Choosing between these strong competitors may come down robust coverage or cheap rates.
Cost is the number one factor most drivers use in deciding which policy to choose — and for the cheapest rates, Geico is typically the winner for most drivers. Geico is known as one of the cheapest car insurers, plus it also features other benefits like roadside assistance and accident forgiveness.
MetLife is also a solid car insurance provider available nationwide. You’ll find robust coverage and perks with MetLife that includes features designed for easy claims processing like no-deductible glass repair, lifetime repair guarantee and an online claims portal. And its list of discounts is nothing to sneeze at.
- Save over $500 a year when you switch
- Innovative mobile app
- Easy repair process
Our top pick: Geico
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
- Tons of discounts
- Innovative mobile app
- Easy repair process
Compare MetLife vs. Geico car insurance
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| With an array of car insurance policies and coverage options, you’re almost certain to find a policy that meets your unique needs. | As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY. |
| All 50 states | Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY |
| Not rated | 3 stars |
| 5 stars | 5 stars |
| Optional | Optional |
| Yes | Yes |
| No | Yes |
| Yes | Yes |
| No |
Yes |
| online phone |
online phone |
| monthly |
12 months 6 months |
| Yes | Yes |
| Yes | Yes |
| Yes | No |
| No | Yes |
| Yes | Yes, up to 25% |
| No | Yes |
| Yes | Yes, up to 15% |
| Yes | Yes |
| No | Yes |
| Yes | Yes, up to 15% |
| Yes | No |
| Seat belt use, up to 15% discount | |
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Bottom line
You’ll likely find Geico has the cheapest rates, but MetLife is a strong contender considering its many perks and available add-ons that make claims easy to manage. Plus, both insurers offer convenient apps and online policy management that make them steadfast candidates for car insurance. Compare car insurance quotes from both providers to choose the right one for you.