Compare GEICO vs. MetLife Insurance

GEICO and MetLife are two of the biggest names in the world of insurance. GEICO was listed as the top-ranked auto insurer in 2016. Additionally, GEICO is also known for amazing customer service and affordable premiums. But it doesn’t have a lot of insurance products to choose from.

On the other hand, MetLife is best known for their strong policy management options and helpful representatives. But they lack a variety of driver discounts. Still, both companies have superior financial strength ratings and excellent J.D. Power rankings.

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

  GEICO MetLife
Best If GEICO
  • You want great customer service and low premiums
MetLife
  • You want helpful, knowledgeable reps
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
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 GEICO 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

GEICO MetLife
GEICO

GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
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 GEICO MetLife
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO 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 GEICO MetLife
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO MetLife
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO MetLife
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO MetLife
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Auto Insurance MetLife Car Insurance
2016 144 181
2015 283 333
2014 267 305
2013 188 323

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

GEICO Auto Insurance MetLife Car Insurance
A.M. Best A++ A+
Moody's Aa1- Aa3
S&P's AA+ A+

Mobile Apps

GEICO MetLife
GEICO

The GEICO Mobile App

provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards. Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance. Contact GEICO direct from your mobile phone for help should you get a flat tire, have an accident, etc.
  • Chat. Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO 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.

Download the MetLife US app for iPhone.

Download the MetLife US app for Android.

Roadside Assistance

GEICO MetLife
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

You can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411.
Visit GEICO's roadside service website here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send help even if you're not sure where you are.

MetLife

Contact Phone Number

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