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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

Updated

Fact checked

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.

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. Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
States served
States served All 50 states All 50 states

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Rideshare coverage Yes (California, Colorado, Illinois, Texas and Washington) Yes
SR-22 insurance
SR-22 insurance No info available
 Yes
Claims methods
Claims methods Online
Phone
 Online
Phone
Agent
Payment schedule
Payment schedule monthly
 12 months
6 months
custom

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes, up to 25%
Bundling discount
Bundling discount Yes Varies
Home owner discount
Home owner discount Yes No
Military discount
Military discount No Yes, up to 15%
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, Varies by state
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
Learn more
Learn more
Read review
Read review

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
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
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USAA
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Allstate
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
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Root
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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