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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.

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.

Our top pick: Geico

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

  • Save over $500 on average by switching
  • Earn or buy accident forgiveness to keep premiums low
  • Reach customer service 24/7 by phone, online or app
  • Access convenient app services like proof of insurance and bill pay

Compare MetLife vs. Geico car insurance

 

MetLife

Geico

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 Varies
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

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
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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
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.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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Compare up to 4 providers

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