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

Quick Facts

• Based on national averages for auto insurance, Cse offers significantly less expensive rates than Metlife
• Cse tends to be a much cheaper option for policyholders who are looking to purchase insurance with a spouse
• Metlife may help you save more money -- they offer more discounts than CSE Insurance Group

Cse or Metlife: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might be considering Cse or Metlife as your top options, but between the two, which company has more affordable premiums for insurance?

As you can see, Metlife has average rates that are around 50% a month more expensive than those from Cse when looking at the national average rates for car insurance.

But that doesn't mean Cse will necessarily be less expensive than Metlife for every driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things), so prices could vary drastically from person to person.

So, if you want to find out which of Cse or Metlife is really the best for you, keep reading to see average rates for each carrier broken down by multiple different rate factors.

Cse vs. Metlife: Average Car Insurance Rates by State

Cse and Metlife only compete against each other in California, where Cse offers the cheaper average premiums. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their car insurance.

There are plenty of other factors that go into your insurance bill than just where you call home. Read on to find out more.

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 out there on the road. Generally, that's because teen drivers are statistically much more likely to get into an accident that results in an 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 Cse for their car insurance pay over 65% less than those who use Metlife.

That being said, both companies will offer you dramatically lower premiums once you turn 25. For example, average rates for Cse policyholders reduce about $200 and Metlife's premiums decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Cse and Metlife? Cse gets the edge here, with average prices coming in at about $128 per month compared to Metlife's $205.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average rates between these two carriers is significant, with Cse premiums coming in at around half of Metlife's. For married couples, the advantage is clear again - Cse has the edge when it comes to average prices.

Cse or 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 usually end up paying a little more.

With Cse, both genders end up paying the same monthly price, and almost $30 cheaper with Metlife when compared to their male counterparts.

Looking at the data for each company specifically, Cse comes out as the lowest option for both genders. On average, male drivers save about $179 a month and women save about $151 with Cse compared to the average Metlife policyholder.

Cse vs. 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 insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability insurance, Cse has the significant edge, with average monthly rates coming in at $81. If you want a full coverage policy with the same state minimum limits, Cse again has the edge, with policies averaging around $270 per month to Metlife's $466.

Is Cse or Metlife Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two companies offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cse for their auto insurance can typically expect their monthly bill to go up about 24% after getting a speeding ticket. Metlife policyholders can expect a less drastic increase of around 21%.

Even so, Cse has cheaper prices for drivers in both categories, offering premiums that are 44% and 42% more affordable, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Metlife raising by about 40%. Cse has a less extreme rise, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, Cse offers the cheapest rates for drivers with an at-fault collision on their records, with average premiums coming in at $176 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 accident or ticket when it comes to your insurance bill. On average, Metlife will climb your rates around 55% after a DUI, while Cse's average prices climb by nearly 50%.

How does Credit Score Impact Cse and Metlife Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it does affect lots of drivers out there.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with cheaper rates.

Looking specifically at Cse and Metlife, which carrier has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Normally, if you have great credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will usually save MetLife customers about $50. On the other hand, because Cse 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?

If you have bad credit, it can cost you with MetLife. If your credit score is in the "poor" range, at MetLife, you may pay around 35% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Cse, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Cse over MetLife.

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

How much you drive can have a big impact on your monthly auto insurance cost. Normally, those who drive fewer miles will end up with less expensive prices since there's less of a chance of causing an accident and filing an insurance claim.

Cse tends to be the more affordable option for both remote workers and those taking short commutes. Cse's average rates for drivers with 6,000 annual miles come in just under 55% cheaper than Metlife. Those who drive 12,000 miles yearly can expect to pay nearly 45% less with Cse over Metlife.

Cse or Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a substantial impact on your monthly insurance payment. Generally, 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.

Cse tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $161 a month with Cse compared to Metlife's $299. Drivers in suburban ZIP codes pay around $178 with Cse compared to Metlife's $333 monthly. For drivers in urban ZIP codes, Cse's average prices are about $186 while Metlife offers rates around $389.

Cse vs. Metlife Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

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.

Luckily, we did the hard work for you and looked at all of the different discounts Cse 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 Cse out of the park when it comes to the sheer number of discounts available, offering 36 different discounts to Cse's 36.

There are a couple discounts both carriers offer, but Metlife also offers discounts for AAA, ABS, academic, and more.

On the other hand, Cse has a proprietary discount of their own -- a goverment employee discounts.

Final Thoughts: Is Cse or Metlife Best for You?

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

Cse might be best for you if....

• You will be the only person on the car insurance policy.
• You live in an urban area.
• You drive fewer than 6,000 miles annually.

Metlife might be best for you if...

• You have below-average credit.
• You already have a great credit score.
• You're looking for discounts -- Metlife has the most.

Hopefully, this guide helps you get a good idea of the differences between Cse and Metlife. We also hope we've given you the information you need to make the best decision about your 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 Cse and Metlife. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Cse vs. Metlife FAQs

Is Cse or Metlife cheaper?

Cse is the more affordable of the two companies when looking at national average prices, with policies averaging $175 per month with Cse and $340 for Metlife. That being said, that doesn't mean Cse will be the cheapest company for everyone, since there are a range of different factors that are considered when it comes to your auto insurance bill.

Who is better, Cse or Metlife?

Sadly, the only answer we can give you is "it depends.". No single carrier is "better" for each policyholder -- it all comes down to what your unique insurance profile looks like. For example, Metlife is less expensive for drivers with excellent credit, while Cse offers cheaper rates for drivers with a recent DUI.

Why do Cse and Metlife offer me different rates?

Car insurance carriers use several different variables when determining the premiums they charge. Things such as your driving record, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both Cse and Metlife use different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from lots of different companies.

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

The only way to find the auto insurance carrier 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Cse or Metlife at all, but another you hadn't even thought of!

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.