American Access Casualty Company vs. Metlife: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, American Access Casualty Company offers cheaper prices than Metlife
• American Access Casualty Company offers less expensive average rates for drivers who have an at-fault accident on their record
• Metlife offers more affordable prices for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

American Access Casualty Company vs. Metlife: Which Company has the Cheapest Car Insurance?

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

You might have narrowed your search down to American Access Casualty Company or Metlife, but which one will offer you more affordable premiums?

As you can see, Metlife is about $61 more per month than American Access Casualty Company when looking at the national average rates for insurance.

But that doesn't necessarily mean American Access Casualty Company will be the less expensive option for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

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

American Access Casualty Company or Metlife: Average Car Insurance Rates by State

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That being said, there are plenty of other factors that go into your car insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

However, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use American Access Casualty Company save nearly $250 a month compared to those who use Metlife.

Even so, both carriers will reduce rates by the time drivers turn 25. Metlife offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, American Access Casualty Company still has the most affordable premiums at $227 a month.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between American Access Casualty Company and Metlife? American Access Casualty Company gets the slight edge here, with average prices coming in at around $196 monthly compared to Metlife's $205. That being said, the difference is only about 5%, so other factors will likely come into play when determining which carrier has the cheapest premiums for you.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are generally more affordable for married drivers than they are for single policyholders? That's because policies for married policyholders usually cover multiple cars, which several companies will offer you a discount for.

When it comes to relationship status, American Access Casualty Company is the clear winner for single drivers, with prices around $91 per month cheaper than Metlife, on average. But for married couples, that advantage is much less clear - American Access Casualty Company has the edge when it comes to average premiums.

American Access Casualty Company vs. Metlife: Average Rates by Gender

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

On average, women see rates almost 10% a month less with American Access Casualty Company, and nearly 10% less with Metlife when compared to their male counterparts.

When it comes to the most affordable prices for each gender, American Access Casualty Company comes out as the cheapest option for both genders. On average, male drivers save about $61 per month and women save about $61 with American Access Casualty Company compared to the average Metlife policyholder.

American Access Casualty Company 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 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.

Even so, most 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 includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, American Access Casualty Company generally offers slightly less expensive rates of $199 compared to Metlife's $215. When it comes to full coverage policies with similar limits, American Access Casualty Company again has the edge, with policies around $100 a month more affordable than Metlife, on average.

Is American Access Casualty Company 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.

At-fault collisions and tickets will most likely raise your premiums, but is American Access Casualty Company or Metlife cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

American Access Casualty Company policyholders can expect their rates to go up an average of $23 per month if they get a ticket, while Metlife typically raises prices about $59 a month, on average.

If you have a clean record, Metlife tends to offer the best premiums at around 7% less expensive, while American Access Casualty Company has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through American Access Casualty Company can expect to see about an $95 -- or around 29% -- 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 an accident to their insurance company.

Overall, drivers who use American Access Casualty Company end up with the cheaper prices after an accident, with monthly rates averaging $332 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 ticket or even a collision. For example, Metlife increases average premiums by over $250 per month -- that's over a 55% increase.

How does Credit Score Impact American Access Casualty Company and Metlife Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of drivers.

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

So, which carrier offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is American Access Casualty Company 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 sizable impact on your monthly auto insurance payment? Usually, the more miles you drive, the more you can expect to pay for car insurance.

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

American Access Casualty Company vs. Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a substantial impact as well. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads in those areas.

Looking at these carriers side-by-side, American Access Casualty Company boasts the most affordable average rates in rural and suburban areas, while Metlife wins in urban areas.

If you live in a rural area, you can expect to pay about $282 a month with American Access Casualty Company compared to Metlife's $299. Drivers in suburban ZIP codes pay around $145 with American Access Casualty Company compared to Metlife's $333 per month. For drivers in urban ZIP codes, Metlife's average prices are about $389 while American Access Casualty Company offers premiums around $411.

American Access Casualty Company vs. Metlife Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many 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 can take advantage of.

In the section below, we've broken down all of the different discounts offered by both American Access Casualty Company and Metlife so that you can find the company that has the most discounts and, therefore, the biggest savings.

Metlife knocks American Access Casualty Company out of the park when it comes to the sheer number of discounts available, offering 36 different discounts to American Access Casualty Company's 36.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and renewal discounts. Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that American Access Casualty Company does not.

On the flip side, American Access Casualty Company has a unique discount of its own -- a prior insurance discounts.

Final Thoughts: Is American Access Casualty Company or Metlife Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the right carrier for you and your specific profile and needs?

American Access Casualty Company might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for more protection with "full coverage" car insurance.
• You are over 65 years old and want to save some money on your insurance.

Metlife might be best for you if...

• You have a clean driving record, free of accidents, tickets, or DUIs.
• Your credit score is high.

We hope this guide has ben a valuable resource as you compare American Access Casualty Company 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 several companies, not just American Access Casualty Company and Metlife. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

American Access Casualty Company vs. Metlife FAQs

Is American Access Casualty Company or Metlife cheaper?

Looking just at the national average prices, American Access Casualty Company is the cheaper of the two companies, offering average rates of $279 a month compared to $340 for Metlife. But American Access Casualty Company won't necessarily be the lowest company for each policyholder, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, American Access Casualty Company or Metlife?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, American Access Casualty Company offers less expensive premiums for drivers with a recent DUI, while Metlife is more affordable for drivers with excellent credit.

Why do American Access Casualty Company and Metlife offer me different rates?

Auto insurance carriers take a look at many different variables when calculating the rates they charge policyholders. Factors such as age, where your home is, gender, your driving record, and sometimes even things like your credit score can all come into play. Both American Access Casualty Company and Metlife calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different companies.

How do I know if American Access Casualty Company or Metlife is right for me?

The only way to find the car insurance carrier 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be American Access Casualty Company 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.