Metlife vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, United Financial Casualty Company offers significantly more affordable rates than Metlife
• Metlife may help you save more money -- they offer more discounts than United Financial Casualty Company
• United Financial Casualty Company tends to be a much less expensive option for drivers who have below-average credit

Metlife or United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Metlife or United Financial Casualty Company as potential options, but which company will save you the most?

Looking at nationwide averages, United Financial Casualty Company has average rates that are around 60% a month more affordable than those from Metlife.

However, United Financial Casualty Company may not be the lowest or best option for every driver out there. Auto insurance carriers use a ton of complex algorithms to determine prices, so depending on how clean your driving record is or where you live (among multiple other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Metlife and United Financial Casualty Company by lots of different rate factors, so read on to find out which company is the best for you.

Metlife vs. United Financial Casualty Company: Average Car Insurance Rates by State

Metlife and United Financial Casualty Company only compete against each other in two states, with United Financial Casualty Company offering cheaper rates to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company premiums are $236 less expensive than car insurance rates at Metlife.

There are plenty of other factors that go into your insurance cost than just the state you live in. 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 normally pay a lot more for auto insurance than any group on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have United Financial Casualty Company for their auto insurance pay over 65% less than those who use Metlife. It's worth noting that Metlife offers insurance in 44 different states compared to United Financial Casualty Company's two, which can skew the average prices a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your premiums decrease significantly by the time you turn 25. For example, average rates for Metlife policyholders lower more than 70% and United Financial Casualty Company's prices drop over 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance rates out there. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise prices.

When looking at Metlife and United Financial Casualty Company specifically, which carrier is best for retired drivers? United Financial Casualty Company gets the edge, with premiums for drivers 65 and older $110 more affordable than the national average for Metlife.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for those who are single than they are for married drivers. That's because policies for married couples typically cover multiple vehicles, which lots of carriers will give you a discount for.

For single policyholders, the difference in average premiums between these two companies is significant, with United Financial Casualty Company prices coming in at about a third of Metlife's. The advantage for married policyholders with United Financial Casualty Company is also obvious, where drivers save more than 55% per month.

Metlife or United Financial Casualty Company: Average Rates by Gender

Men tend to pay more for insurance than women. That's because men are more likely to get into accidents and get tickets, which raises the chances of filing a claim with insurance.

Usually, women see premiums almost 10% a month less with Metlife, but with United Financial Casualty Company, the difference is closer to 1% per month.

When it comes to the most affordable rates for each gender, United Financial Casualty Company offers the lowest average prices for both men and women. On average, male drivers save about $220 a month and women save around $194 with United Financial Casualty Company compared to the average Metlife policyholder.

Metlife vs. United Financial Casualty Company: 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 so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum liability limits, United Financial Casualty Company has the significant edge, with average monthly premiums coming in at $79. If you want a full coverage policy with the same state minimum limits, United Financial Casualty Company again has the edge, with policies averaging about $187 per month to Metlife's $466.

Is Metlife or United Financial Casualty Company Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

At-fault accidents and speeding tickets will most likely raise your prices, but is Metlife or United Financial Casualty Company cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Metlife for their insurance can usually expect their monthly bill to go up around 21% after getting a speeding ticket. United Financial Casualty Company policyholders can expect a bit more drastic of an increase of about 25%.

Even so, United Financial Casualty Company is typically the less expensive option for drivers both with a ticket and with a clean record, offering rates that are $117 and $142 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 prices rise by over 40%, while those who have insurance through United Financial Casualty Company will see around a 35% increase.

At the end of the day, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with average rates coming in at $158 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 speeding ticket when it comes to your auto insurance bill. For example, Metlife increases average premiums by more than $250 a month -- that's more than a 55% increase.

United Financial Casualty Company has the overall cheapest rates for drivers with a DUI on their records at $134 a month, but it's worth noting that Metlife's average rates come from 44 states compared to just two for United Financial Casualty Company, so the data may be skewed slightly.

How does Credit Score Impact Metlife and United Financial Casualty Company Rates?

In many cases, your credit score can be used as one of the factors to calculate your monthly insurance prices. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it might come into play for quite a few policyholders.

Car insurance carriers argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, United Financial Casualty Company will generally reward you the most. For policyholders with "excellent" credit scores, United Financial Casualty Company comes in nearly 53.15 less expensive. Drivers with "good" credit scores typically save about 56% with United Financial Casualty Company compared to average rates from Metlife.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower premiums than Metlife when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 58% per month less with United Financial Casualty Company compared to Metlife, and those with "poor" scores usually save an average of about 68% per month.

Is Metlife or United Financial Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly auto insurance bill. Generally, the more milage you drive, the more you can expect to pay for car insurance.

For both remote workers and those taking short commutes, United Financial Casualty Company tends to be the cheaper option. United Financial Casualty Company's average prices for drivers with 6,000 annual miles come in over 60% more affordable than Metlife. Those who drive 12,000 miles yearly can expect to pay more than 60% less with United Financial Casualty Company over Metlife.

Metlife or United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly insurance payment. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the road where they live, which lowers the chances of an accident.

United Financial Casualty Company tends to offer the cheapest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, United Financial Casualty Company's average prices are around $139 a month compared to Metlife's $389. People in suburban areas pay about $134 with United Financial Casualty Company compared to Metlife's $333 monthly. Those in rural areas can expect to pay around $125 a month with United Financial Casualty Company compared to Metlife's $299.

Metlife vs. United Financial Casualty Company Discounts

No matter 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 you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Metlife and United Financial Casualty Company 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 United Financial Casualty Company away when it comes to the sheer amount of discounts available, offering 18 more discounts than United Financial Casualty Company.

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

On the other hand, United Financial Casualty Company has a few proprietary discounts of their own for things like continuous insurance discounts, e-signature discounts, minor child discounts, and more.

Final Thoughts: Is Metlife or United Financial Casualty Company Best for You?

So, we've broken down the average premiums for many of the variables insurance carriers look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is Metlife or United Financial Casualty Company the best carrier for you, your vehicle, and your wallet?

United Financial Casualty Company might be best for you if....

• You will be the only person on the car insurance policy.
• You already have a great credit score.
• You're of retirement age and want to take advantage of lower rates.

Metlife might be best for you if...

• You value the experience that comes with a large national insurance company.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Metlife and United Financial Casualty Company. 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 car insurance policy is to compare quotes from several companies, not just Metlife and United Financial Casualty Company. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Metlife vs. United Financial Casualty Company FAQs

Is Metlife or United Financial Casualty Company cheaper?

United Financial Casualty Company is the cheaper of the two companies when looking at national average prices, with policies averaging $133 per month with United Financial Casualty Company and $340 for Metlife. But that doesn't mean United Financial Casualty Company will be the most affordable company for each driver, since there are multiple different factors that come into play when it comes to your insurance bill.

Who is better, Metlife or United Financial Casualty Company?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all depends on what your unique auto insurance profile looks like.

Why do Metlife and United Financial Casualty Company offer me different rates?

Car insurance carriers use many different variables when determining the premiums they charge. Factors such as age, your driving record, gender, where you live, and sometimes even things like your credit score can all come into play. Both Metlife and United Financial Casualty Company calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Metlife or United Financial Casualty Company is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't Metlife or United Financial Casualty Company 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.