Kentucky Farm Bureau vs. MetLife: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Kentucky Farm Bureau offers significantly less expensive rates than MetLife
• Kentucky Farm Bureau offers more affordable average prices for drivers who have an at-fault accident on their record
• MetLife offers more discounts than Kentucky Farm Bureau

Kentucky Farm Bureau vs. MetLife: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Kentucky Farm Bureau or MetLife for your next policy, but which one will save you the most?

As you can see, MetLife is quite a bit more expensive than Kentucky Farm Bureau, with rates averaging $340 per month compared to just $201 with Kentucky Farm Bureau when looking at the national average rates for insurance.

But that doesn't necessarily mean Kentucky Farm Bureau will be the cheaper option for each driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things), so prices could differ drastically from person to person.

So, if you want to find out which of Kentucky Farm Bureau or MetLife is really the best for you, keep reading to see average premiums for each carrier broken down by a bunch of different rate factors.

Kentucky Farm Bureau or MetLife: Average Car Insurance Rates by State

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But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group out there on the road. That's normally because 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.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Kentucky Farm Bureau save more than $500 a month compared to those who use MetLife.

Even so, both companies will offer you dramatically lower premiums by the time drivers turn 25. For example, average prices for Kentucky Farm Bureau policyholders lower nearly 60% and MetLife's rates drop over 70% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for auto insurance.

When looking at Kentucky Farm Bureau and MetLife specifically, which company is best for retired drivers? Kentucky Farm Bureau gets the edge, with premiums for drivers 65 and older almost 35% more affordable than the national average for MetLife.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper car insurance prices than single drivers. That's because policies for married couples typically cover multiple cars, which several carriers will offer you a discount for.

When it comes to relationship status, Kentucky Farm Bureau is the clear winner for those who are single, with rates about $197 per month less expensive than MetLife, on average. For married policyholders, the advantage is clear again - Kentucky Farm Bureau has the edge when it comes to average premiums.

Kentucky Farm Bureau vs. MetLife: Average Rates by Gender

Because men are more likely to get tickets and get into collisions, they have an increased chance of filing a claim with insurance. Therefore, men tend to get higher rates than women.

Women generally pay around 7% a month less than men with Kentucky Farm Bureau, while with MetLife, the difference is closer to 8% per month.

Looking at the data for each carrier specifically, Kentucky Farm Bureau comes out on top for both men and women. On average, male drivers save about $146 a month and women save about $133 with Kentucky Farm Bureau compared to the average MetLife policyholder.

Kentucky 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 isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Kentucky Farm Bureau normally offers significantly cheaper prices of $120 compared to MetLife's $215. When it comes to full coverage policies with similar limits, Kentucky Farm Bureau again has the edge, with policies around $200 per month less expensive than MetLife, on average.

Is Kentucky Farm Bureau or MetLife Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and accidents will most likely raise your rates, but is Kentucky Farm Bureau or MetLife more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Kentucky Farm Bureau car insurance policies don't report seeing their premiums increase after getting a ticket, but MetLife policyholders can expect to see their monthly bill increase by about $60.

However, Kentucky Farm Bureau has less expensive rates for drivers in both categories. Drivers with a clean record can save around $75 a month with Kentucky Farm Bureau, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Both companies will increase prices pretty significantly if you get into an at-fault collision with MetLife raising by just under $150. Kentucky Farm Bureau has a less extreme climb, but you can still expect to pay nearly $10 more than you were prior to your first accident.

Overall, the cheaper premiums come from Kentucky Farm Bureau, with monthly prices averaging $154 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 -- typically a lot more than a collision or speeding ticket. MetLife drivers usually see a 55% raise in their auto insurance rates after a DUI charge, while Kentucky Farm Bureau will generally increase premiums by about 60%.

How does Credit Score Impact Kentucky Farm Bureau and MetLife Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly insurance prices. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

The reasoning car 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 usually be forced to pay more.

Looking specifically at MetLife and Kentucky Farm Bureau, which company has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Kentucky Farm Bureau or MetLife Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much auto insurance companies will charge for coverage. Typically, those who drive fewer miles will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Kentucky Farm Bureau offers cheaper premiums than MetLife. Kentucky Farm Bureau average prices for drivers with 6,000 annual miles come in just under $150 more affordable than MetLife. Those who drive 12,000 miles every year can expect to pay nearly $150 less with Kentucky Farm Bureau over MetLife.

Kentucky Farm Bureau vs. MetLife: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a substantial role in how much you pay for car insurance. Normally, 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.

Kentucky Farm Bureau boasts the cheapest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Kentucky Farm Bureau's average premiums are around $159 less than MetLife. Drivers in suburban ZIP codes pay about $165 less with Kentucky Farm Bureau compared to MetLife. If you live in a rural area, you can expect to save around $96 with Kentucky Farm Bureau compared to MetLife.

Kentucky Farm Bureau 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 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 qualify for.

In the table below, we've taken a look at all of the different discounts Kentucky Farm Bureau and MetLife offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

MetLife blows Kentucky Farm Bureau away when it comes to the sheer amount of discounts available, offering 25 more discounts than Kentucky Farm Bureau.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and multi-policy discounts. MetLife also offers AAA discounts, academic discounts, agency transfer discounts, and more that Kentucky Farm Bureau does not.

On the flip side, Kentucky Farm Bureau has a couple unique discounts of its own -- discounts for getting driver training, school bus driver discounts, and umbrella policy discounts.

Final Thoughts: Is Kentucky Farm Bureau or MetLife Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which insurance carrier is the right carrier for you and your specific needs?

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

• You want to save money on your insurance after a collision.
• You live in an suburban area.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

MetLife might be best for you if...

• You're thinking about moving to another state -- undefined only offers policies in.
• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Kentucky Farm Bureau and MetLife and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Kentucky Farm Bureau 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 auto insurance carriers in your area, all in just a few minutes.

Kentucky Farm Bureau vs. MetLife FAQs

Is Kentucky Farm Bureau or MetLife cheaper?

Looking just at the national average prices, Kentucky Farm Bureau is the less expensive of the two companies, offering average rates of $201 per month compared to $340 for MetLife. That being said, Kentucky Farm Bureau won't necessarily be the lowest company for each driver, since there are lots of different factors that come into play when it comes to your insurance bill.

Who is better, Kentucky Farm Bureau or MetLife?

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

Why do Kentucky Farm Bureau and MetLife offer me different rates?

Auto insurance carriers take a look at lots of different variables when calculating the premiums they charge drivers. Things like age, your driving record, where you park your vehicle, gender, and sometimes even things like your credit score can all be used. Both Kentucky Farm Bureau and MetLife calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

How do I know if Kentucky 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 a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Kentucky 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.