Compare GEICO vs. MetLife Insurance

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GEICO and MetLife are two of the biggest names in the world of insurance. MetLife was founded in 1863,and GEICO was founded in 1936. GEICO was listed as the top-ranked auto insurer in 2016. Additionally, GEICO is also known for amazing customer service and affordable premiums, but 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 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 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

  GEICO MetLife
Best If GEICO
  • You want great customer service and low premiums
MetLife
  • You want helpful, knowledgeable representatives
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

Special Car Insurance Discounts

GEICO MetLife
GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. 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

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

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance MetLife 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 Car Insurance MetLife 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 Car Insurance MetLife 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 out on the road 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 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

GEICO MetLife
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto 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

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is 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 assistance even if you're not sure where you are.

MetLife

Contact Phone Number

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