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MetLife vs. Geico: Who has better car insurance?

Choosing between these strong competitors may come down robust coverage or cheap rates.

Roslyn McKenna
Roslyn McKenna

Last updated:

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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

Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.

  • Tons of discounts
  • Innovative mobile app
  • Easy repair process
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Compare MetLife vs. Geico car insurance

 

MetLife

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Geico

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OVERVIEW

 OVERVIEW
About the provider
About the brand With an array of car insurance policies and coverage options, you’re almost certain to find a policy that meets your unique needs. Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
States served
States served All 50 states All 50 states
User satisfaction
User satisfaction Not rated 3 stars
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Accident forgiveness Yes Yes
SR-22 insurance
SR-22 insurance Yes
Claims methods
Claims methods online
phone
 online
phone
Payment schedule
Payment schedule monthly
 12 months
6 months

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount No Yes
Multi car discount
Multi car discount Yes Yes, up to 25%
Paid in full discount
Paid in full discount No Yes
Safety device discount
Safety device discount Yes Yes, up to 15%
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes, up to 15%
Usage based discount
Usage based discount Yes No
Other discounts
Other discounts Seat belt use, up to 15% discount
Learn more
Learn more
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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.

Compare alternatives to MetLife and Geico

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
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The Hartford
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Metromile
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Root
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AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
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Clearcover
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Gabi
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Allstate
Allstate
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Compare up to 4 providers

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