Metlife vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Workmen's Auto offers significantly more affordable premiums than Metlife
• Metlife may help you save more money -- they offer more discounts than Workmen's Auto Insurance
• Workmen's Auto tends to be a much less expensive option for policyholders whose driving record contains an at-fault collision

Metlife or Workmen's Auto: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to Metlife or Workmen's Auto, but between the two, which one has cheaper prices for insurance?

Looking at the national average rates for both carriers, Metlife is quite a bit more expensive than Workmen's Auto, with premiums averaging $340 a month compared to just $151 with Workmen's Auto.

However, that doesn't necessarily mean Workmen's Auto will be the less expensive option for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your credit score, your driving record, or even where you call home (among other things). 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 Workmen's Auto is really the best for you, keep reading to see average rates for each company broken down by multiple different rate factors.

Metlife vs. Workmen's Auto: Average Car Insurance Rates by State

Metlife and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average prices. Workmen's Auto drivers tend to pay about $211 per month less on average compared to drivers who use Metlife for their auto insurance.

That being said, there are plenty of other factors that go into your insurance cost than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. Typically, that's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of over 65% less a month by choosing Workmen's Auto over Metlife. It's worth noting that Metlife offers insurance in 44 different states compared to Workmen's Auto's one, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your prices drop significantly by the time you turn 25. Workmen's Auto offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Metlife's average rates lower more than 70% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest auto insurance premiums you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best premiums for retired drivers between Metlife and Workmen's Auto? Workmen's Auto gets the edge, with rates for drivers 65 and older almost 40% cheaper than the national average for Metlife.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more affordable for married policyholders than they are for single policyholders. That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average premiums between these two companies is significant, with Workmen's Auto rates coming in at around a third of Metlife's. The advantage is also clear for married couples - Workmen's Auto offers the cheapest average prices.

Metlife or Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll usually end up paying more for auto insurance than women.

On average, women see premiums nearly 10% per month less with Metlife; men and women get the same monthly rates with Workmen's Auto.

Looking at the data for each carrier specifically, Workmen's Auto comes out as the lowest option for both genders. On average, women save about $175 a month and men save about $203 with Workmen's Auto compared to the average Metlife policyholder.

Metlife vs. Workmen's Auto: 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 bunch of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

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

Looking specifically at state minimum limits for liability insurance, Workmen's Auto has the significant edge, with average monthly prices coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging around $235 per month to Metlife's $466.

Is Metlife or Workmen's Auto Better for Drivers with Spotty Records?

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

You'll probably end up paying more with at-fault collisions and speeding tickets on your record, but which of these two carriers offers the cheapest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Metlife for their auto insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. Workmen's Auto policyholders can expect a bit more drastic of an increase of around 23%.

Even so, Workmen's Auto has less expensive rates for drivers in both categories -- their rates are around 50% cheaper for drivers with clean records and 48% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Metlife can expect to see about an $148 -- or around 40% -- rise in their insurance premiums. Drivers who use Workmen's Auto for their auto insurance will see a monthly bill about $45 (or 29%) more expensive after reporting an accident to their car insurance company.

At the end of the day, drivers who use Workmen's Auto end up with the cheaper prices after an accident, with average rates coming in at $156 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 accident or ticket when it comes to your auto insurance bill. For example, Metlife increases average prices by more than $250 a month -- that's more than a 55% increase.

Workmen's Auto has the overall most affordable premiums for drivers with a DUI on their records at $191 per month, but it's worth noting that Metlife's average rates come from 44 states compared to just one for Workmen's Auto, so the data may be skewed slightly.

How does Credit Score Impact Metlife and Workmen's Auto Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly car insurance rates. This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it does affect quite a few drivers out there.

The reasoning insurance companies use is that policyholders 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 less expensive prices.

Looking specifically at Workmen's Auto and Metlife, which company has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Generally, if you have stellar credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will usually save MetLife customers around 20%. Workmen's Auto, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with MetLife. If your credit score is in the "poor" range, at MetLife, you may pay about 35% more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, because Workmen's Auto doesn't have data available for credit scores, they might have better premiums for drivers with bad credit over MetLife.

Is Metlife or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly prices? Typically, those who drive less will end up with more affordable rates since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Workmen's Auto offers cheaper premiums than Metlife. Workmen's Auto average rates for drivers with 6,000 annual miles come in over $200 less expensive than Metlife. Those who drive 12,000 miles yearly can expect to pay more than $150 less with Workmen's Auto over Metlife.

Metlife or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a big role in how much you pay for auto insurance. Generally, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the roads where they live.

Workmen's Auto tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Workmen's Auto Insurance's average prices are around 62% less than MetLife. People who live in suburban areas pay about 54% less with Workmen's Auto compared to Metlife. Those in rural areas can expect to save around 50% with Workmen's Auto compared to Metlife.

Metlife vs. Workmen's Auto Discounts

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

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

Luckily, we did the hard work for you and looked at all of the different discounts Metlife and Workmen's Auto offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Metlife knocks Workmen's Auto out of the park when it comes to the sheer number of discounts available, offering 32 more discounts than Workmen's Auto.

A couple of those are overlapping for things like discounts for being a good driver, mature driver discounts, and renewal discounts. Metlife also offers discounts for AAA, ABS, academic, and more.

On the other hand, Workmen's Auto has a proprietary discount of their own -- a driver-vehicle combination discounts.

Final Thoughts: Is Metlife or Workmen's Auto Best for You?

So, we've broken down the average rates for many of the factors insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is Metlife or Workmen's Auto the best carrier for you, your vehicle, and your wallet?

Workmen's Auto might be best for you if....

• You have a clean record.
• You're looking for the best prices on liability only coverage.
• Your neighborhood is in a rural area.

Metlife might be best for you if...

• Your credit is less-than-stellar.
• You already have a great credit score.
• You want to save extra money with discounts.

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from a handful of companies, not just Metlife and Workmen's Auto. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Metlife vs. Workmen's Auto FAQs

Is Metlife or Workmen's Auto cheaper?

Workmen's Auto is the more affordable of the two companies when looking at national average rates, with policies averaging $151 a month with Workmen's Auto and $340 for Metlife. That being said, that doesn't mean Workmen's Auto will be the cheapest company for every policyholder, since there are a variety of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Metlife or Workmen's Auto?

Unfortunately, the real answer is "it depends.". No single carrier is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Metlife is cheaper for drivers who have less-than-stellar credit scores, while Workmen's Auto offers less expensive premiums for policyholders with an at-fault collision on their record.

Why do Metlife and Workmen's Auto offer me different rates?

Car insurance carriers use several different factors when determining the prices they charge. Things like age, your driving record, where you live, gender, and sometimes even things like your credit score can all be used. Both Metlife and Workmen's Auto calculate rates using different variables, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from many different companies.

How do I know if Metlife or Workmen's Auto is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Metlife or Workmen's Auto 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.