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

Quick Facts

• Based on national averages for car insurance, Germania offers significantly more affordable prices than Metlife
• Germania offers more affordable rates for policyholders who may not have much of a commute
• Metlife offers more discounts than Germania Insurance

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

So, you're considering switching your auto insurance. 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 your search down to Germania or Metlife, but which carrier will offer you less expensive premiums?

Looking at the national average rates for both companies, Germania has average rates that are about 60% per month cheaper than those from Metlife.

But Germania may not be the lowest or best option for every single driver out there. Auto insurance carriers use a ton of complex algorithms to calculate rates, so depending on where you live or how old you are (among a whole range of other factors), you could see wildly different prices from the ones above.

Wanting to know if Germania or Metlife is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Germania or Metlife: Average Car Insurance Rates by State

Germania and Metlife only compete against each other in Texas, where Germania offers the cheaper average prices. For Texas residents, undefined offers insurance for undefined a month on average. undefined's average rates come out to be more expensive, at undefined monthly.

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

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group out there on the road. The reason is that 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.

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

Even so, both companies will reduce premiums 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, Germania still has the most affordable rates at $137 per month.

Which is the Best Company for Retired Drivers?

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

When looking at Germania and Metlife specifically, which company is best for retired drivers? Germania gets the edge, with prices for drivers 65 and older $97 more affordable than the national average for Metlife.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are typically more expensive for those who are single than they are for married policyholders? That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Germania is the clear winner for single policyholders, with premiums around $271 per month less expensive than Metlife, on average. The advantage is also clear for married couples - Germania offers the lowest average prices.

Germania vs. Metlife: Average Rates by Gender

Women typically to pay less for insurance than men. This is because women are less likely to get into collisions and get tickets, which decreases the chances of an insurance claim.

On average, women see rates nearly 10% a month less with Germania, and about 8% less with Metlife.

Looking at overall affordability, Germania comes out as the most affordable option for both genders, with average premiums $206 less for men and $190 cheaper for women.

Germania 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 a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Germania usually offers significantly cheaper prices of $90 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Germania again has the edge, with policies around $250 per month less expensive than Metlife, on average.

Is Germania or Metlife Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

Collisions and tickets will most likely raise your prices, but is Germania or Metlife cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Germania car 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 about 20%.

However, Germania has more affordable premiums for drivers in both categories -- their rates are around 54% less expensive for drivers with clean records and 63% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault accident with Metlife raising by just under $150. Germania has a less extreme rise, but you can still expect to pay $30 more than you were prior to your first collision.

Overall, Germania offers the cheapest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $132 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 collision or ticket when it comes to your insurance bill. On average, Metlife will raise your prices around 55% after a DUI, while Germania's average premiums climb by over 55%.

How does Credit Score Impact Germania and Metlife Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly auto insurance rates. This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it will come into play for quite a few policyholders.

Insurance carriers 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, drivers with good credit will often be rewarded with more affordable premiums.

So, which carrier offers the best 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 Germania 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 car insurance companies will charge for coverage. That's because the more miles you put on your vehicle, the more likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Germania charges. However, there's a small difference in monthly rates for Metlife, with policyholders who drive 6,000 miles yearly paying about $3 less each month compared to those who drive 12,000 miles every year. Still, Germania is the less expensive option for drivers in both categories.

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

Where you park your car can play a considerable role in how much you pay for auto insurance. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Germania boasts the cheapest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both carriers, but Germania comes out on top with average premiums around $134 a month. Germania also has more affordable average prices for policyholders in urban and suburban ZIP codes -- a 62% and 57% a month respective difference when compared to Metlife drivers in similar areas.

Germania vs. Metlife Discounts

Regardless of why you might be in the market for a new 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 auto insurance discounts as you can.

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

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

Metlife knocks Germania out of the park when it comes to the sheer number of discounts available, offering 18 more discounts than Germania.

Both companies offer lots of the same discounts -- like academic discounts, discounts for being a defensive driver, distant student discounts, and multi-policy discounts -- but Metlife also offers AAA discounts, agency transfer discounts, annual mileage discounts, and more that Germania does not.

On the flip side, Germania has a couple unique discounts of its own -- advance quote discounts, claim free discounts, COVID-19 relief discount, and more.

Final Thoughts: Is Germania or Metlife Best for You?

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is Germania or Metlife the best company for you, your vehicle, and your wallet?

Germania might be best for you if....

• Your credit is less-than-stellar.
• You live in an urban area.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Metlife might be best for you if...

• You're planning on moving to another state soon -- undefined only offers policies in.
• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between Germania 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 insurance policy is to compare quotes from multiple companies, not just Germania and Metlife. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Germania vs. Metlife FAQs

Is Germania or Metlife cheaper?

Looking just at the national average rates, Germania is the cheaper of the two companies, offering average rates of $142 per month compared to $340 for Metlife. But Germania won't necessarily be the most affordable carrier for each policyholder, since there are a range of different factors that are considered when it comes to your auto insurance cost.

Who is better, Germania or Metlife?

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

Why do Germania and Metlife offer me different rates?

Car insurance carriers take a look at many different variables when calculating the premiums they charge policyholders. Factors such as age, where your home is, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Germania and Metlife calculate rates using different formulas, 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 a bunch of different companies.

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

The only way to find the insurance company 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 do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Germania 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.