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

Quick Facts

• Looking at the national averages for insurance, Emc offers significantly cheaper prices than Metlife
• Emc has less expensive premiums for residents of suburban areas
• Metlife offers more discounts than EMC Insurance

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

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

You've maybe even narrowed your search down to Emc or Metlife as your top options, but between the two, which one has more affordable prices for car insurance?

Looking at nationwide averages, Emc has average rates that are about 80% per month cheaper than those from Metlife.

That being said, that doesn't mean Emc will necessarily be less expensive than Metlife for each driver. Auto insurance companies use a variety of complex algorithms to calculate premiums, so depending on how old you are or how good your credit score is (among a lot of other factors), you could see wildly different rates from the ones above.

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

Emc 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 payment than just your home state. 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 insurance premiums of any other group of drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Emc save more than $500 a month compared to those who use Metlife.

But both carriers will offer you dramatically lower rates by the time you turn 25. Metlife offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Emc still has the cheapest prices at $77 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable car insurance premiums you can find. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase prices.

So, which company offers the best rates to retired drivers? Emc gets the edge here, with average premiums coming in at around $48 monthly compared to Metlife's $205.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance rates than married drivers. That's typically 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, Emc is the clear winner for those who are single, with prices about $352 per month more affordable than Metlife, on average. The advantage for married couples with Emc is also obvious, where drivers save over $150 a month.

Emc vs. Metlife: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll generally end up paying more for auto insurance than women.

On average, men see rates nearly 10% per month higher with Emc, while with Metlife, the difference is closer to 8% a month.

Looking at overall affordability, Emc comes out on top for both men and women. On average, male drivers save about $279 per month and women save around $258 with Emc compared to the average Metlife policyholder.

Emc 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 car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum liability insurance, Emc typically offers significantly cheaper premiums of $24 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Emc again has the edge, with policies about $350 a month more affordable than Metlife, on average.

Is Emc or Metlife Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that collisions and tickets lead to higher rates, but which carrier -- Emc or Metlife -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Emc policyholders can expect their premiums to go up an average of $3 per month if they get a ticket, while Metlife normally raises rates around $59 a month, on average.

That being said, Emc is usually the less expensive option for drivers both with clean records and with a speeding ticket, offering prices that are 70% and 75% cheaper, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Emc drivers who get in an accident can expect to see their premiums rise by just under 10%, while those who have insurance through Metlife will see about a 40% increase.

Overall, the less expensive rates come from Emc, with monthly premiums averaging $74 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 prices by over $250 per month -- that's over a 55% increase.

How does Credit Score Impact Emc and Metlife Rates?

Did you know that many car insurance carriers take your credit score into account when calculating rates? This isn't always the case (for example, are two states that ban the practice entirely), but it might come into play for lots of policyholders.

Insurance companies 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 specifically at Metlife and Emc, which carrier has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Emc tends to be the more affordable option. Metlife's average premiums for drivers with 6,000 annual miles come in just under $300 more expensive than Emc. Those who drive 12,000 miles annually can expect to pay more than $250 more with Metlife over Emc.

Emc vs. Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a pretty big role in how much you pay for insurance. Generally, those who live in urban areas will pay more than policyholders in rural areas due to the number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, Emc usually comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable premiums from both carriers, but Emc comes out on top with average rates around $68 a month. Emc also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $314 and $261 a month respective difference when compared to Metlife drivers in similar areas.

Emc vs. Metlife Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many auto insurance discounts as you can.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Below, we've broken down all of the different discounts offered by both Emc and Metlife 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 blows Emc away when it comes to the sheer amount of discounts available, offering 23 more discounts than Emc.

Both companies offer a lot of the same discounts -- like anti-theft discounts, EFT discounts, discounts for being a good driver, and multi-policy discounts -- but Metlife also offers AAA discounts, academic discounts, agency transfer discounts, and more that Emc does not.

On the flip side, Emc has a couple unique discounts of its own -- advance quote discounts, discounts for getting driver training, and umbrella policy discounts.

Final Thoughts: Is Emc or Metlife Best for You?

You've seen the role certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Emc or Metlife the right company for you, your vehicle, and your wallet?

Emc might be best for you if....

• You have below-average credit.
• You're looking for more protection with "full coverage" auto insurance.
• You are over 65 years old and want to save some money on your car insurance.

Metlife might be best for you if...

• You value the experience that comes with a large national insurance company.
• You're looking for the carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare Emc 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 multiple companies, not just Emc and Metlife. Luckily, Compare.com does all the hard work for you. 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.

Emc vs. Metlife FAQs

Is Emc or Metlife cheaper?

Looking just at the national average rates, Emc is the more affordable of the two companies, offering average rates of $71 per month compared to $340 for Metlife. However, Emc won't necessarily be the cheapest company for each driver, since there are several different factors that are considered when it comes to your auto insurance cost.

Who is better, Emc or Metlife?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Emc and Metlife offer me different rates?

Car insurance carriers take a look at quite a few different variables when determining the prices they charge policyholders. Factors like your driving record, where you live, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Emc and Metlife calculate premiums using different formulas, 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 a bunch of different companies.

How do I know if Emc 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 a handful of 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 free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best company for you might not be Emc 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.