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

Quick Facts

• In general, Alfa Alliance offers significantly cheaper premiums than Metlife
• Alfa Alliance offers more affordable prices for policyholders who may not have much of a commute
• Metlife offers more discounts than Alfa Alliance Insurance

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Alfa Alliance or Metlife for your next policy, but which company will offer you more affordable premiums?

As you can see, Alfa Alliance has average rates that are about 45% per month cheaper than those from Metlife when looking at the national average rates for car insurance.

That being said, that doesn't mean Alfa Alliance will necessarily be more affordable than Metlife for each driver. Insurance companies vary their prices depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and a ton of other factors. So, at the end of the day, rates from each company will differ quite a bit from person to person.

So, if you want to find out which of Alfa Alliance or Metlife is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

Alfa Alliance or Metlife: Average Car Insurance Rates by State

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But there's more to calculating insurance rates than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car 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 Alfa Alliance for their insurance pay more than $500 less than those who use Metlife.

However, both carriers will lower premiums once you turn 25. For example, average prices for Alfa Alliance policyholders reduce nearly $40 and Metlife's rates decrease over $500 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums out there.

When looking at Alfa Alliance and Metlife specifically, which company is best for retired drivers? Alfa Alliance gets the edge here, with average rates coming in at around $155 a month compared to Metlife's $205.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance premiums than married couples. That's because policies for married policyholders usually cover more than one car, which many companies will offer you a discount for.

When it comes to relationship status, Alfa Alliance is the clear winner for single policyholders, with prices about $225 a month less expensive than Metlife, on average. For married drivers, the advantage is clear again - Alfa Alliance has the edge when it comes to average rates.

Alfa Alliance vs. 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 typically end up paying a little more.

Women generally pay around $1 per month less than men with Alfa Alliance, while with Metlife, the difference is closer to $28 a month.

When it comes to the most affordable premiums for each gender, Alfa Alliance offers the lowest average prices for both men and women. On average, male drivers save about $159 per month and women save about $132 with Alfa Alliance compared to the average Metlife policyholder.

Alfa Alliance or 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, auto insurance isn't the easiest topic to understand. There are several different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

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

If you're looking for state minimum limits for liability insurance, Alfa Alliance generally offers significantly cheaper premiums of $103 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Alfa Alliance again has the edge, with policies around $200 a month more affordable than Metlife, on average.

Is Alfa Alliance or Metlife Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 carriers offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alfa Alliance policyholders can expect their prices to go up an average of $23 per month if they get a ticket, while Metlife normally raises rates about $59 a month, on average.

Even so, Alfa Alliance is usually the less expensive option for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save around $113 per month and drivers with a ticket can save about $149 a month with Alfa Alliance Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault accident with Metlife increasing by just under $150. Alfa Alliance has a less extreme increase, but you can still expect to pay $55 more than you were prior to your first collision.

Overall, Alfa Alliance offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $162 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Metlife will increase your rates around 55% after a DUI, while Alfa Alliance's average premiums climb by over 70%.

How does Credit Score Impact Alfa Alliance and Metlife Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

The reasoning insurance carriers use is that policyholders 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 typically be forced to pay more.

Looking specifically at Metlife and Alfa Alliance, which carrier has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Alfa Alliance charges. However, there's a small difference in monthly premiums for Metlife, with drivers who put 6,000 miles on their car every year paying about $3 less each month compared to those who drive 12,000 miles yearly. Still, Alfa Alliance is the more affordable option for drivers in both categories.

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

Where you park your vehicle can have a considerable impact on your monthly insurance cost. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads in those areas.

Alfa Alliance tends to offer the lowest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Alfa Alliance offers prices around $200 per month compared to Metlife's $389. People who live in suburban ZIP codes can expect to pay about $234 per month for Alfa Alliance and $333 for Metlife. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly premiums coming in at $149 and $299 for Alfa Alliance and Metlife respectively.

Alfa Alliance vs. Metlife Discounts

Regardless of 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 possible. That's where auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Below, we've compared all of the different discounts offered by Alfa Alliance and Metlife so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Metlife knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering 36 different discounts to Alfa Alliance's 36.

A couple of those are overlapping for things like discounts for being a good driver, discounts for being a good student, and mature driver discounts. Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that Alfa Alliance does not.

On the flip side, Alfa Alliance has a couple unique discounts of its own -- advance quote discounts, discounts for getting driver training, intra-agency transfer discounts, and more.

Final Thoughts: Is Alfa Alliance or Metlife Best for You?

So, you've seen how different variables can affect your car insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which company is the right one for you and your specific profile and needs?

Alfa Alliance might be best for you if....

• You have a clean record.
• You're looking for more protection with "full coverage" insurance.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Metlife might be best for you if...

• You are considering moving to another state -- undefined only offers policies in.
• You're looking for discounts -- Metlife has the most.

We hope this guide helps you get a good idea of the differences between Alfa Alliance and Metlife and that it aids in making a more informed decision about your insurance.

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

Alfa Alliance vs. Metlife FAQs

Is Alfa Alliance or Metlife cheaper?

Looking just at the national average prices, Alfa Alliance is the cheaper of the two companies, offering average rates of $194 a month compared to $340 for Metlife. But Alfa Alliance won't necessarily be the cheapest carrier for every policyholder, since there are many different factors that come into play when it comes to your car insurance bill.

Who is better, Alfa Alliance or Metlife?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for each driver -- it all boils down to your unique auto insurance profile.

Why do Alfa Alliance and Metlife offer me different rates?

Insurance carriers take a look at lots of different variables when determining the premiums they charge drivers. Things such as gender, where your home is, your driving record, age, and sometimes even things like your credit score can all come into play. Both Alfa Alliance and Metlife calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Alfa Alliance 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.