Metlife vs. Redpoint County Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Redpoint County Mutual offers significantly cheaper premiums than Metlife
• Metlife may help you save more money -- they offer more discounts than Redpoint County Mutual
• Redpoint County Mutual offers less expensive average rates for single people who will be the only person on the auto insurance policy

Metlife or Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Metlife or Redpoint County Mutual, but between the two, which company has cheaper premiums for insurance?

Looking at the national average rates for both carriers, Redpoint County Mutual is quite a bit cheaper than Metlife, with prices averaging $196 a month compared to $340 with Metlife.

But that doesn't mean Redpoint County Mutual will necessarily be more affordable than Metlife for every driver. Auto insurance companies vary their rates depending on things like how good your credit score is, how clean your driving record is, how old you are, where you live, and a ton of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

Wanting to know if Metlife or Redpoint County Mutual is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Metlife vs. Redpoint County Mutual: Average Car Insurance Rates by State

Metlife and Redpoint County Mutual only compete against each other in Texas, where Redpoint County Mutual offers the cheaper average prices. Redpoint County Mutual drivers tend to pay about $165 per month less on average compared to drivers who use Metlife for their car insurance.

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

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. That's because teen 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Redpoint County Mutual save over 55% a month compared to those who use Metlife. It's worth noting that Metlife offers car insurance in 44 different states compared to Redpoint County Mutual's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both carriers will reduce prices once you turn 25. For example, average rates for Metlife policyholders decrease around $500 and Redpoint County Mutual's premiums drop about $250 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest auto insurance prices you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise rates.

So, which carrier offers the best premiums to retired drivers? Redpoint County Mutual gets the edge here, with average prices coming in at around $150 monthly compared to Metlife's $205.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive car insurance rates than single drivers. That's because policies for married drivers usually cover multiple vehicles, which a lot of companies will give you a discount for.

For those who are single, the difference in average prices between these two carriers is significant, with Redpoint County Mutual premiums coming in at about half of Metlife's. The advantage is also clear for married policyholders - Redpoint County Mutual offers the cheapest average prices.

Metlife or Redpoint County Mutual: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. So, insurance companies will tend to charge women less than men.

With Metlife, men typically pay almost 10% more per month than women., but with Redpoint County Mutual, the difference is closer to 9% a month.

When it comes to the lowest rates for each gender, Redpoint County Mutual comes out on top for both men and women. On average, male drivers save about $149 per month and women save around $139 with Redpoint County Mutual compared to the average Metlife policyholder.

Metlife vs. Redpoint County Mutual: 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 insurance can be pretty complicated. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability insurance, Redpoint County Mutual has the significant edge, with average monthly premiums coming in at $115. If you want a full coverage policy with the same state minimum limits, Redpoint County Mutual again has the edge, with policies averaging about $277 a month to Metlife's $466.

Is Metlife or Redpoint County Mutual 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.

It's no secret secret that speeding tickets and at-fault accidents lead to higher prices, but which company -- Metlife or Redpoint County Mutual -- has the most affordable premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual 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 around 20%.

Even so, Redpoint County Mutual is generally the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are 37% and 50% more affordable, 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 premiums increase by just under $150, while those who have insurance through Redpoint County Mutual will see about a $65 increase.

At the end of the day, Redpoint County Mutual offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $206 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. On average, Metlife will raise your premiums around 55% after a DUI, while Redpoint County Mutual's average prices rise by nearly 55%.

Redpoint County Mutual has the overall lowest premiums for drivers with a DUI on their records at $301 a month, but it's worth noting that Metlife's average rates come from 44 states compared to just one for Redpoint County Mutual, so the data may be skewed slightly.

How does Credit Score Impact Metlife and Redpoint County Mutual Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for lots of policyholders.

Car insurance companies 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 less expensive rates.

Looking at Metlife and Redpoint County Mutual specifically, which carrier has the cheapest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Redpoint County Mutual will normally reward you the most. For drivers with "excellent" credit scores, Redpoint County Mutual comes in just under 29.28 cheaper. Drivers with "good" credit scores usually save about 35% with Redpoint County Mutual compared to average prices from Metlife.

Which Company is Best for Drivers with Bad Credit?

Redpoint County Mutual typically offers lower rates than Metlife when it comes to drivers with bad credit. Drivers with "fair" credit pay around 40% per month less with Redpoint County Mutual compared to Metlife, and those with "poor" scores typically save an average of about 54% per month.

Is Metlife or Redpoint County Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly auto insurance bill. Normally, those who drive less will end up with more affordable premiums since there's less of a chance of causing an accident and filing an insurance claim.

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

Metlife or Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly insurance payment. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads where they live.

Redpoint County Mutual tends to offer the most affordable prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Redpoint County Mutual's average rates are about $151 less than MetLife. People who live in suburban areas pay around $156 less with Redpoint County Mutual compared to Metlife. Those in rural areas can expect to save about $126 with Redpoint County Mutual compared to Metlife.

Metlife vs. Redpoint County Mutual Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Metlife and Redpoint County Mutual so that you can find the one that has the most discounts and, therefore, the largest savings.

Metlife knocks Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering 33 more discounts than Redpoint County Mutual.

There are a couple discounts both carriers offer, but Metlife also offers discounts for AAA, ABS, academic, and more.

Redpoint County Mutual's discounts come through just three categories -- Good Driving, Group Discount, and Passive Restraint.

Final Thoughts: Is Metlife or Redpoint County Mutual Best for You?

So, we've broken down the average premiums for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which carrier is the best company for you and your specific driver profile?

Redpoint County Mutual might be best for you if....

• You like the personalized touch of a small, regional company.
• You have above-average credit.
• You don't spend much time in your car.

Metlife might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You care about discounts (Metlife offers the most).

Hopefully, this guide has ben a valuable resource as you compare Metlife and Redpoint County Mutual. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Metlife and Redpoint County Mutual. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Metlife vs. Redpoint County Mutual FAQs

Is Metlife or Redpoint County Mutual cheaper?

Redpoint County Mutual is the cheaper of the two carriers when looking at national average prices, with policies averaging $196 a month with Redpoint County Mutual and $340 for Metlife. However, that doesn't mean Redpoint County Mutual will be the cheapest company for everyone, since there are several different variables that come into play when it comes to your car insurance bill.

Who is better, Metlife or Redpoint County Mutual?

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

Why do Metlife and Redpoint County Mutual offer me different rates?

Car insurance companies use several different factors when determining the rates they charge. Variables such as gender, your driving record, where you call home, age, and sometimes even things like your credit score can all come into play. Both Metlife and Redpoint County Mutual calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Metlife or Redpoint County Mutual is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best company for you isn't Metlife or Redpoint County Mutual at all, but another you hadn't even thought of!

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.