Compare USAA vs. MetLife Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

USAA and MetLife are two of the biggest names in the auto insurance world. MetLife was founded in 1863, well before USAA, which was founded in 1922. USAA has helpful customer service and a smooth claims process, but the downside is that it only offers insurance to members of the military and their family.

Whereas, MetLife also has helpful and knowledgeable representatives, but has a limited selection of discounts. Nonetheless, both companies have excellent J.D. Power rankings and excellent financial strength ratings.

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

  USAA MetLife
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
MetLife
  • You want helpful, knowledgeable representatives
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance MetLife Insurance
2016 245 181
2015 415 333
2014 380 305
2013 270 323

U.S. Auto Insurance Shopping Study (2016)

USAA Car Insurance MetLife Insurance
Overall Purchase Experience Among the best Below average
Policy Offerings Among the best Below average
Pricing Among the best Below average
Local Agent -- Below average
Call Center Representative Among the best Below average
Insurer Website Among the best --

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

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

Financial Strength Ratings

USAA Car Insurance MetLife Insurance
A.M. Best A++ A+
Moody's Aaa Aa3
S&P's AA+ A+

Mobile Apps

USAA MetLife
USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. 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

USAA MetLife
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.

MetLife

Contact Phone Number

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