Compare Allstate vs. MetLife Insurance

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Allstate and MetLife are both well-known insurance companies across the nation. Allstate was founded in 1931, and MetLife was founded 28 years later in 1959. Though Allstate has more discounts, Metlife’s Deductible Savings Benefit is a unique discount that can save customers $50 every year they don’t file a claim.

Both companies have strong financial strength and J.D. Power ratings, as well as good roadside service programs. MetLife’s consumer reviews appear to be a bit lower than Allstate’s because of its failure to respond to complaints swiftly and lack of follow-up.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allstate MetLife
Best If Allstate
  • You want easy, online tools to access your account
MetLife
  • You want helpful, knowledgeable representatives
Worst If Allstate
  • You're looking for reasonably priced premiums
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

Allstate MetLife
Allstate MetLife

The Deductible Savings Benefit 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.

The 12% Superior Driver Discount or 20% MetRewards discount has two options. You can either earn up to 12 percent if you and all the other drivers in your home have excellent driving records, or up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you are claim and violation-free for five years.

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate MetLife
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate 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 Allstate MetLife
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate MetLife
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate MetLife
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate MetLife
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance MetLife Insurance
2016 322 181
2015 460 333
2014 569 305
2013 530 323

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Allstate Insurance MetLife Insurance
A.M. Best A+ A+
Moody's Aa3 Aa3
S&P's AA- A+

Mobile Apps

Allstate MetLife
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

MetLife

MetLife US App lets you securely access your account in order 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 and the the other provides access to vision providers near you.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

Allstate MetLife
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
MetLife

Contact Phone Number

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