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

Quick Facts

• Based on national averages for insurance, Alliance United offers significantly cheaper premiums than Metlife
• Alliance United has less expensive rates for residents of rural areas
• Metlife offers more affordable average premiums for drivers who have less-than-stellar credit

Alliance United 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 big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Alliance United or Metlife, but which company will save you the most?

As you can see, Metlife is quite a bit more expensive than Alliance United, with prices averaging $340 per month compared to just $225 with Alliance United when looking at the national average rates for auto insurance.

That being said, that doesn't necessarily mean Alliance United will be the less expensive option for every single driver. Car insurance companies vary their rates depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a ton of other factors, so prices will differ quite a bit from person to person.

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

Alliance United or Metlife: Average Car Insurance Rates by State

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But there's more to calculating auto insurance prices than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. Just look at the table above -- where 18-year-old drivers who have Alliance United for their auto insurance pay more than $500 less than those who use Metlife.

However, both carriers will decrease premiums once you turn 25. For example, average prices for Alliance United policyholders reduce nearly $200 and Metlife's rates lower over $500 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you'll ever find.

But who has the best premiums for retired drivers between Alliance United and Metlife? Alliance United gets the slight edge, with rates for drivers 65 and older $11 cheaper than the national average for Metlife.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable auto insurance prices than single drivers. That's typically because married couples tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Alliance United is the clear winner for single policyholders, with premiums about $184 a month less expensive than Metlife, on average. The advantage is also clear for married policyholders - Alliance United offers the most affordable average prices.

Alliance United vs. Metlife: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into collisions, which means they'll normally end up paying more for car insurance than women.

Everyone gets the same monthly rates regardless of gender with Alliance United, and around $28 less with Metlife.

When it comes to the lowest premiums for each gender, Alliance United comes out on top for both men and women, with average prices $129 less for men and $101 cheaper for women.

Alliance United 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 can be pretty complicated. Everyone needs insurance, but there are so many different terms and limits 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 (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which usually 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, Alliance United typically offers significantly more affordable premiums of $102 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Alliance United again has the edge, with policies about $100 per month cheaper than Metlife, on average.

Is Alliance United 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.

It's no secret secret that tickets and at-fault accidents lead to higher rates, but which company -- Alliance United or Metlife -- has the most affordable premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United policyholders can expect their prices to go up an average of $46 a month if they get a ticket, while Metlife normally raises rates around $59 per month, on average.

Even so, Alliance United is generally the more affordable option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save about $81 a month and drivers with a ticket can save around $94 per month with Alliance United.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Alliance United can expect to see about an $150 -- or around 52% -- increase in their car insurance prices. Drivers who use Metlife for their auto insurance will see a monthly bill about $148 (or 40%) more expensive after reporting a collision to their car insurance carrier.

Overall, drivers who use Alliance United end up with the cheaper prices after an accident, with monthly rates averaging $289 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. Metlife drivers usually see a 55% increase in their insurance premiums after a DUI charge, while Alliance United will usually raise rates by around 52%.

How does Credit Score Impact Alliance United and Metlife Rates?

Did you know that many auto insurance companies take into account your credit score when calculating prices? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for many drivers.

The reasoning car 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.

So, which company offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have excellent credit, MetLife will usually reward you. With MetLife, improving your score from "good" to "excellent" will generally save you about 20%. On the other hand, because Alliance United doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with MetLife. For drivers with less-than-stellar credit, at MetLife, you may pay around 35% a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Alliance United, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Alliance United over MetLife.

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

How much you drive can have a considerable impact on your monthly auto insurance bill. That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Alliance United offers less expensive prices than Metlife. Metlife's average rates for drivers with 6,000 annual miles come in about 37% more expensive than Alliance United. Those who drive 12,000 miles each year can expect to pay around 31% more with Metlife over Alliance United.

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

Where you call home can have a pretty big impact on your monthly insurance cost. Normally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

Alliance United tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Alliance United offers premiums about $230 a month compared to Metlife's $389. People who live in suburban ZIP codes can expect to pay around $239 per month for Alliance United and $333 for Metlife. Lastly, those in rural areas tend to get the lowest rates from both companies, with average monthly premiums coming in at $206 and $299 for Alliance United and Metlife respectively.

Alliance United 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 insurance discounts comes into play.

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

In the table below, we've broken down all of the different discounts offered by both Alliance United and Metlife so that you can see which carrier can save you the most money each month.

Metlife blows Alliance United away when it comes to the sheer amount of discounts available, offering 33 more discounts than Alliance United.

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

Alliance United's discounts come through just three categories -- Defensive Driver, Good Driving, and Renewal Discount.

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

So, we've broken down the average prices for many of the factors auto insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which company is the best one for you, your vehicle, and your wallet?

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

• You want to save money on your car insurance after an accident.
• You live in an urban area.
• You've started working from home and don't have much of a commute.

Metlife might be best for you if...

• Your credit is below-average.
• You already have a great credit score.
• You want to save extra money with discounts.

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several companies, not just Alliance United and Metlife. Luckily, sites like Compare.com make it easy for you to do just that. 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.

Alliance United vs. Metlife FAQs

Is Alliance United or Metlife cheaper?

Looking just at the national average rates, Alliance United is the cheaper of the two companies, offering average rates of $225 a month compared to $340 for Metlife. That being said, Alliance United won't necessarily be the most affordable carrier for everyone, since there are a range of different variables that come into play when it comes to your auto insurance payment.

Who is better, Alliance United or Metlife?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for every driver -- it all depends on the makeup of your unique insurance profile. For example, Alliance United offers less expensive premiums for policyholders with an at-fault accident on their record, while Metlife is cheaper for drivers who have less-than-stellar credit scores.

Why do Alliance United and Metlife offer me different rates?

Car insurance carriers take a look at a lot of different factors when determining the prices they charge drivers. Variables such as where your home is, where you live, age, gender, and sometimes even things like your credit score can all come into play. Both Alliance United and Metlife calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers 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 information once 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 best rate. And who knows, the best carrier for you might not be Alliance United 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.