Auto Insurance Comparison
Quick verdict
ALFA edges ahead MetLife in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| ALFA | MetLife | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | ALFA Insurance is Alabama Farm Bureau's insurance arm, operating primarily in Alabama with limited presence in Georgia and Mississippi | MetLife exited the U |
| Read full review | ALFA review → | MetLife review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | ALFA | MetLife |
|---|---|---|
| Customer experience | 4.00 | 3.60 |
| Coverage breadth | 3.60 | 3.80 |
| Affordability | 3.90 | 3.40 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
ALFA
Full review →Pros
- Competitive auto rates in Alabama for clean records
- Strong Alabama agent network with deep state expertise
- Solid in-state customer satisfaction reputation
- Multi-line bundling discounts
Cons
- Geographic limitation — Alabama, Georgia, Mississippi only
- Farm Bureau membership required
- No online quoting — agent-distributed
MetLife
Full review →Pros
- Strong financial backing during its time as a personal auto carrier
- Solid claims-handling reputation among legacy policyholders
- Brand recognition and trust from decades in the personal-lines market
Cons
- No longer writing new U.S. auto policies — the business sold to Farmers in 2021
- Existing policies transitioned to Farmers administration, which may have shifted service quality and rates
- If you're shopping for a new policy today, MetLife is not an active option
Coverage at a glance
What each carrier offers in standard policies.
ALFA
MetLife
The bottom line
ALFA
ALFA is a solid Alabama Farm Bureau choice for in-state residents with clean records. Outside its three-state footprint, it isn't an option.
Read the full ALFA reviewMetLife
MetLife is no longer an active U.S. personal auto carrier. If you're shopping now, see our Farmers review for the current picture — that's the carrier administering the former MetLife book.
Read the full MetLife reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.