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

Quick Facts

• In general, Cumberland Mutual offers significantly cheaper premiums than Metlife
• Cumberland Mutual offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Metlife may help you save more money -- they offer more discounts than Cumberland Mutual

Cumberland Mutual or Metlife: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering considerable savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Cumberland Mutual or Metlife as your top options, but which company has more affordable rates for insurance?

Looking at the national average rates for both carriers, Cumberland Mutual has average rates that are around 45% a month less expensive than those from Metlife.

But Cumberland Mutual may not be the cheapest or best option for each driver out there. Car insurance companies use all sorts of complex algorithms to determine prices, so depending on where you live or how good your credit score is (among lots of other factors), you could see wildly different premiums from the ones above.

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

Cumberland Mutual vs. Metlife: Average Car Insurance Rates by State

Cumberland Mutual and Metlife only compete against each other in two states, with Cumberland Mutual offering cheaper prices to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual premiums are $466 more affordable than auto insurance prices at Metlife.

There's a lot more that goes into your insurance payment than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Cumberland Mutual for their insurance pay over 55% less than those who use Metlife.

Even so, with both carriers, you'll see your premiums drop significantly 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, Cumberland Mutual still has the most affordable prices at $196 monthly.

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 lowest premiums you'll ever find.

So, which company offers the best rates to retired drivers? Cumberland Mutual gets the edge, with premiums for drivers 65 and older $84 less expensive than the national average for Metlife.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance prices than married couples. That's generally because married policyholders 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 companies is significant, with Cumberland Mutual premiums coming in at about half of Metlife's. The advantage is also clear for married drivers - Cumberland Mutual offers the cheapest average rates.

Cumberland Mutual or Metlife: Average Rates by Gender

You may not know, but men normally pay more for insurance than women do. This is because men are statistically more likely than women to get into a collision or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher prices.

Women generally pay around $10 per month less than men with Cumberland Mutual, and almost $30 cheaper with Metlife when compared to their male counterparts.

Looking at overall affordability, Cumberland Mutual offers the most affordable average premiums for both men and women. On average, women save about $138 a month and men save about $157 with Cumberland Mutual compared to the average Metlife policyholder.

Cumberland Mutual 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.

Auto insurance isn't the easiest topic to understand. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability limits, Cumberland Mutual has the significant edge, with average monthly rates coming in at $106. If you want a full coverage policy with the same state minimum limits, Cumberland Mutual again has the edge, with policies averaging around $280 per month to Metlife's $466.

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

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

It's no secret secret that speeding tickets and accidents lead to higher prices, but which carrier -- Cumberland Mutual or Metlife -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cumberland Mutual for their car insurance can usually expect their monthly bill to go up about 10% after getting a speeding ticket. Metlife policyholders can expect a bit more drastic of an increase of around 21%.

That being said, Cumberland Mutual is typically the cheaper option for both drivers who have a recent ticket and those with clean records, offering premiums that are $51 and $92 less expensive, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Cumberland Mutual drivers who get in a collision can expect to see their prices increase by just under $15, while those who have insurance through Metlife will see about a $150 increase.

At the end of the day, drivers who use Cumberland Mutual end up with the cheaper prices after an accident, with average rates coming in at $183 compared to MetLife's $368.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or speeding ticket. Metlife drivers usually see a 55% increase in their insurance premiums after a DUI charge, while Cumberland Mutual will usually raise prices by around 27%.

How does Credit Score Impact Cumberland Mutual and Metlife Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it does affect a lot of policyholders out there.

The reasoning auto insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

So, which company offers the best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Cumberland Mutual 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 large impact on your monthly premiums? Typically, the more milage you drive, the more you can expect to pay for coverage.

Cumberland Mutual tends to be the cheaper option for both remote workers and those taking short commutes. Metlife's average rates for drivers with 6,000 annual miles come in about 43% more expensive than Cumberland Mutual. Those who drive 12,000 miles yearly can expect to pay around 44% more with Metlife over Cumberland Mutual.

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

Where you park your car can have a substantial impact on your monthly car insurance bill. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

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

If you live in a rural area, you can expect to pay about $116 per month with Cumberland Mutual compared to Metlife's $299. People in suburban areas pay a monthly rate of around $132 with Cumberland Mutual compared to $333 with Metlife. In urban areas, Cumberland Mutual's average premiums are about $330 a month compared to Metlife's $389.

Cumberland Mutual 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 where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Cumberland Mutual and Metlife offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

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

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, employee discounts, and multi-policy discounts. Metlife also offers discounts for AAA, academic, agency transfer, and more.

On the other hand, Cumberland Mutual has a few proprietary discounts of their own for things like driver training discounts, new vehicle discounts, paid in full discounts, and more.

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

So, you've seen how different variables can affect your auto insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right carrier for you and your specific driver profile?

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

• Your driving record includes a DUI charge.
• You have above-average credit.
• You're of retirement age and want to take advantage of lower rates.

Metlife might be best for you if...

• You are considering moving to another state -- undefined is only available in.
• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Cumberland Mutual and Metlife. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Cumberland Mutual and Metlife. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Cumberland Mutual vs. Metlife FAQs

Is Cumberland Mutual or Metlife cheaper?

Cumberland Mutual is the less expensive of the two companies when looking at national average premiums, with policies averaging $193 per month with Cumberland Mutual and $340 for Metlife. However, that doesn't mean Cumberland Mutual will be the most affordable company 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, Cumberland Mutual or Metlife?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for every policyholder -- it all depends on the makeup of your unique insurance profile.

Why do Cumberland Mutual and Metlife offer me different rates?

Car insurance carriers use lots of different variables when determining the prices they charge. Factors such as gender, where you call home, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Cumberland Mutual and Metlife calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which company is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if Cumberland Mutual 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 lowest price. And maybe you'll find that the best company for you isn't Cumberland Mutual 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.