Auto Insurance Comparison
Safeco vs MetLife
Side-by-side comparison of Safeco vs MetLife auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Safeco 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.
| Safeco | MetLife | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Safeco Insurance is Liberty Mutual's independent-agent brand — same parent company, different distribution model | MetLife exited the U |
| Read full review | Safeco review → | MetLife review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Safeco | MetLife |
|---|---|---|
| Customer experience | 3.60 | 3.60 |
| Coverage breadth | 4.00 | 3.80 |
| Affordability | 3.50 | 3.40 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Safeco
Full review →Pros
- Shoppers hunting for deals.
- Those who drive passengers for profit (in certain states)
- Those searching for a house and vehicle insurance package
Cons
- People who want to get the best customer service and claims experience available
- People who decline to bundle their coverage
- People only interested in basic coverage
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.
Safeco
MetLife
The bottom line
Safeco
Safeco is a fine choice if you're working with an independent agent — they can compare it against other carriers in real time. Direct shoppers will get the same financial backing through Liberty Mutual.
Read the full Safeco 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.