Allied Property & Casualty vs. Metlife: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Allied Property & Casualty offers significantly cheaper premiums than Metlife
• Allied Property & Casualty has less expensive rates for policyholders who haven't received any speeding tickets or been in an accident in the last few years
• Metlife offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. Metlife: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed it down to Allied Property & Casualty or Metlife as potential options, but between the two, which one will save you the most?

As you can see, Metlife has average rates that are about 65% per month more expensive than those from Allied Property & Casualty when looking at the national average rates for insurance.

But Allied Property & Casualty may not be the cheapest or best option for each driver out there. Car insurance companies vary their premiums depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and tons of other factors, so prices could vary drastically from person to person.

Wanting to know if Allied Property & Casualty or Metlife is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Allied Property & Casualty or Metlife: Average Car Insurance Rates by State

Allied Property & Casualty and Metlife only compete against each other in three states, with Allied Property & Casualty offering cheaper prices to the average driver in all of them. North Dakota has the most noticable difference, where Allied Property & Casualty premiums are over 70% less expensive than insurance prices at Metlife.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance carriers calculate your premiums. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Allied Property & Casualty save more than $500 a month compared to those who use Metlife.

However, both companies will offer you dramatically lower rates once you turn 25. For example, average prices for Allied Property & Casualty policyholders reduce over $100 and Metlife's premiums drop around $500 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase prices.

So, which company offers the best rates to retired drivers? Allied Property & Casualty gets the edge, with prices for drivers 65 and older $116 more affordable than the national average for Metlife.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be cheaper for married couples than they are for those who are single. That's normally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single drivers, with prices about $298 per month more affordable than Metlife, on average. The advantage is also clear for married drivers - Allied Property & Casualty offers the lowest average premiums.

Allied Property & Casualty vs. Metlife: Average Rates by Gender

Did you know women tend to pay less for insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher rates.

On average, women see premiums around 5% a month less with Allied Property & Casualty, while with Metlife, the difference is closer to 8% per month.

Looking at the data for each carrier specifically, Allied Property & Casualty comes out on top for both men and women. On average, male drivers save about $233 a month and women save about $211 with Allied Property & Casualty compared to the average Metlife policyholder.

Allied Property & Casualty 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.

It's no secret that auto 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.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Allied Property & Casualty generally offers significantly less expensive prices of $69 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies around $300 per month cheaper than Metlife, on average.

Is Allied Property & Casualty 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 at-fault collisions on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their premiums to go up an average of $21 a month if they get a ticket, while Metlife normally raises rates about $59 per month, on average.

Even so, Allied Property & Casualty is generally the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 65% more affordable for drivers with clean records and 65% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in a collision can expect to see their prices rise by over $40, while those who have insurance through Metlife will see around a $150 increase.

Overall, Allied Property & Casualty offers the lowest rates for drivers with an at-fault accident on their records, with monthly prices averaging $119 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 collision or ticket when it comes to your insurance bill. For example, Metlife increases average premiums by over $250 a month -- that's over a 55% increase.

How does Credit Score Impact Allied Property & Casualty and Metlife Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Metlife and Allied Property & Casualty, which company has the cheapest premiums 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 Allied Property & Casualty or Metlife Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a big impact on your monthly auto insurance bill? Usually, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a small difference in monthly rates for Metlife, with policyholders who drive 6,000 miles each year paying about $3 less every month compared to those who drive 12,000 miles annually. Still, Allied Property & Casualty is the cheaper option for drivers in both categories.

Allied Property & Casualty vs. Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a sizable role in how much you pay for insurance. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Allied Property & Casualty boasts the cheapest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Allied Property & Casualty Insurance Company's average premiums are around $272 less than MetLife. Drivers in suburban ZIP codes pay about $212 less with Allied Property & Casualty compared to Metlife. If you live in a rural area, you can expect to save around $182 with Allied Property & Casualty compared to Metlife.

Allied Property & Casualty 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, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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

In the table below, we've taken a look at all of the different discounts Allied Property & Casualty and Metlife offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Metlife knocks Allied Property & Casualty out of the park when it comes to the sheer number of discounts available, offering 20 more discounts than Allied Property & Casualty.

Both companies offer quite a few of the same discounts -- like distant student discounts, employee discounts, discounts for being a good driver, and discounts for being a homeowner -- but Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that Allied Property & Casualty does not.

On the flip side, Allied Property & Casualty has a couple unique discounts of its own -- advance quote discounts, intra-agency transfer discounts, new vehicle discounts, and more.

Final Thoughts: Is Allied Property & Casualty or Metlife Best for You?

So, we've broken down the average rates for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, which insurance carrier is the best carrier for you and your specific driver profile?

Allied Property & Casualty might be best for you if....

• You have an at-fault accident on your record.
• Your home is in a busy urban area.
• You drive often but have a short commute.

Metlife might be best for you if...

• You value the experience that comes with a large national car insurance company.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Allied Property & Casualty and Metlife. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Allied Property & Casualty and Metlife. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. Metlife FAQs

Is Allied Property & Casualty or Metlife cheaper?

Looking just at the national average premiums, Allied Property & Casualty is the more affordable of the two companies, offering average rates of $118 per month compared to $340 for Metlife. However, Allied Property & Casualty won't necessarily be the most affordable carrier for everyone, since there are a variety of different factors that come into play when it comes to your car insurance cost.

Who is better, Allied Property & Casualty or Metlife?

Sadly, the answer truly is "it depends.". One company is not "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Allied Property & Casualty and Metlife offer me different rates?

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

How do I know if Allied Property & Casualty 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, Compare.com does all the hard work for you. Just enter your ZIP code 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 cheapest rate. And who knows, the best carrier for you might not be Allied Property & Casualty 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.