AAA vs. Metlife: Which Company is the Best Fit for You?

So, you're in the market for a new car insurance policy. You may have even narrowed down your search to AAA and Metlife. But which of these two companies is the best one for you? Read on to find which company has the best prices and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • In general, AAA offers slightly less expensive premiums than Metlife
  • AAA tends to be a much more affordable option for policyholders who live in the suburbs
  • Metlife has cheaper rates for couples purchasing insurance together


AAA vs. Metlife: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to AAA or Metlife as potential options, but between the two, which one will save you the most?

AAA Metlife
$314$340

As you can see, AAA is about $26 per month more affordable than Metlife when looking at the national average rates for car insurance.

Even so, AAA may not be the most affordable or best option for every driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your driving record, or even your credit score (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Luckily, we've broken down average rates from both AAA and Metlife by many different rate factors, so read on to find out which company is the best for you.

AAA or Metlife: Average Car Insurance Rates by State

State AAA Metlife
AR$212$444
AZ$349$367
CA$215$362
IL$279$316
LA$644$777
MO$376$281
NE$346$317
NV$275$408
TX$179$361
WI$246$371

AAA and Metlife compete against each other in 10 states, with AAA offering cheaper prices to the average driver in all of them. If you live in, undefined is the less expensive of the two carriers when looking at the overall average rates, but Metlife is the cheaper option in most of the others.

That being said, there's a lot more that goes into your auto insurance bill than just your home state. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

AAA Metlife
18-year-old drivers$689$959
25-year-old drivers$276$274

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have AAA for their auto insurance pay more than $250 less than those who use Metlife.

That being said, both companies will reduce prices once you turn 25. For example, average rates for AAA policyholders drop nearly 60% and Metlife's premiums decrease over 70% over that time.

Which is the Best Company for Retired Drivers?

AAA Metlife
65+-year-old drivers$238$205

Once you approach retirement age, you'll usually enjoy the lowest insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

So, which carrier offers the best rates to retired drivers? Metlife gets the edge, with prices for drivers 65 and older almost 15% cheaper than the national average for AAA.

Which is the Best Company for Married Drivers?

AAA Metlife
Single$369$434
Married$239$216

Did you know that car insurance rates are generally less expensive for married drivers than they are for single policyholders? That's because policies for married policyholders typically cover more than one car, which many carriers will offer you a discount for.

When it comes to relationship status, AAA is the clear winner for those who are single, with premiums around $65 a month more affordable than Metlife, on average. It's not quite so glaring for married couples, where drivers who use Metlife save nearly $25 per month.

AAA vs. Metlife: Average Rates by Gender

AAA Metlife
Male$331$354
Female$297$326

Women normally to pay less for insurance than men. This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim.

With AAA, women typically pay more than 10% a month less than men, and almost 10% less with Metlife when compared to their male counterparts.

Looking at the data for each company specifically, AAA comes out as the cheapest option for both genders. On average, male drivers save about $23 per month and women save about $29 with AAA compared to the average Metlife policyholder.


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AAA or Metlife: Compare State Minimum vs. Full Coverage Rates

AAA Metlife
State Minimum*$169$215
Full Coverage**$459$466

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability).

If you're looking for state minimum limits for liability insurance, AAA generally offers less expensive rates of $169 compared to Metlife's $215. When it comes to full coverage policies with similar limits, AAA again has the edge, with policies around $7 a month cheaper than Metlife, on average.

Is AAA or Metlife Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and accidents on your record, but which of these two companies offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Metlife
Clean Record$213$220
1 Speeding Ticket$299$279

AAA policyholders can expect their premiums to go up an average of $86 per month if they get a ticket, while Metlife usually raises rates about $59 a month, on average.

If you have a clean record, AAA tends to offer the best premiums at around 3% more affordable, while Metlife has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

AAA Metlife
Clean Record$213$220
1 At-Fault Accident$339$368

After an accident, drivers who have their insurance through AAA can expect to see about an $126 -- or around 37% -- increase in their auto insurance prices. Drivers who use Metlife for their car insurance will see a monthly bill about $148 (or 40%) more expensive after reporting a collision to their auto insurance carrier.

Overall, AAA offers the cheapest rates for drivers with an at-fault accident on their records, with monthly prices averaging $339 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

AAA Metlife
Clean Record$213$220
1 DUI$403$494

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than an accident or ticket. On average, Metlife will climb your premiums around 55% after a DUI, while AAA's average prices climb by over 45%.


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How does Credit Score Impact AAA and Metlife Rates?

Did you know that many car insurance carriers take into account your credit score when calculating premiums? This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for lots of drivers.

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

Looking at AAA and Metlife specifically, which company has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

AAA Metlife
Excellent Credit Score$185$222
Good Credit Score$247$274

Which Company is Best for Drivers with Bad Credit?

AAA Metlife
Fair Credit Score$304$339
Poor Credit Score$539$530

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Is AAA or Metlife Better for Drivers who Work from Home or Have Short Commutes?

AAA Metlife
6,000 Annual Miles$307$339
12,000 Annual Miles$320$342

Did you know that the amount of time you spend in your car have a pretty big impact on how much auto insurance carriers will charge for coverage? Generally, those who drive less will end up with more affordable premiums since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, AAA tends to be the cheaper option. Metlife's average rates for drivers with 6,000 annual miles come in just under 10% more expensive than AAA. Those who drive 12,000 miles annually can expect to pay 6% more with Metlife over AAA.

AAA vs. Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly insurance cost. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

AAA Metlife
Urban Areas$384$389
Suburban Areas$301$333
Rural Areas$256$299

AAA tends to offer the most affordable prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, AAA offers rates about $384 monthly compared to Metlife's $389. People who live in suburban ZIP codes can expect to pay around $301 per month for AAA and $333 for Metlife. Lastly, those in rural areas tend to get the lowest prices from both companies, with average monthly premiums coming in at $256 and $299 for AAA and Metlife respectively.

AAA vs. Metlife Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

The hard part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've taken a look at all of the different discounts AAA and Metlife offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

AAA Metlife
AAA Discount
ABS Discount 
Academic Discount
Advance Quote Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount
Combat Auto-Theft Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
DriveSharp Discount 
EFT Discount
Employee Discount
Employers Subject to MA Worker Discount 
Employment Tenure Discount 
Family Car Discount 
Farm Discount 
Garage Discount 

Looking at the total number of discounts, Metlife comes out ahead with 36 discounts to AAA's 33.

There are a couple discounts both carriers offer, but Metlife also offers ABS discounts, agency transfer discounts, annual mileage discounts, and more that AAA does not.

On the flip side, AAA has a couple unique discounts of its own -- advance quote discounts, COVID-19 relief discount, discounts for getting driver training, and more.


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Final Thoughts: Is AAA or Metlife Best for You?

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best fit for you?

AAA might be best for you if....

  • You have a DUI charge on your record.
  • You want basic insurance coverage at the state minimum limits.
  • Your home is located in the suburbs.


Metlife might be best for you if...

  • You are considering moving to another state -- undefined only offers policies in.
  • You care about discounts (Metlife offers the most).
  • You are purchasing your auto insurance with a spouse.

We hope this guide helps you get a better idea of the difference between AAA and Metlife and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just AAA and Metlife. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.


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AAA vs. Metlife FAQs

Is AAA or Metlife cheaper?

Looking just at the national average rates, AAA is the less expensive of the two companies, offering average rates of $314 a month compared to $340 for Metlife. But AAA won't necessarily be the cheapest company for everyone, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, AAA or Metlife?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for every driver -- it all depends on the makeup of your unique insurance profile. For example, AAA offers cheaper premiums for drivers with an at-fault collision on their record, while Metlife is more affordable for drivers who have less-than-stellar credit scores.

Why do AAA and Metlife offer me different rates?

Car insurance carriers take a look at quite a few different factors when determining the prices they charge policyholders. Variables like age, your driving record, where you park your car, gender, and sometimes even things like your credit score can all be used. Both AAA and Metlife calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if AAA or Metlife is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be AAA or Metlife at all!


Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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