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

Quick Facts

• In general, Acuity offers slightly less expensive prices than Metlife
• Acuity has cheaper rates for policyholders whose driving record contains an at-fault collision
• Metlife offers more affordable premiums for drivers who have a speeding ticket on their driving record

Acuity or Metlife: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You might have narrowed it down to Acuity or Metlife, but which carrier will offer you more affordable prices?

Looking at nationwide averages, Metlife is around $27 more a month than Acuity.

Even so, Acuity may not be the lowest or best option for each driver out there. Insurance carriers use tons of complex algorithms to determine rates, so depending on how clean your driving record is or how good your credit score is (among lots of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Acuity or Metlife is really the best for you, keep reading to see average prices for each company broken down by multiple different rate factors.

Acuity vs. Metlife: Average Car Insurance Rates by State

Acuity and Metlife only compete against each other in two states, with Metlife offering less expensive rates to the average driver in all of them. Wisconsin has the most noticable difference, where Acuity premiums are $126 cheaper than car insurance rates at Metlife.

There's a lot more that goes into your auto insurance bill than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers out there on the road. Usually, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Metlife for their insurance pay over 1% less than those who use Acuity.

But with both companies, you'll see your rates reduce significantly by the time you turn 25. For example, average prices for Acuity policyholders drop more than 75% and Metlife's premiums lower over 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable car insurance rates out there. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise prices.

When looking at Acuity and Metlife specifically, which carrier is best for retired drivers? Acuity gets the edge here, with average premiums coming in at about $183 a month compared to Metlife's $205.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for those who are single than they are for married drivers? This usually boils down to married couples having multiple vehicles on their policy -- something a lot of auto insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is not very significant, with Acuity prices coming in at around 7% less than Metlife's. But for married policyholders, the advantage is clear - Acuity has the edge when it comes to average premiums.

Acuity or Metlife: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will normally end up paying a little more.

Men typically pay about $20 per month more than women with Acuity, and around $28 more with Metlife.

Looking at the data for each company specifically, Acuity offers the cheapest average rates for both men and women, with average prices 9% less for men and 7% cheaper for women.

Acuity vs. Metlife: Compare State Minimum vs. Full Coverage Rates

*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, insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, Acuity has the edge, with average monthly premiums coming in at $172. If you want a full coverage policy with the same state minimum limits, Acuity again has the edge, with policies averaging about $454 a month to Metlife's $466.

Is Acuity or Metlife Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that accidents and speeding tickets lead to higher prices, but which carrier -- Acuity or Metlife -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Acuity for their car insurance can generally expect their monthly bill to go up around 29% after getting a speeding ticket. Metlife policyholders can expect a less drastic increase of about 21%.

That being said, Metlife is typically the more affordable option for both drivers who have clean records and those with a recent ticket. With MetLife, drivers with a clean record can save around $9 per month and drivers with a speeding ticket can save about $44 a month.

Which Company is Best for Drivers After an Accident?

Acuity drivers who get in an accident can expect to see their premiums rise by over $100, while those who have insurance through Metlife will see around a $150 increase.

At the end of the day, the less expensive rates come from Acuity, with average prices coming in at $344 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your auto insurance bill. Metlife drivers usually see a 55% increase in their insurance rates after a DUI charge, while Acuity will usually climb premiums by about 36%.

How does Credit Score Impact Acuity and Metlife Rates?

Often times, your credit score can be used as one of the variables to calculate your monthly auto insurance prices. This isn't true for everyone (for example, Michigan and California are two states that ban the practice entirely), but it might come into play for many policyholders.

The reasoning car insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will normally be forced to pay more.

Looking at Acuity and Metlife specifically, which one has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

How much you drive can have a substantial impact on how much insurance companies will charge for coverage. Usually, the more milage you drive, the more you can expect to pay for coverage.

For both remote workers and those taking short commutes, Acuity tends to be the cheaper option. Metlife's average rates for drivers with 6,000 annual miles come in around 12% more expensive than Acuity. Those who drive 12,000 miles every year can expect to pay about 4% more with Metlife over Acuity.

Acuity or Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a large role in how much you pay for auto insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Acuity boasts the most affordable average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 15% with Acuity compared to Metlife. People who live in suburban areas pay about 6% less with Acuity compared to Metlife. For drivers in urban ZIP codes, Acuity Insurance's average prices are around 4% less than MetLife.

Acuity vs. Metlife Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where auto insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Acuity and Metlife so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Metlife blows Acuity away when it comes to the sheer amount of discounts available, offering 36 different discounts to Acuity's nine.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, distant student discounts, and discounts for being a good student -- but Metlife also offers discounts for AAA, ABS, academic, and more.

On the other hand, Acuity has a few proprietary discounts of their own for things like college graduate discounts, continuous insurance discounts, and COVID-19 relief discount.

Final Thoughts: Is Acuity or Metlife Best for You?

So, we've broken down the average rates for many of the factors car insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, is Acuity or Metlife the best fit for you?

Acuity might be best for you if....

• Your driving record contains an at-fault collision.
• You want the most robust protection via a "full coverage" policy.
• You have a short commute.

Metlife might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You have above-average credit.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Acuity and Metlife and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Acuity and Metlife. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Acuity vs. Metlife FAQs

Is Acuity or Metlife cheaper?

Acuity is the more affordable of the two carriers when looking at national average premiums, with policies averaging $313 per month with Acuity and $340 for Metlife. However, that doesn't mean Acuity will be the cheapest company for everyone, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Acuity or Metlife?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for each policyholder -- it all depends on what your unique insurance profile looks like. For example, Metlife is cheaper for drivers with excellent credit, while Acuity offers less expensive prices for drivers with a recent DUI.

Why do Acuity and Metlife offer me different rates?

Car insurance companies use several different factors when determining the rates they charge. Things like where you live, gender, age, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and Metlife use different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Acuity or Metlife at all, but another you hadn't even thought of!

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.