Compare AAA vs. MetLife Insurance

Both AAA and MetLife are big names in the insurance world. AAA is a preferred provider due to its roadside assistance service. MetLife is a preferred provider due to its helpful and knowledgeable representatives. However, MetLife’s claims process could be simplified. And AAA sometimes lacks timeliness when it comes to assisting drivers stranded on the side of the road.

Still, both companies have excellent J.D. Power and financial strength ratings. So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA MetLife
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
MetLife
  • You want helpful, knowledgeable reps
Worst If AAA
  • You constantly need service calls. AAA only provides four service calls per cardholder per year. Anything beyond that costs extra
MetLife
  • You want a smooth follow-through with your agent/policy

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like AAA and MetLife. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

AAA MetLife
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
MetLife

Deductible Savings Benefit

This discount can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible.

12% Superior Driver Discount

You can earn up to 12 percent if you and every driver in your home has a great driving records.

20% MetRewards Discount

Save up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you have no claims or violations for five years.

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA MetLife
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA MetLife
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA MetLife
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA MetLife
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA MetLife
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA MetLife
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance MetLife Car Insurance
2016 181
2015 333
2014 305
2013 323

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance MetLife Car Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Below average
Pricing Average Below average
Local Agent Average Below average
Call Center Representative Above average Below average
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance MetLife Car Insurance
Overall Satisfaction Above average Below average
First Notice of Loss Above average Below average
Service Interaction Above average Below average
Appraisal Average Average
Repair Process Among the best Below average
Rental Car Experience Above average Average
Settlement Above average Below average

Financial Strength Ratings

AAA Car Insurance MetLife Car Insurance
A.M. Best A+ A+
Moody's -- Aa3
S&P's A A+

Mobile Apps

AAA MetLife
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

MetLife

MetLife US App

This app lets you securely access your account on the go. Use it to: report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area. The the other provides access to vision providers near you.

Download the MetLife US app for iPhone.

Download the MetLife US app for Android.

Roadside Assistance

AAA MetLife
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
MetLife

Contact Phone Number

For roadside assistance, call our hotline: 1-800-854-6011.