Auto Insurance Comparison
Farmers vs MetLife
Side-by-side comparison of Farmers vs MetLife auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Farmers 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.
| Farmers | MetLife | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with home or life coverage | MetLife exited the U |
| Read full review | Farmers review → | MetLife review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Farmers | MetLife |
|---|---|---|
| Customer experience | 3.70 | 3.60 |
| Coverage breadth | 4.20 | 3.80 |
| Affordability | 3.20 | 3.40 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Farmers
Full review →Pros
- Coverage that is completely customizable for both vehicle and house insurance policies
- Opportunities for bundling several lines of insurance
- Numerous automobile insurance reductions are available.
- Fewer customer complaints than average
Cons
- Standalone auto rates typically run above more pure-play competitors
- Customer satisfaction on claims handling trends average to slightly below average
- Online quote and self-service experience lags more digital-native competitors
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.
Farmers
MetLife
The bottom line
Farmers
Choose Farmers if you'd use the agent relationship and bundle multiple lines. As a price-driven solo-auto shopper, you'll usually find cheaper rates at GEICO or Progressive without giving up much.
Read the full Farmers 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.