%
North Carolina$2,936.69-$456.42-15.54%
North Dakota$2,668.24-$1,497.60-56.13%
Nebraska$3,837.49$553.8114.43%
New Hampshire$1,615.02-$1,536.76-95.15%
New Jersey$2,754.94-$2,760.27-100.19%
New Mexico$4,458.30$994.6622.31%
Nevada$3,662.09-$1,199.61-32.76%
New York$2,428.24-$1,861.64-76.67%
Ohio$1,867.19-$842.53-45.12%
Oklahoma$3,437.34-$704.99-20.51%
Oregon$3,220.12-$247.65-7.69%
Pennsylvania$2,605.22-$1,429.28-54.86%
Rhode Island$5,602.63$599.2710.70%
South Carolina$3,178.01-$603.13-18.98%
South Dakota$2,940.29-$1,041.98-35.44%
Tennessee$3,283.42-$377.47-11.50%
Texas$3,263.28-$780.00-23.90%
Utah$2,965.57-$646.32-21.79%
Virginia$2,061.53-$296.35-14.38%
Vermont$2,195.71-$1,038.42-47.29%
Washington$2,568.65-$490.67-19.10%
West Virginia$2,120.80-$474.56-22.38%
Wisconsin$3,926.20$320.138.15%
Wyoming$3,496.56$296.478.48%
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You can see just how these numbers jump around. Living in Iowa versus living in Michigan are whole different worlds in car insurance land.

GEICO vs. MetLife: Which is cheapest by driving record?

Your driving record is easily one of the biggest factors that determine your rates. That won’t be a surprise if you’ve ever received a speeding ticket or caused a fender-bender.

Let’s look at how GEICO handles these rates, as MetLife does not provide theirs.

GEICO vs. MetLife: Rates with One Speeding Ticket

Getting a speeding ticket is never the highlight of your day, and it just keeps causing trouble by raising your rates. Let’s look at how GEICO judges a speeding ticket.

GEICO Average Annual Car Insurance Rates with One Speeding Ticket
Driving RecordGEICO Average Annual Rates
Clean record$2,145.96
With 1 speeding violation$2,645.43
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GEICO raises your rates around 23 percent for just one speeding ticket.

GEICO vs. MetLife: Rates with One Car Accident

If you’re found at-fault for a car accident, your rates will almost certainly go up. Let’s see how GEICO determines this.

GEICO Average Annual Car Insurance Rates With One At-Fault Accident
Driving RecordGEICO Average Annual Rates
Clean record$2,145.96
With 1 accident$3,192.77
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One at-fault accident can raise your rates by 49 percent with GEICO.

GEICO vs. MetLife: Rates with One DUI

The worst driving offense you can commit here is to get a DUI.

GEICO Average Annual Car Insurance Rates Increase With One DUI
Driving RecordGEICO Average Annual Rates
Clean record$2,145.96
With 1 DUI$4,875.87
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GEICO raises your rates around 127 percent if you get one DUI.

GEICO vs. MetLife: Which is cheapest by age and gender?

GEICO has provided its car insurance rates by age and gender, as you can see in the table below.

GEICO Average Annual Car Insurance Rates by Age and Gender
DemographicGEICO Annual Average Rates
Married 60-year-old female$2,247.06
Single 25-year-old male$2,262.87
Married 60-year-old male$2,283.45
Married 35-year-old female$2,302.89
Married 35-year-old male$2,312.38
Single 25-year-old female$2,378.89
Single 17-year-old female$5,653.55
Single 17-year-old male$6,278.96
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As with most insurers, younger drivers will pay more for their car insurance.

It’s important to note that it’s illegal in some states to factor your gender into your car insurance rates.

These states include:

  • California
  • Montana
  • North Carolina
  • Pennsylvania
  • Massachussetts
  • Hawaii

But for other states, it’s still legal to charge more because of your gender.

GEICO vs. MetLife: Which is cheapest by credit score?

Unfortunately, your credit score can affect your car insurance rates as well.

GEICO Average Annual Car Insurance Rates By Credit History
Credit HistoryGEICO Average Annual Rates
Good$2,434.82
Fair$2,986.79
Poor$4,259.50
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Someone with poor credit can pay 75 percent more than someone with a good credit score. That can make it seem overwhelming when you are trying to improve your credit to have to pay extra for this bill.

But it’s a good motivator.

GEICO vs. MetLife: Which is cheapest by annual mileage?

Your commute length affects how much you’ll pay for your car insurance.

GEICO Average Annual Car Insurance Rates by Commute Length
Annual Commute LengthGEICO Average Annual Rates
10 miles commute/ 6,000 annual mileage$3,162.64
25 miles commute/ 12,000 annual mileage$3,267.37
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Though this isn’t a huge factor, you can still pay around 3 percent higher for your car insurance if you have a long commute.

GEICO vs. MetLife: Which is cheapest by car make and model?

Some vehicles just cost more to insure. That isn’t a surprise if you think about it. Insurance companies are tasked with repairing and replacing damaged vehicles.

GEICO Average Annual Car Insurance Rates by Vehicle Make and Model
Make and ModelUSAAGEICO
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$2,551.56$3,092.11
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$2,409.67$3,092.58
2015 Toyota RAV4: XLE$2,454.58$3,090.89
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$2,855.69$3,338.40
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$2,422.66$3,338.87
2018 Toyota RAV4: XLE$2,529.63$3,337.18
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More expensive vehicles cost more to repair, so they’ll charge more to insure them.

GEICO vs. MetLife: Which is cheapest by coverage level?

Most car insurers offer different levels of coverage to choose from. We don’t have information for MetLife, but you can see how GEICO calculates this below.

GEICO Average Annual Car Insurance Rates by Coverage Level
Coverage LevelGEICO Average Annual Rates
Low$3,001.91
Medium$3,213.97
High$3,429.14
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It’s only 14 percent more expensive to buy a higher level of coverage instead of a low one. Why not do it then if it’s in the budget?

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GEICO vs. MetLife: Ratings and Customer Satisfaction

Here we can actually do a side by side comparison for GEICO vs MetLife. And these ratings are objectively important.

GEICO vs. MetLife: What are their financial ratings?

Let’s talk about customer satisfaction and financial ratings.

GEICO vs. MetLife Financial Ratings
Rating CompanyMetLifeGEICO
AM BestA+A++
S&PAA-AA+
Moody'sAa3Aa3
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GEICO and MetLife each have strong financial ratings, but GEICO does beat out MetLife through AM Best and S&P.

Overall, GEICO wins this one.

GEICO vs. MetLife: How do customers rate them?

Take a look at customer satisfaction ratings below.

GEICO vs. MetLife: Customer Satisfaction Ratings
Customer Satisfaction RatingMetLifeGEICO
JD PowerBelow AverageAbout Average
NAIC Complaint Index0.481.15
Better Business BureauA+B+
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MetLife has a worse JD Power rating, but it does much better than GEICO in its NAIC complaint index and Better Business Bureau.

GEICO vs. MetLife: What is their market share?

GEICO is the second-largest car insurance company in the country with a 13.69 percent market share, only behind the behemoth that is State Farm.

MetLife is much smaller with a market share of 1.00 percent.

GEICO vs. MetLife: Car Insurance Coverage and Options

What coverages do these companies offer?

GEICO vs. MetLife: What are their coverage options?

Metlife offers standard car insurance, GAP, PIP, renters, towing and roadside assistance.

GEICO also offers the major car insurance options, including collision, comprehensive, roadside assistance, rental reimbursement, and mechanical breakdown coverage.

Usage-Based Insurance Programs

Both GEICO and MetLife offer usage-based systems.

This video goes over GEICO’s DriveEasy telematics program.

Metlife has a usage-based system called their My Journey Program which can help lower your rates.

GEICO vs. MetLife: What discounts do they offer?

Even if you have a terrible driving record, you can still qualify for discounts on your car insurance. So, which discounts do these companies offer?

Geico vs MetLife Car Insurance Discounts
DiscountsGeicoMetLife
Adaptive Cruise Controlx
Adaptive Headlightsx
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlx
Utility Vehiclex
Vehicle Recoveryxx
VIN Etchingx
Lane Departure Warningx
Newer Vehiclexx
Forward Collision Warningx
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appxx
Early Signingxx
Emergency Deploymentx
Family Legacyxx
Farm Vehiclex
Federal Employeexx
Full Paymentx
Further Educationx
Good Studentxx
Homeownerxx
Low Mileagexx
Loyaltyxx
Marriedx
Membership/Groupxx
Militaryxx
Multiple Driversx
Multiple Policiesxx
Multiple Vehiclesxx
New Customer/New Planx
Occupationxx
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintxx
Renterx
Safe Driverxx
Seat Belt Usex
Senior Driverx
Students & Alumnixx
Switching Providerx
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GEICO offers 33 car insurance discounts, but MetLife is even more generous. MetLife offers 39 car insurance discounts for its drivers.

GEICO vs. MetLife: Which company is the best?

So, who is better: GEICO or MetLife?

GEICO seems to be best for transparency, as we can see their average rates but not Metlife’s. However, GEICO is a larger insurer which means they have more resources.

GEICO has better overall financial ratings, but MetLife has a better BBB rating and lower NAIC complaint index.

MetLife offers more car insurance discounts than GEICO does.

So, it comes down to what’s important to you. GEICO certainly is more transparent and is stronger financially, but MetLife may be better for customer service.

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