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

Quick Facts

• Looking at the national averages for auto insurance, Westfield offers significantly less expensive prices than Metlife
• Metlife may help you save more money -- they offer more discounts than Westfield Insurance
• Westfield tends to be a much more affordable option for drivers who have a speeding ticket on their driving record

Metlife or Westfield: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering huge savings. But exactly how much can you save by switching?

You might be considering Metlife or Westfield as potential options, but between the two, which company has cheaper rates for insurance?

Looking at nationwide averages, Metlife is quite a bit more expensive than Westfield, with prices averaging $340 a month compared to just $152 with Westfield.

That being said, that doesn't mean Westfield will necessarily be more affordable than Metlife for each driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things), so premiums will differ quite a bit from person to person.

So, if you want to find out which of Metlife or Westfield is really the best for you, keep reading to see average rates for each carrier broken down by many different rate factors.

Metlife vs. Westfield: Average Car Insurance Rates by State

Metlife and Westfield only compete against each other in West Virginia, where Westfield offers the cheaper average premiums. Westfield drivers tend to pay about $186 per month less on average compared to drivers who use Metlife for their auto insurance.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your prices. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Westfield save over 65% a month compared to those who use Metlife. It's worth noting that Metlife offers insurance in 44 different states compared to Westfield's one, which can skew the average premiums a bit, but the difference here is still considerable.

However, both carriers will drop rates by the time drivers turn 25. Westfield offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Metlife's average prices decrease more than 70% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Westfield gets the edge, with premiums for drivers 65 and older over 45% less expensive than the national average for Metlife.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance prices than married policyholders. That's because policies for married couples generally cover multiple vehicles, which a lot of companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is significant, with Westfield prices coming in at around 60% less than Metlife's. The advantage for married drivers with Westfield is also obvious, where drivers save about $100 per month.

Metlife or Westfield: Average Rates by Gender

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

With Metlife, women usually pay almost 10% a month less than men, and around 9% less with Westfield.

Looking at overall affordability, Westfield comes out on top for both men and women. On average, male drivers save about $195 per month and women save about $182 with Westfield compared to the average Metlife policyholder.

Metlife vs. Westfield: 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, car insurance isn't the easiest topic to understand. There are multiple different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Westfield has the significant edge, with average monthly premiums coming in at $62. If you want a full coverage policy with the same state minimum limits, Westfield again has the edge, with policies averaging around $242 a month to Metlife's $466.

Is Metlife or Westfield Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great prices 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 accidents lead to higher rates, but which carrier -- Metlife or Westfield -- has the cheapest premiums for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Westfield auto 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 about a quarter.

But Westfield has cheaper premiums for drivers in both categories -- their rates are around 49% less expensive for drivers with clean records and 60% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Metlife drivers who get in a collision can expect to see their rates climb by just under $150, while those who have insurance through Westfield will see around a $40 increase.

At the end of the day, Westfield offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $152 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 speeding ticket or even an accident. For example, Metlife increases average rates by more than $250 per month -- that's more than a 55% increase.

Westfield has the overall most affordable premiums for drivers with a DUI on their records at $231 monthly, but it's worth noting that Metlife's average rates come from 44 states compared to just one for Westfield, so the data may be skewed slightly.

How does Credit Score Impact Metlife and Westfield Rates?

Did you know many car insurance carriers take your credit score into account when determining prices? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it will come into play for quite a few policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

So, which company offers the cheapest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Westfield will typically reward you the most. For drivers with "excellent" credit scores, Westfield comes in nearly 44.59 less expensive. Drivers with "good" credit scores usually save about 50% with Westfield compared to average premiums from Metlife.

Which Company is Best for Drivers with Bad Credit?

Westfield typically offers lower rates than Metlife when it comes to drivers with bad credit. Drivers with "fair" credit pay around 55% a month less with Westfield compared to Metlife, and those with "poor" scores generally save an average of about 63% a month.

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

How much you drive can have a large impact on your monthly insurance payment. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Westfield charges. However, there's a small difference in monthly premiums for Metlife, with policyholders who drive the least paying around $3 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Westfield is the cheaper carrier.

Metlife or Westfield: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a big role in how much you pay for car insurance. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of cars that are on the roads where they live.

Westfield tends to offer the lowest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about 52% with Westfield compared to Metlife. People who live in suburban areas pay around 52% less with Westfield compared to Metlife. For policyholders in urban ZIP codes, Westfield Insurance's average premiums are about 61% less than MetLife.

Metlife vs. Westfield Discounts

No matter why you might be in the market for a new 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 auto insurance discounts as possible.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Metlife and Westfield so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Metlife blows Westfield away when it comes to the sheer amount of discounts available, offering 36 different discounts to Westfield's 17.

Both carriers offer several of the same discounts -- like ABS discounts, discounts for being a defensive driver, discounts for being a good student, and passive restraint discounts -- but Metlife also offers discounts for AAA, academic, agency transfer, and more.

On the other hand, Westfield has a few proprietary discounts of their own for things like account relationship discounts, companion auto discounts, company car discounts, and more.

Final Thoughts: Is Metlife or Westfield Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which company is the best one for you and your specific needs?

Westfield might be best for you if....

• Your driving record includes a DUI charge.
• Your home is located in the suburbs.
• You and your spouse are buying insurance together.

Metlife might be best for you if...

• You're thinking about moving to another state -- Westfield Insurance only offers policies to West Virginia residents.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Metlife and Westfield and that you can now make a more informed decision when it comes to 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 multiple carriers, not just Metlife and Westfield. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Metlife vs. Westfield FAQs

Is Metlife or Westfield cheaper?

Westfield is the more affordable of the two carriers when looking at national average rates, with policies averaging $152 per month with Westfield and $340 for Metlife. That being said, that doesn't mean Westfield will be the cheapest carrier for every policyholder, since there are a bunch of different factors that come into play when it comes to your auto insurance cost.

Who is better, Metlife or Westfield?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Metlife and Westfield offer me different rates?

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

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

The only way to find the insurance company 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 ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Metlife or Westfield 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.