Georgia Farm Bureau vs. Metlife: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Georgia Farm Bureau offers significantly less expensive rates than Metlife
• Georgia Farm Bureau offers cheaper average premiums for people who are single and purchasing insurance by yourself
• Metlife offers more discounts than Georgia Farm Bureau Insurance

Georgia Farm Bureau vs. Metlife: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed it down to Georgia Farm Bureau or Metlife as potential options, but between the two, which carrier will offer you more affordable prices?

As you can see, Metlife is quite a bit more expensive than Georgia Farm Bureau, with rates averaging $340 per month compared to just $144 with Georgia Farm Bureau when looking at the national average rates for car insurance.

However, that doesn't necessarily mean Georgia Farm Bureau will be the cheaper option for every single driver. After all, auto 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, premiums from every carrier will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Georgia Farm Bureau and Metlife by a range of different rate factors, so read on to find out which company is the best for you.

Georgia Farm Bureau or Metlife: Average Car Insurance Rates by State

Georgia Farm Bureau and Metlife only compete against each other in Georgia, where Georgia Farm Bureau offers the cheaper average prices. For Georgia residents, undefined offers car insurance for undefined monthly on average. undefined's average premiums come out to be more expensive, at undefined per month.

There are plenty of other factors that go into your insurance cost than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers out there on the road. It's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Georgia Farm Bureau for their car insurance pay more than $500 less than those who use Metlife.

That being said, both carriers will offer you dramatically lower prices by the time drivers turn 25. For example, average premiums for Georgia Farm Bureau policyholders decrease nearly 50% and Metlife's rates lower over 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable auto insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which typically reduces their chances of accidents and other infractions that can increase rates.

But who has the best prices for retired drivers between Georgia Farm Bureau and Metlife? Georgia Farm Bureau gets the edge here, with average rates coming in at about $117 a month compared to Metlife's $205.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are generally less expensive for married drivers than they are for single policyholders? That's because policies for married policyholders normally cover more than one car, which several companies will offer you a discount for.

When it comes to relationship status, Georgia Farm Bureau is the clear winner for those who are single, with prices around $270 a month more affordable than Metlife, on average. For married couples, the advantage is clear again - Georgia Farm Bureau has the edge when it comes to average premiums.

Georgia Farm Bureau vs. Metlife: Average Rates by Gender

Did you know women tend to pay less for car insurance than men? This is because women are less likely to get tickets and get into collisions, which decreases the chances of an insurance claim.

Usually, women see prices about 1% per month less with Georgia Farm Bureau, while with Metlife, the difference is closer to 8% a month.

Looking at overall affordability, Georgia Farm Bureau comes out as the cheapest option for both genders, with average rates 59% less for men and 56% cheaper for women.

Georgia Farm Bureau 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.

Auto insurance can be a complicated subject for most people. There are many different coverages that account for lots 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 end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Georgia Farm Bureau usually offers significantly less expensive prices of $91 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Georgia Farm Bureau again has the edge, with policies around $250 per month more affordable than Metlife, on average.

Is Georgia Farm Bureau or Metlife Better for Drivers with Spotty Records?

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

You'll probably end up paying more with tickets and at-fault collisions on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Georgia Farm Bureau car insurance policies don't report seeing their prices increase after getting a ticket, but Metlife policyholders can expect to see their monthly bill increase by about a quarter.

Even so, Georgia Farm Bureau has cheaper rates for drivers in both categories -- their rates are around 48% more affordable for drivers with clean records and 59% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Georgia Farm Bureau can expect to see around an $19 -- or about 14% -- increase in their car insurance premiums. Drivers who use Metlife for their insurance will see a monthly bill around $148 (or 40%) more expensive after reporting an accident to their auto insurance carrier.

Overall, drivers who use Georgia Farm Bureau end up with the cheaper prices after an accident, with monthly prices averaging $133 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 insurance bill -- generally a lot more than a collision or ticket. On average, Metlife will increase your rates about 55% after a DUI, while Georgia Farm Bureau's average premiums climb by over 45%.

How does Credit Score Impact Georgia Farm Bureau and Metlife Rates?

You may not realized it, 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 a rating factor, but it might come into play for quite a few policyholders.

The reasoning auto insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will typically be forced to pay more.

So, which company offers the cheapest prices for policyholders 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 Georgia Farm Bureau 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 car insurance bill? Usually, those who drive fewer miles will end up with less expensive premiums 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 Georgia Farm Bureau charges. However, there's a small difference in monthly prices for Metlife, with policyholders who drive the least paying around $3 less each month compared to those who drive 12,000 miles yearly. Still, Georgia Farm Bureau is the cheaper option for drivers in both categories.

Georgia Farm Bureau vs. Metlife: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly auto insurance payment. Typically, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the roads in those areas.

Georgia Farm Bureau tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable rates from both companies, but Georgia Farm Bureau comes out on top with average premiums about $136 monthly. Georgia Farm Bureau also has more affordable average prices for drivers in urban and suburban ZIP codes -- a 61% and 56% a month respective difference when compared to Metlife policyholders in similar areas.

Georgia Farm Bureau vs. Metlife Discounts

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

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the section below, we've compared all of the different discounts offered by Georgia Farm Bureau and Metlife so that you can see which one can save you the most money each month.

Metlife knocks Georgia Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 25 more discounts than Georgia Farm Bureau.

There are a couple discounts both carriers offer, but Metlife also offers AAA discounts, academic discounts, agency transfer discounts, and more that Georgia Farm Bureau does not.

On the flip side, Georgia Farm Bureau has a couple unique discounts of its own -- discounts for getting driver training, paid in full discounts, and paperless discounts.

Final Thoughts: Is Georgia Farm Bureau or Metlife Best for You?

You've seen the role certain variables have on your insurance and the different discounts companies offer. But, at the end of the day, which insurance carrier is the right company for you, your vehicle, and your wallet?

Georgia Farm Bureau might be best for you if....

• You want to save money on your car insurance after a collision.
• You live in an suburban area.
• You have a short commute.

Metlife might be best for you if...

• You are considering moving to another state -- undefined only offers policies in.
• You're looking for discounts -- Metlife has the most.

We hope this guide helps you get a good idea of the differences between Georgia Farm Bureau 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.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from a handful of carriers, not just Georgia Farm Bureau and Metlife. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Georgia Farm Bureau vs. Metlife FAQs

Is Georgia Farm Bureau or Metlife cheaper?

Looking just at the national average rates, Georgia Farm Bureau is the less expensive of the two carriers, offering average rates of $144 per month compared to $340 for Metlife. However, Georgia Farm Bureau won't necessarily be the lowest company for every policyholder, since there are several different factors that are considered when it comes to your insurance cost.

Who is better, Georgia Farm Bureau or Metlife?

Sadly, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Georgia Farm Bureau and Metlife offer me different rates?

Insurance companies take a look at a lot of different variables when calculating the premiums they charge drivers. Things like your driving record, age, where you call home, gender, and sometimes even things like your credit score can all be used. Both Georgia Farm Bureau and Metlife use different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Georgia Farm Bureau 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 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 auto insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Georgia Farm Bureau 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.