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

Quick Facts

• Looking at the national averages for car insurance, Nevada General offers significantly less expensive rates than Metlife
• Metlife offers more discounts than Nevada General Insurance Company
• Nevada General offers cheaper average prices for residents of rural areas

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

So, you're thinking about 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 it down to Metlife or Nevada General, but between the two, which one has less expensive premiums for insurance?

Looking at the national average rates for both companies, Nevada General has average rates that are about 25% per month more affordable than those from Metlife.

That being said, Nevada General may not be the cheapest or best option for every driver out there. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, your credit score, your driving record, or even where you call home (among other things), so rates could vary drastically from person to person.

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

Metlife or Nevada General: Average Car Insurance Rates by State

Metlife and Nevada General only compete against each other in Nevada, where Nevada General offers the cheaper average rates. For Nevada residents, Nevada General offers insurance for $249 a month on average. Metlife's average prices come out to be over 60% more expensive, at $408 per month.

There's a lot more that goes into your car insurance payment than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older 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.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Nevada General save more than $350 a month compared to those who use Metlife. It's worth noting that Metlife offers car insurance in 44 different states compared to Nevada General's one, which can skew the average prices a bit, but the difference here is still considerable.

However, both companies will offer you dramatically lower rates by the time you turn 25. For example, average premiums for Metlife policyholders decrease over $500 and Nevada General's rates lower nearly $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you'll ever find.

When looking at Metlife and Nevada General specifically, which company is best for retired drivers? Nevada General gets the slight edge, with rates for drivers 65 and older $17 cheaper than the national average for Metlife.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance prices than married couples. That's normally 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, Nevada General is the clear winner for single drivers, with premiums around $138 per month more affordable than Metlife, on average. The advantage for married drivers with Nevada General is also obvious, where drivers save almost 15% a month.

Metlife vs. Nevada General: Average Rates by Gender

Did you know men usually pay more for insurance than women? This is because men are statistically more likely than women to get into collisions and get speeding tickets, which leads to increased risk for insurers and, therefore, higher prices.

With Metlife, women generally pay nearly 10% per month less than men, and about 2% less with Nevada General.

Looking at the data for each carrier specifically, Nevada General comes out as the most affordable option for both genders, with average premiums $103 less for men and $80 cheaper for women.

Metlife or Nevada General: 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.

For most people, auto insurance isn't the easiest topic to understand. There are several different coverages that account for a variety 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 that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability insurance, Nevada General normally offers significantly cheaper rates of $150 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Nevada General again has the edge, with policies around $100 a month less expensive than Metlife, on average.

Is Metlife or Nevada General 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.

You'll probably end up paying more with accidents and tickets on your record, but which of these two carriers offers the lowest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Metlife policyholders can expect their rates to go up an average of $59 per month if they get a ticket, while Nevada General generally raises prices about $22 a month, on average.

But Nevada General is usually the more affordable option for both drivers who have a recent speeding ticket and those with clean records, offering rates that are $11 and $48 less expensive, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Both companies will increase premiums pretty significantly if you get into an at-fault accident with Metlife raising by just under $150. Nevada General has a less extreme raise, but you can still expect to pay nearly $50 more than you were prior to your first collision.

Overall, drivers who use Nevada General end up with the cheaper prices after an accident, with monthly prices averaging $257 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 -- normally a lot more than an accident or ticket. For example, Metlife increases average rates by over $250 per month -- that's over a 55% increase.

Nevada General has the overall most affordable premiums for drivers with a DUI on their records at $298 monthly, but it's worth noting that Metlife's average rates come from 44 states compared to just one for Nevada General, so the data may be skewed slightly.

How does Credit Score Impact Metlife and Nevada General Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect quite a few drivers out there.

Auto 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, policyholders with good credit will often be rewarded with cheaper premiums.

Looking at Metlife and Nevada General specifically, which company has the cheapest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Metlife for an "excellent" credit score. Policyholders with "excellent" credit can save more than 10% compared to Nevada General, while those with "good" scores can expect to see better savings from Nevada General -- around $25 or 9% more affordable than Metlife every month.

Which Company is Best for Drivers with Bad Credit?

Nevada General typically offers lower rates than Metlife when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $90 a month less with Nevada General compared to Metlife, and those with "poor" scores typically save an average of around $281 per month.

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

How much you drive can have a pretty big impact on how much car insurance companies will charge for coverage. That's because the fewer miles you drive, the less 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 Nevada General charges. However, there's a small difference in monthly prices for Metlife, with policyholders who drive 6,000 miles each year paying about $3 less every month compared to those who drive 12,000 miles annually. Still, Nevada General is the cheaper option for drivers in both categories.

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

Where your home is can have a big impact on your monthly insurance bill. Usually, 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.

Nevada General tends to offer the lowest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Nevada General's average premiums are around $347 per month compared to Metlife's $389. Drivers in suburban ZIP codes pay about $191 with Nevada General compared to Metlife's $333 a month. If you live in a rural area, you can expect to pay around $209 monthly with Nevada General and $299 with Metlife.

Metlife vs. Nevada General Discounts

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

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Metlife and Nevada General so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Metlife blows Nevada General away when it comes to the sheer amount of discounts available, offering 36 different discounts to Nevada General's nine.

Both carriers offer a lot of the same discounts -- like EFT discounts, group discounts, and passive restraint discounts -- but Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that Nevada General does not.

On the flip side, Nevada General has a unique discount of its own -- a driver training discounts.

Final Thoughts: Is Metlife or Nevada General Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, when it comes down to it, is Metlife or Nevada General the best carrier for you and your specific driver profile?

Nevada General might be best for you if....

• You have a DUI charge on your record.
• Your credit is below-average.
• You've started working from home and don't have much of a commute.

Metlife might be best for you if...

• You're planning on moving to another state soon -- Nevada General Insurance Company is only available in Nevada.
• You care about discounts (Metlife offers the most).

We hope this guide helps you get a good idea of the differences between Metlife and Nevada General and that it aids in making a more informed decision about your car insurance.

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

Metlife vs. Nevada General FAQs

Is Metlife or Nevada General cheaper?

Looking just at the national average rates, Nevada General is the less expensive of the two carriers, offering average rates of $249 a month compared to $340 for Metlife. Even so, Nevada General won't necessarily be the cheapest company for each policyholder, since there are lots of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Metlife or Nevada General?

Sadly, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all boils down to your unique auto insurance profile. For example, Nevada General offers cheaper prices for drivers with a recent DUI, while Metlife is less expensive for drivers with excellent credit.

Why do Metlife and Nevada General offer me different rates?

Insurance companies take a look at a lot of different factors when determining the premiums they charge drivers. Things such as gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Metlife and Nevada General calculate prices differently, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple 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 ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Metlife or Nevada General 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.