Compare Farmers vs. MetLife Insurance

Farmers and MetLife are two top-rated companies in the insurance world. Farmers is well liked for having a lot of coverage and vehicle discounts,but lacks good online tools to manage your policy.

Whereas, MetLife is well liked for having good policy management tools online, but lack a good selection of driver discounts. Still, both companies have excellent financial strength.

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

  Farmers MetLife
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
MetLife
  • You want helpful, knowledgeable reps
Worst If Farmers
  • You want slick online tools to manage your policy
MetLife
  • You want a smooth follow-through with your agent/policy

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Comparing quotes is the best way to get the lowest rates from top insurers like Farmers 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

Farmers MetLife
Farmers

Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low.

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

Consumer Complaint Data

Farmers Auto Insurance MetLife Car Insurance
2016 167 181
2015 262 333
2014 237 305
2013 300 323

U.S. Auto Insurance Shopping Study (2016)

Farmers Auto 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 -- Below average
Insurer Website Below average --

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

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

Financial Strength Ratings

Farmers Auto Insurance MetLife Car Insurance
A.M. Best A A+
Moody's Aa3 Aa3
S&P's A+ A+

Mobile Apps

Farmers MetLife
Farmers

Farmers Insurance Mobile App

helps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:

  • View the details of your coverage policy
  • Get updates from a message center
  • Have instant access with a “Keep Me Logged In” feature

Download the Farmers Insurance Mobile App.

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.

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

Roadside Assistance

Farmers MetLife
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150.

Farmers’ Roadside Emergency Safety Contact Number

Call 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. 

MetLife

Contact Phone Number

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