Comparing quotes is the best way to get your lowest rates from top insurers like USAA and MetLife. QuoteWizard is an independent company that helps you find your right policy at your best rate.
USAA and MetLife are two of the biggest names in the auto insurance world. USAA has helpful customer service and a smooth claims process. But it only offers insurance to members of the military and their family.
MetLife also has helpful and knowledgeable representatives. But they have a limited selection of discounts. Nonetheless, both companies have excellent J.D. Power rankings and excellent financial strength ratings.
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 |
USAA
|
MetLife
|
| Worst If |
USAA
|
MetLife
|
| USAA |
MetLife
Deductible Savings BenefitThis 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 DiscountYou can earn up to 12 percent if you and every driver in your home has a great driving records. 20% MetRewards DiscountSave 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. |
| 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 |
| USAA Car Insurance | MetLife Car Insurance | |
|---|---|---|
| 2016 | 245 | 181 |
| 2015 | 415 | 333 |
| 2014 | 380 | 305 |
| 2013 | 270 | 323 |
| USAA Car Insurance | MetLife Car 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 | -- |
| USAA Car Insurance | MetLife Car 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 |
| USAA Car Insurance | MetLife Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A+ |
| Moody's | Aaa | Aa3 |
| S&P's | AA+ | A+ |
|
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here. |
MetLife
MetLife US AppThis 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. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |
MetLife
Contact Phone NumberFor roadside assistance, call our hotline: 1-800-854-6011. |