Metlife vs. Noblr Reciprocal Exchange: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Noblr Reciprocal Exchange offers significantly cheaper premiums than Metlife
• Metlife offers more discounts than Noblr Reciprocal Exchange
• Noblr Reciprocal Exchange offers more affordable prices for residents in Arizona

Metlife vs. Noblr Reciprocal Exchange: 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 considerable discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Metlife or Noblr Reciprocal Exchange as potential options, but between the two, which carrier will offer you more affordable rates?

As you can see, Noblr Reciprocal Exchange is quite a bit cheaper than Metlife, with premiums averaging $79 per month compared to $340 with Metlife when looking at the national average rates for car insurance.

But that doesn't mean Noblr Reciprocal Exchange will necessarily be less expensive than Metlife for every driver. Insurance companies vary their rates depending on things like where you live, how clean your driving record is, how good your credit score is, how old you are, and a variety of other factors. So, at the end of the day, prices from each carrier will differ quite a bit from person to person.

So, if you want to find out which of Metlife or Noblr Reciprocal Exchange is really the best for you, keep reading to see average premiums for each company broken down by a bunch of different rate factors.

Metlife or Noblr Reciprocal Exchange: Average Car Insurance Rates by State

Metlife and Noblr Reciprocal Exchange only compete against each other in Arizona, where Noblr Reciprocal Exchange offers the cheaper average rates. For Arizona residents, Noblr Reciprocal Exchange offers car insurance for $79 monthly on average. Metlife's average prices come out to be over 70% more expensive, at $367 per month.

That being said, there's a lot more that goes into your auto insurance bill than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. That's usually 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 Noblr Reciprocal Exchange save more than $500 a month compared to those who use Metlife. It's worth noting that Metlife offers car insurance in 44 different states compared to Noblr Reciprocal Exchange's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both carriers will drop premiums once you turn 25. For example, average prices for Metlife policyholders reduce over $500 and Noblr Reciprocal Exchange's rates decrease nearly $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums out there.

But who has the best prices for retired drivers between Metlife and Noblr Reciprocal Exchange? Noblr Reciprocal Exchange gets the edge here, with average rates coming in at about $48 a month compared to Metlife's $205.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are normally more expensive for single policyholders than they are for married drivers? This usually boils down to married policyholders having several cars on their policy -- something lots of insurance companies will reward with discounts.

When it comes to relationship status, Noblr Reciprocal Exchange is the clear winner for single drivers, with premiums around $331 per month cheaper than Metlife, on average. The advantage is also clear for married couples - Noblr Reciprocal Exchange offers the lowest average prices.

Metlife vs. Noblr Reciprocal Exchange: Average Rates by Gender

Men tend to pay more for auto insurance than women. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

With Metlife, women generally pay almost 10% a month less than men, while with Noblr Reciprocal Exchange, the difference is closer to 5% per month.

Looking at overall affordability, Noblr Reciprocal Exchange comes out on top for both men and women, with average premiums 77% less for men and 76% cheaper for women.

Metlife or Noblr Reciprocal Exchange: 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.

Car insurance can be a complicated subject for most people. There are a variety of different coverages that account for many 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 (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, Noblr Reciprocal Exchange usually offers significantly less expensive rates of $46 compared to Metlife's $215. When it comes to full coverage policies with similar limits, Noblr Reciprocal Exchange again has the edge, with policies about $350 a month more affordable than Metlife, on average.

Is Metlife or Noblr Reciprocal Exchange 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 tickets and accidents on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Metlife policyholders can expect their prices to go up an average of $59 per month if they get a ticket, while Noblr Reciprocal Exchange typically raises premiums around $14 a month, on average.

Even so, Noblr Reciprocal Exchange is generally the less expensive option for drivers both with a speeding ticket and with a clean record, offering prices that are $156 and $201 cheaper, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Metlife drivers who get in an accident can expect to see their rates increase by over 40%, while those who have insurance through Noblr Reciprocal Exchange will see about a 30% increase.

Overall, the more affordable prices come from Noblr Reciprocal Exchange, with monthly rates averaging $90 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. Metlife drivers usually see a 55% increase in their auto insurance premiums after a DUI charge, while Noblr Reciprocal Exchange will normally climb prices by around 23%.

Noblr Reciprocal Exchange has the overall lowest rates for drivers with a DUI on their records at $83 per month, but it's worth noting that Metlife's average rates come from 44 states compared to just one for Noblr Reciprocal Exchange, so the data may be skewed slightly.

How does Credit Score Impact Metlife and Noblr Reciprocal Exchange Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of policyholders.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Metlife and Noblr Reciprocal Exchange, which one has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Noblr Reciprocal Exchange. Drivers with "excellent" credit can save just under 80% compared to Metlife, and those with "good" scores can also expect to see savings -- about $223 or 81% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Noblr Reciprocal Exchange typically offers lower prices than Metlife when it comes to drivers with bad credit. Drivers with "fair" credit pay around $238 per month less with Noblr Reciprocal Exchange compared to Metlife, and those with "poor" scores typically save an average of about $416 a month.

Is Metlife or Noblr Reciprocal Exchange Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly premiums. That's because the fewer miles you drive, the less likely you are to get into an accident 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 Noblr Reciprocal Exchange charges. However, there's a small difference in monthly rates for Metlife, with policyholders who drive 6,000 miles annually paying around $3 less each month compared to those who drive 12,000 miles yearly. Still, Noblr Reciprocal Exchange is the more affordable option for drivers in both categories.

Metlife vs. Noblr Reciprocal Exchange: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Noblr Reciprocal Exchange normally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Noblr Reciprocal Exchange's average rates are about 75% less than MetLife. Drivers in suburban ZIP codes pay around 79% less with Noblr Reciprocal Exchange compared to Metlife. If you live in a rural area, you can expect to save about 77% with Noblr Reciprocal Exchange compared to Metlife.

Metlife vs. Noblr Reciprocal Exchange Discounts

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

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

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

Metlife blows Noblr Reciprocal Exchange away when it comes to the sheer amount of discounts available, offering 28 more discounts than Noblr Reciprocal Exchange.

There are a couple discounts both carriers offer, but Metlife also offers AAA discounts, ABS discounts, academic discounts, and more that Noblr Reciprocal Exchange does not.

On the flip side, Noblr Reciprocal Exchange has a couple unique discounts of its own -- advantage technology discounts, continuous insurance discounts, and education discounts.

Final Thoughts: Is Metlife or Noblr Reciprocal Exchange Best for You?

So, we've broken down the average premiums for many of the factors car insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which insurance company is the right one for you and your specific needs?

Noblr Reciprocal Exchange might be best for you if....

• You've been pulled over for speeding recently.
• You have less-than-stellar credit.
• You are over 65 years old and want to save some money on your insurance.

Metlife might be best for you if...

• You are considering moving to another state -- Noblr Reciprocal Exchange only offers policies in AZ.
• You care about discounts (Metlife offers the most).

We hope this guide has ben a valuable resource as you compare Metlife and Noblr Reciprocal Exchange and that it aids in making a more informed decision about 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 several carriers, not just Metlife and Noblr Reciprocal Exchange. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Metlife vs. Noblr Reciprocal Exchange FAQs

Is Metlife or Noblr Reciprocal Exchange cheaper?

Looking just at the national average prices, Noblr Reciprocal Exchange is the less expensive of the two carriers, offering average rates of $79 a month compared to $340 for Metlife. However, Noblr Reciprocal Exchange won't necessarily be the cheapest carrier for everyone, since there are lots of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Metlife or Noblr Reciprocal Exchange?

Unfortunately, the answer truly is "it depends.". No single company is "better" for every driver -- it all boils down to your unique auto insurance profile.

Why do Metlife and Noblr Reciprocal Exchange offer me different rates?

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

How do I know if Metlife or Noblr Reciprocal Exchange is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies 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 area information 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 rate. And who knows, the best carrier for you might not be Metlife or Noblr Reciprocal Exchange 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.