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

Want to know if Cameron Mutual or Metlife is the better choice for car insurance? You're probably wondering which company offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, Cameron Mutual offers significantly cheaper rates than Metlife
  • Cameron Mutual offers more affordable prices for residents of rural areas
  • Metlife offers more discounts than Cameron Mutual Insurance Company


Cameron Mutual vs. Metlife: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Cameron Mutual or Metlife for your next policy, but between the two, which company will save you the most?

Cameron Mutual Metlife
$124$340

As you can see, Metlife is quite a bit more expensive than Cameron Mutual, with rates averaging $340 per month compared to just $124 with Cameron Mutual when looking at the national average rates for auto insurance.

Even so, Cameron Mutual may not be the most affordable or best option for every driver out there. Insurance companies vary their premiums depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a ton of other factors, so prices could differ drastically from person to person.

Luckily, we've broken down average rates from both Cameron Mutual and Metlife by lots of different rate factors, so read on to find out which carrier is the best for you.

Cameron Mutual or Metlife: Average Car Insurance Rates by State

State Cameron Mutual Metlife
AR$136$444

Cameron Mutual and Metlife only compete against each other in one states, with Cameron Mutual offering less expensive premiums to the average driver in all of them. Arkansas has the most noticable difference, where Cameron Mutual prices are over 70% cheaper than car insurance rates at Metlife.

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


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Which is the Best Company For Young Drivers?

Cameron Mutual Metlife
18-year-old drivers$280$959
25-year-old drivers$123$274

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. Generally, that's because young, inexperienced 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. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing Cameron Mutual over Metlife.

That being said, both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Cameron Mutual policyholders drop over $150 and Metlife's premiums reduce about $500 over that time.

Which is the Best Company for Retired Drivers?

Cameron Mutual Metlife
65+-year-old drivers$79$205

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

So, which company offers the best rates to retired drivers? Cameron Mutual gets the edge here, with average premiums coming in at around $79 per month compared to Metlife's $205.

Which is the Best Company for Married Drivers?

Cameron Mutual Metlife
Single$147$434
Married$94$216

Married drivers tend to get slightly more affordable auto insurance prices than single drivers. This usually boils down to married couples having more than one car on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, Cameron Mutual is the clear winner for those who are single, with rates about $287 per month less expensive than Metlife, on average. The advantage is also clear for married policyholders - Cameron Mutual offers the lowest average premiums.

Cameron Mutual vs. Metlife: Average Rates by Gender

Cameron Mutual Metlife
Male$131$354
Female$118$326

Men tend to pay more for car insurance than women. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

Men normally pay nearly $15 a month more than women with Cameron Mutual, and around $30 with Metlife.

Looking at the data for each carrier specifically, Cameron Mutual comes out on top for both men and women, with average premiums $223 less for men and $208 cheaper for women.


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Cameron Mutual or Metlife: Compare State Minimum vs. Full Coverage Rates

Cameron Mutual Metlife
State Minimum*$53$215
Full Coverage**$195$466

*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.

Insurance can be a complicated subject for most people. There are several different coverages that account for a range of 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 (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum limits for liability insurance, Cameron Mutual usually offers significantly cheaper prices of $53 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Cameron Mutual again has the edge, with policies about $250 per month more affordable than Metlife, on average.

Is Cameron Mutual or Metlife Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto 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 collisions lead to higher premiums, but which company -- Cameron Mutual or Metlife -- has the cheapest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cameron Mutual Metlife
Clean Record$110$220
1 Speeding Ticket$110$279

Drivers with Cameron Mutual insurance policies don't report seeing their rates increase after getting a ticket, but Metlife policyholders can expect to see their monthly bill increase by around $60.

But Cameron Mutual is typically the less expensive option for drivers both with clean records and with a ticket. Drivers with a clean record can save about $110 a month with Cameron Mutual Insurance Company, and the same can be said for those with a speeding ticket, too.

Which Company is Best for Drivers After an Accident?

Cameron Mutual Metlife
Clean Record$110$220
1 At-Fault Accident$124$368

After an accident, drivers who have their car insurance through Cameron Mutual can expect to see around an $14 -- or about 11% -- increase in their auto insurance prices. Drivers who use Metlife for their insurance will see a monthly bill around $148 (or 40%) more expensive after reporting an accident to their car insurance carrier.

Overall, Cameron Mutual offers the lowest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $124 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

Cameron Mutual Metlife
Clean Record$110$220
1 DUI$152$494

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than a collision or ticket. Metlife drivers usually see a 55% raise in their car insurance rates after a DUI charge, while Cameron Mutual will normally climb premiums by about 28%.


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How does Credit Score Impact Cameron Mutual and Metlife Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly auto insurance prices. This isn't always the case (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for a lot of policyholders.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at Cameron Mutual and Metlife specifically, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Cameron Mutual Metlife
Excellent Credit Score$84$222
Good Credit Score$107$274

Which Company is Best for Drivers with Bad Credit?

Cameron Mutual Metlife
Fair Credit Score$126$339
Poor Credit Score$179$530

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

Cameron Mutual Metlife
6,000 Annual Miles$124$339
12,000 Annual Miles$124$342

Did you know that the amount of time you spend in your car have a sizable impact on your monthly auto insurance bill? Generally, those who drive less will end up with cheaper rates 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 Cameron Mutual charges. However, there's a small difference in monthly prices for Metlife, with policyholders who drive the least paying around $3 less every month compared to those who drive 12,000 miles annually. Still, Cameron Mutual is the more affordable option for drivers in both categories.

Cameron Mutual 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 big impact as well. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of vehicles that are on the roads in those areas.

Cameron Mutual Metlife
Urban Areas$134$389
Suburban Areas$122$333
Rural Areas$116$299

Cameron Mutual boasts the most affordable average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Cameron Mutual offers premiums about $134 a month compared to Metlife's $389. People who live in suburban ZIP codes can expect to pay around $122 per month for Cameron Mutual and $333 for Metlife. Lastly, those in rural areas tend to get the lowest prices from both companies, with average monthly rates coming in at $116 and $299 for Cameron Mutual and Metlife respectively.

Cameron Mutual 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 insurance discounts as you can.

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're eligible for.

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

Cameron Mutual Metlife
AAA Discount 
ABS Discount 
Academic Discount 
Agency Transfer Discount 
Annual Mileage Discount 
Anti-Theft Discount 
Combat Auto-Theft Discount 
Defensive Driver Discount
Distant Student Discount 
Education Discount 
EFT Discount 
Employee Discount 
Employers Subject to MA Worker Discount 
Employment Tenure Discount 
Family Car Discount 
Farm Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Homeowner Discount 

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

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, passive restraint discounts, and renewal discounts -- but Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that Cameron Mutual does not.

On the flip side, Cameron Mutual has a couple unique discounts of its own -- education discounts and umbrella policy discounts.


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Final Thoughts: Is Cameron Mutual or Metlife Best for You?

So, we've broken down the average premiums 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, which carrier is the best carrier for you and your specific needs?

Cameron Mutual might be best for you if....

  • Your credit is below-average.
  • Your neighborhood is in the suburbs.
  • You're buying auto insurance for a teen and looking for a wallet-friendly option.


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 Cameron Mutual 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Cameron Mutual and Metlife. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.


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Cameron Mutual vs. Metlife FAQs

Is Cameron Mutual or Metlife cheaper?

Looking just at the national average prices, Cameron Mutual is the less expensive of the two carriers, offering average rates of $124 a month compared to $340 for Metlife. However, Cameron Mutual won't necessarily be the most affordable carrier for everyone, since there are many different variables that come into play when it comes to your car insurance payment.

Who is better, Cameron Mutual or Metlife?

Unfortunately, the real answer is "it depends.". No one company is necessarily "better" for each driver -- it all comes down to what your unique insurance profile looks like.

Why do Cameron Mutual and Metlife offer me different rates?

Car insurance companies take a look at quite a few different factors when calculating the rates they charge drivers. Things like gender, where you park your car, your driving record, age, and sometimes even things like your credit score can all come into play. Both Cameron Mutual and Metlife calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several 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 area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Cameron Mutual 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.

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