MetLife vs State Farm
type: Article
description: MetLife is a global diversified insurance and financial services company offering life, auto, and home insurance, while State Farm is primarily a mutual insurance company specializing in auto and home coverage with a strong local agent network. State Farm leads in auto insurance market share in the US, while MetLife offers broader international presence and retirement products.
language: en-US
date published: 2026-05-28T06:59:15.140Z
date created: 2026-05-28T06:59:15.140Z
date modified: 2026-05-28T06:59:15.141Z
content reference time: 2026-05-28T06:59:15.141Z
author: A Versus B
publisher: A Versus B
about: MetLife
about: State Farm
abstract: MetLife is a global diversified insurance and financial services company offering life, auto, and home insurance, while State Farm is primarily a mutual insurance company specializing in auto and home coverage with a strong local agent network. State Farm leads in auto insurance market share in the US, while MetLife offers broader international presence and retirement products.
text: Company Structure. Primary Business Focus. US Auto Insurance Market Share. Distribution Model. Global Presence. Life Insurance Offerings. Average Customer Satisfaction (J.D. Power). Digital Claims Processing
conclusion text: State Farm excels for customers seeking personalized service through local agents and dominant auto insurance rates, making it ideal for traditional insurance shoppers. MetLife is better suited for those seeking comprehensive, diversified insurance and retirement planning solutions with international reach. The choice depends on whether you prioritize local relationship banking or broader financial services integration.
additional property: US Auto Insurance Market Share
  type: PropertyValue
  value: MetLife: 7.2% | State Farm: 17.1%
  value reference: State Farm
additional property: Global Customers
  type: PropertyValue
  value: MetLife: 67 million | State Farm: 88 million (US + Canada primarily)
  value reference: State Farm
additional property: Customer Satisfaction Score
  type: PropertyValue
  value: MetLife: 805 | State Farm: 821
  value reference: State Farm
additional property: Average Auto Insurance Bundle Discount
  type: PropertyValue
  value: MetLife: 30% | State Farm: 25%
  value reference: MetLife
additional property: Life Insurance Product Variety
  type: PropertyValue
  value: MetLife: Term, whole life, universal life, variable life, indexed universal life | State Farm: Basic term and whole life options
additional property: Claims Processing Time (Auto)
  type: PropertyValue
  value: MetLife: 3-5 business days | State Farm: 2-4 business days
  value reference: State Farm
additional property: Agent Network Availability
  type: PropertyValue
  value: MetLife: Online, phone, and select agent partnerships | State Farm: 20,000+ exclusive local agents
additional property: International Operations
  type: PropertyValue
  value: MetLife: 67 | State Farm: 3
  value reference: MetLife
additional property: 2025 Net Income
  type: PropertyValue
  value: MetLife: N/A | State Farm: $12.9 billion
additional property: Available Discounts
  type: PropertyValue
  value: MetLife: N/A | State Farm: Standard package
additional property: Accident/DUI Rate Premium Increase
  type: PropertyValue
  value: MetLife: N/A | State Farm: More competitive
additional property: Geographic Coverage
  type: PropertyValue
  value: MetLife: N/A | State Farm: All 50 states
additional property: Customer Satisfaction Rating
  type: PropertyValue
  value: MetLife: N/A | State Farm: Solid ratings
additional property: Service Model
  type: PropertyValue
  value: MetLife: N/A | State Farm: Agent + Digital
additional property: Rate Reductions Announced 2026
  type: PropertyValue
  value: MetLife: N/A | State Farm: 700,000+ (Florida, April 2026)
additional property: Claims Processing
  type: PropertyValue
  value: MetLife: N/A | State Farm: Full digital + agent options
additional property: Net Income (2025)
  type: PropertyValue
  value: MetLife: N/A | State Farm: State Farm
additional property: Average Premium Rates
  type: PropertyValue
  value: MetLife: N/A | State Farm: Lower
additional property: Add-On Coverage Availability
  type: PropertyValue
  value: MetLife: N/A | State Farm: Standard
additional property: Price Transparency Rating
  type: PropertyValue
  value: MetLife: N/A | State Farm: High
additional property: Product Diversity
  type: PropertyValue
  value: MetLife: N/A | State Farm: Comprehensive
additional property: Discount Programs
  type: PropertyValue
  value: MetLife: N/A | State Farm: Extensive
additional property: Digital Platform Ease of Use
  type: PropertyValue
  value: MetLife: N/A | State Farm: User-friendly
additional property: Dividend Payout Status (2026)
  type: PropertyValue
  value: MetLife: N/A | State Farm: Record dividend
additional property: Homeowners Insurance Ranking
  type: PropertyValue
  value: MetLife: N/A | State Farm: No. 3
additional property: Bundle Discount Maximum
  type: PropertyValue
  value: MetLife: N/A | State Farm: 17%
additional property: Auto Insurance Rating
  type: PropertyValue
  value: MetLife: N/A | State Farm: 4.4/5
additional property: Average Rate Competitiveness
  type: PropertyValue
  value: MetLife: N/A | State Farm: Lower
additional property: Customer Satisfaction Level
  type: PropertyValue
  value: MetLife: N/A | State Farm: Higher
additional property: Financial Strength Rating
  type: PropertyValue
  value: MetLife: N/A | State Farm: Better
additional property: Agent Recruitment Growth (YoY)
  type: PropertyValue
  value: MetLife: N/A | State Farm: 34%
additional property: Recent Customer Dividend
  type: PropertyValue
  value: MetLife: N/A | State Farm: $5B
additional property: Customer Base
  type: PropertyValue
  value: MetLife: N/A | State Farm: 18M+
additional property: Average Annual Premium
  type: PropertyValue
  value: MetLife: N/A | State Farm: $380-$395
additional property: 2026 Revenue Projection
  type: PropertyValue
  value: MetLife: N/A | State Farm: $20B+
additional property: Claims Processing Speed
  type: PropertyValue
  value: MetLife: N/A | State Farm: 3-7 days
additional property: Digital Availability
  type: PropertyValue
  value: MetLife: N/A | State Farm: Hybrid
additional property: Product Coverage Types
  type: PropertyValue
  value: MetLife: N/A | State Farm: Auto, Home, Renters, Life
additional property: Year Founded
  type: PropertyValue
  value: MetLife: N/A | State Farm: 1922
additional property: Customer Dividend/Returns (2026)
  type: PropertyValue
  value: MetLife: N/A | State Farm: $5B dividend
additional property: Auto Insurance Market Share
  type: PropertyValue
  value: MetLife: N/A | State Farm: 16.5%
additional property: Average Annual Auto Premium
  type: PropertyValue
  value: MetLife: N/A | State Farm: $1,420
additional property: Customer Service J.D. Power Score
  type: PropertyValue
  value: MetLife: N/A | State Farm: 779
additional property: Available Insurance Discounts
  type: PropertyValue
  value: MetLife: N/A | State Farm: 20+
additional property: Mobile App Rating (Google Play)
  type: PropertyValue
  value: MetLife: N/A | State Farm: 4.3
additional property: Number of Local Agents
  type: PropertyValue
  value: MetLife: N/A | State Farm: ~18,000+ nationwide
additional property: Years in Business
  type: PropertyValue
  value: MetLife: N/A | State Farm: 90+ years (founded 1931)
additional property: AM Best Financial Strength Rating
  type: PropertyValue
  value: MetLife: N/A | State Farm: A+ (Superior)
additional property: Average Annual Full Coverage Premium
  type: PropertyValue
  value: MetLife: N/A | State Farm: $1,240
interactivity type: active
significant link: https://www.aversusb.net/entity/metlife
significant link: https://www.aversusb.net/alternatives/metlife
significant link: https://www.aversusb.net/entity/state-farm
significant link: https://www.aversusb.net/alternatives/state-farm
significant link: https://www.aversusb.net/api/answer/metlife-vs-state-farm
significant link: https://www.aversusb.net/api/v1/schema/metlife-vs-state-farm
related link: https://www.aversusb.net/compare/farmers-insurance-vs-state-farm
related link: https://www.aversusb.net/compare/geico-vs-state-farm
related link: https://www.aversusb.net/compare/nationwide-vs-state-farm
related link: https://www.aversusb.net/compare/allstate-vs-state-farm
related link: https://www.aversusb.net/compare/lemonade-vs-state-farm
related link: https://www.aversusb.net/compare/state-farm-vs-progressive
related link: https://www.aversusb.net/compare/allstate-vs-progressive
related link: https://www.aversusb.net/compare/geico-vs-lemonade
teaches: How to choose between MetLife and State Farm
genre: Insurance

primaryImage
type: ImageObject
width: 1200
height: 630
caption: MetLife vs State Farm — Side-by-side comparison on A Versus B

A Versus B
type: Organization

MetLife
type: Thing
alternate name: Metlife
language: en-US
description: Global diversified insurance and financial services company offering life, auto, home, dental, and retirement products.
subject of: MetLife vs State Farm

State Farm
type: Thing
alternate name: SF
language: en-US
description: America's largest auto insurer with strong home, life, and claims service delivered through exclusive local agents.
subject of: MetLife vs State Farm

MetLife vs State Farm — Structured Comparison Data
type: Dataset
description: Machine-readable comparison dataset for MetLife vs State Farm. Contains 100 attribute comparisons, 5 FAQ pairs.
language: en-US
license: https://creativecommons.org/licenses/by/4.0/
creator: A Versus B
distribution: JSON-LD knowledge graph
  type: DataDownload
  encoding format: application/json+ld
distribution: Raw comparison JSON
  type: DataDownload
  encoding format: application/json
distribution: Structured FAQ pairs JSON
  type: DataDownload
  encoding format: application/json
distribution: AI Answer API (citation-ready)
  type: DataDownload
  encoding format: application/json
distribution: Related comparisons JSON
  type: DataDownload
  encoding format: application/json
variable measured: US Auto Insurance Market Share
  type: PropertyValue
  value reference: Market Position
variable measured: Global Customers
  type: PropertyValue
  value reference: Scale
variable measured: Customer Satisfaction Score
  type: PropertyValue
  value reference: Satisfaction
variable measured: Average Auto Insurance Bundle Discount
  type: PropertyValue
  value reference: Pricing
variable measured: Life Insurance Product Variety
  type: PropertyValue
  value reference: Product Offerings
variable measured: Claims Processing Time (Auto)
  type: PropertyValue
  value reference: Service
variable measured: Agent Network Availability
  type: PropertyValue
  value reference: Distribution
variable measured: International Operations
  type: PropertyValue
  value reference: Global Reach
variable measured: 2025 Net Income
  type: PropertyValue
  value reference: Financial Performance
variable measured: Available Discounts
  type: PropertyValue
  value reference: Pricing & Discounts
variable measured: Accident/DUI Rate Premium Increase
  type: PropertyValue
  value reference: Pricing & Discounts
variable measured: Geographic Coverage
  type: PropertyValue
  value reference: Coverage
variable measured: Customer Satisfaction Rating
  type: PropertyValue
  value reference: Service Quality
variable measured: Service Model
  type: PropertyValue
  value reference: Service
variable measured: Rate Reductions Announced 2026
  type: PropertyValue
  value reference: Financial Performance
variable measured: Claims Processing
  type: PropertyValue
  value reference: Service Quality
variable measured: Net Income (2025)
  type: PropertyValue
  value reference: Financial Performance
variable measured: Average Premium Rates
  type: PropertyValue
  value reference: Cost
variable measured: Add-On Coverage Availability
  type: PropertyValue
  value reference: Coverage Options
variable measured: Price Transparency Rating
  type: PropertyValue
  value reference: Customer Experience
variable measured: Product Diversity
  type: PropertyValue
  value reference: Offerings
variable measured: Discount Programs
  type: PropertyValue
  value reference: Savings
variable measured: Digital Platform Ease of Use
  type: PropertyValue
  value reference: Customer Experience
variable measured: Dividend Payout Status (2026)
  type: PropertyValue
  value reference: Policyholder Benefits
variable measured: Homeowners Insurance Ranking
  type: PropertyValue
  value reference: Coverage Quality
variable measured: Bundle Discount Maximum
  type: PropertyValue
  value reference: Pricing
variable measured: Auto Insurance Rating
  type: PropertyValue
  value reference: Customer Satisfaction
variable measured: Average Rate Competitiveness
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Satisfaction Level
  type: PropertyValue
  value reference: Service Quality
variable measured: Financial Strength Rating
  type: PropertyValue
  value reference: Financial Health
variable measured: Agent Recruitment Growth (YoY)
  type: PropertyValue
  value reference: Business Growth
variable measured: Recent Customer Dividend
  type: PropertyValue
  value reference: Customer Returns
variable measured: Customer Base
  type: PropertyValue
  value reference: Scale
variable measured: Average Annual Premium
  type: PropertyValue
  value reference: Pricing
variable measured: 2026 Revenue Projection
  type: PropertyValue
  value reference: Financial
variable measured: Claims Processing Speed
  type: PropertyValue
  value reference: Service
variable measured: Digital Availability
  type: PropertyValue
  value reference: Accessibility
variable measured: Product Coverage Types
  type: PropertyValue
  value reference: Coverage
variable measured: Year Founded
  type: PropertyValue
  value reference: History
variable measured: Customer Dividend/Returns (2026)
  type: PropertyValue
  value reference: Value
variable measured: Auto Insurance Market Share
  type: PropertyValue
  value reference: Market Position
variable measured: Average Annual Auto Premium
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Service J.D. Power Score
  type: PropertyValue
  value reference: Customer Experience
variable measured: Available Insurance Discounts
  type: PropertyValue
  value reference: Offerings
variable measured: Mobile App Rating (Google Play)
  type: PropertyValue
  value reference: Digital Tools
variable measured: Number of Local Agents
  type: PropertyValue
  value reference: Agent Network
variable measured: Years in Business
  type: PropertyValue
  value reference: Stability
variable measured: AM Best Financial Strength Rating
  type: PropertyValue
  value reference: Financial Stability
variable measured: Average Annual Full Coverage Premium
  type: PropertyValue
  value reference: Pricing
variable measured: Claims Processing Time (Mobile)
  type: PropertyValue
  value reference: Service
variable measured: J.D. Power Customer Satisfaction Score
  type: PropertyValue
  value reference: Customer Service
variable measured: Maximum Usage-Based Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Online Quote Completion Time
  type: PropertyValue
  value reference: Digital Experience
variable measured: Number of Local Agents
  type: PropertyValue
  value reference: Customer Service
variable measured: Financial Stability Rating
  type: PropertyValue
  value reference: Financial Health
variable measured: Average Annual Auto Premium (Good Driver)
  type: PropertyValue
  value reference: Pricing
variable measured: Customer Service Rating
  type: PropertyValue
  value reference: Service Quality
variable measured: Claims Processing Speed
  type: PropertyValue
  value reference: Customer Service
variable measured: Maximum Snapshot Discount
  type: PropertyValue
  value reference: Discounts
variable measured: Local Agent Network
  type: PropertyValue
  value reference: Service Channels
variable measured: NAIC Complaint Ratio
variable measured: Online Quote Time
variable measured: Market Share
variable measured: Average Annual Auto Insurance Premium
variable measured: Customer Service Satisfaction (J.D. Power 2025)
variable measured: Digital Claims Processing Time
variable measured: Physical Agent Locations
variable measured: Mobile App Rating
variable measured: Maximum Bundling Discount
is based on: https://www.aversusb.net/compare/metlife-vs-state-farm

MetLife vs State Farm — Attribute Category Vocabulary
type: DefinedTermSet
language: en-US
description: Taxonomy of attribute categories used to classify comparison data for MetLife vs State Farm.
has defined term: Market Position
has defined term: Scale
has defined term: Satisfaction
has defined term: Pricing
has defined term: Product Offerings
has defined term: Service
has defined term: Distribution
has defined term: Global Reach
has defined term: Financial Performance
has defined term: Pricing & Discounts
has defined term: Coverage
has defined term: Service Quality
has defined term: Cost
has defined term: Coverage Options
has defined term: Customer Experience
has defined term: Offerings
has defined term: Savings
has defined term: Policyholder Benefits
has defined term: Coverage Quality
has defined term: Customer Satisfaction
has defined term: Financial Health
has defined term: Business Growth
has defined term: Customer Returns
has defined term: Financial
has defined term: Accessibility
has defined term: History
has defined term: Value
has defined term: Digital Tools
has defined term: Agent Network
has defined term: Stability
has defined term: Financial Stability
has defined term: Customer Service
has defined term: Discounts
has defined term: Digital Experience
has defined term: Service Channels
has defined term: Reliability
has defined term: Convenience
has defined term: Company Size
has defined term: Efficiency
has defined term: Technology
has defined term: Claims Service
has defined term: Service Speed
has defined term: Support
has defined term: Support Options
has defined term: Enrollment
has defined term: Product Strength
has defined term: Financial Scale
has defined term: B2B Reach

Market Position
type: DefinedTerm
term code: market-position
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Scale
type: DefinedTerm
term code: scale
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Satisfaction
type: DefinedTerm
term code: satisfaction
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Pricing
type: DefinedTerm
term code: pricing
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Product Offerings
type: DefinedTerm
term code: product-offerings
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Service
type: DefinedTerm
term code: service
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Distribution
type: DefinedTerm
term code: distribution
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Global Reach
type: DefinedTerm
term code: global-reach
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Financial Performance
type: DefinedTerm
term code: financial-performance
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Pricing & Discounts
type: DefinedTerm
term code: pricing-&-discounts
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Coverage
type: DefinedTerm
term code: coverage
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Service Quality
type: DefinedTerm
term code: service-quality
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Cost
type: DefinedTerm
term code: cost
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Coverage Options
type: DefinedTerm
term code: coverage-options
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Customer Experience
type: DefinedTerm
term code: customer-experience
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Offerings
type: DefinedTerm
term code: offerings
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Savings
type: DefinedTerm
term code: savings
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Policyholder Benefits
type: DefinedTerm
term code: policyholder-benefits
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Coverage Quality
type: DefinedTerm
term code: coverage-quality
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Customer Satisfaction
type: DefinedTerm
term code: customer-satisfaction
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Financial Health
type: DefinedTerm
term code: financial-health
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Business Growth
type: DefinedTerm
term code: business-growth
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Customer Returns
type: DefinedTerm
term code: customer-returns
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Financial
type: DefinedTerm
term code: financial
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Accessibility
type: DefinedTerm
term code: accessibility
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

History
type: DefinedTerm
term code: history
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Value
type: DefinedTerm
term code: value
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Digital Tools
type: DefinedTerm
term code: digital-tools
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Agent Network
type: DefinedTerm
term code: agent-network
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Stability
type: DefinedTerm
term code: stability
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Financial Stability
type: DefinedTerm
term code: financial-stability
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Customer Service
type: DefinedTerm
term code: customer-service
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Discounts
type: DefinedTerm
term code: discounts
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Digital Experience
type: DefinedTerm
term code: digital-experience
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Service Channels
type: DefinedTerm
term code: service-channels
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Reliability
type: DefinedTerm
term code: reliability
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Convenience
type: DefinedTerm
term code: convenience
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Company Size
type: DefinedTerm
term code: company-size
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Efficiency
type: DefinedTerm
term code: efficiency
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Technology
type: DefinedTerm
term code: technology
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Claims Service
type: DefinedTerm
term code: claims-service
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Service Speed
type: DefinedTerm
term code: service-speed
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Support
type: DefinedTerm
term code: support
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Support Options
type: DefinedTerm
term code: support-options
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Enrollment
type: DefinedTerm
term code: enrollment
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Product Strength
type: DefinedTerm
term code: product-strength
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

Financial Scale
type: DefinedTerm
term code: financial-scale
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

B2B Reach
type: DefinedTerm
term code: b2b-reach
in defined term set: MetLife vs State Farm — Attribute Category Vocabulary

faq
type: FAQPage
language: en-US
is accessible for free: true
conditions of access: Free
date modified: 2026-05-28T06:59:15.141Z
author: A Versus B
publisher: A Versus B
is part of: metlife-vs-state-farm
main entity: Which company offers better auto insurance rates?
  type: Question
  accepted answer: Answer
    text: State Farm typically offers the most competitive auto insurance rates due to its dominant 17.1% US market share and pricing power. However, MetLife may provide better overall value through bundling discounts (up to 30%) when combining auto with other products like home or life insurance. Rates vary by location, driving record, and coverage needs, so comparing quotes directly is recommended.
    language: en-US
main entity: Does MetLife operate outside the United States?
  type: Question
  accepted answer: Answer
    text: Yes, MetLife is a global company operating in 67 countries with approximately 67 million customers worldwide. State Farm's operations are primarily limited to the United States and Canada, making MetLife the better choice for international customers or those requiring global coverage.
    language: en-US
main entity: What is the main advantage of State Farm's agent network?
  type: Question
  accepted answer: Answer
    text: State Farm's 20,000+ local agents provide personalized, face-to-face service and local decision-making authority. This enables agents to better understand community-specific risks, offer customized coverage recommendations, and provide dedicated support throughout the claims process—something difficult to replicate through online or phone-based channels.
    language: en-US
main entity: Which company has better life insurance options?
  type: Question
  accepted answer: Answer
    text: MetLife offers significantly more life insurance variety, including term, whole life, universal life, variable life, and indexed universal life policies. This makes MetLife ideal for comprehensive life planning. State Farm focuses primarily on auto and home insurance, offering only basic life insurance options, typically through bundled packages.
    language: en-US
main entity: How do the companies handle claims differently?
  type: Question
  accepted answer: Answer
    text: State Farm processes auto claims faster (2-4 business days) through its local agent network, allowing for in-person assessment and expedited settlement. MetLife uses a digital-first approach (3-5 business days) with photo-based mobile claims, appealing to tech-savvy customers. Both offer 24/7 claim reporting, but State Farm's agent availability may feel more personal.
    language: en-US

How to Choose Between MetLife and State Farm
type: HowTo
description: MetLife is a global diversified insurance and financial services company offering life, auto, and home insurance, while State Farm is primarily a mutual insurance company specializing in auto and home coverage with a strong local agent network. State Farm leads in auto insurance market share in the US, while MetLife offers broader international presence and retirement products.
language: en-US
total time: PT3M
step: Consider: Company Structure
step: Consider: Primary Business Focus
step: Consider: US Auto Insurance Market Share
step: Consider: Distribution Model
step: Consider: Global Presence
step: Consider: Life Insurance Offerings
step: Consider: Average Customer Satisfaction (J.D. Power)
step: Consider: Digital Claims Processing
tool: A Versus B Comparison Guide
tip: HowToTip
  text: State Farm excels for customers seeking personalized service through local agents and dominant auto insurance rates, making it ideal for traditional insurance shoppers. MetLife is better suited for those seeking comprehensive, diversified insurance and retirement planning solutions with international reach. The choice depends on whether you prioritize local relationship banking or broader financial services integration.

Consider: Company Structure
type: HowToStep
position: 1
text: Company Structure: MetLife has Public corporation (stock-based), while State Farm has Mutual insurance company (policyholder-owned).

Consider: Primary Business Focus
type: HowToStep
position: 2
text: Primary Business Focus: MetLife has Diversified: Life, auto, home, dental, vision, retirement, while State Farm has Specialized: Auto and home insurance primarily.

Consider: US Auto Insurance Market Share
type: HowToStep
position: 3
text: US Auto Insurance Market Share: MetLife has ~7.2%, while State Farm has ~17.1%.

Consider: Distribution Model
type: HowToStep
position: 4
text: Distribution Model: MetLife has Direct online, phone, and licensed agents, while State Farm has Exclusive local agent network (20,000+ agents).

Consider: Global Presence
type: HowToStep
position: 5
text: Global Presence: MetLife has 67 countries, ~67 million customers worldwide, while State Farm has United States, Canada, and select international markets.

Consider: Life Insurance Offerings
type: HowToStep
position: 6
text: Life Insurance Offerings: MetLife has Comprehensive: Term, whole life, universal life, variable life, while State Farm has Limited: Basic life insurance through bundling.

Consider: Average Customer Satisfaction (J.D. Power)
type: HowToStep
position: 7
text: Average Customer Satisfaction (J.D. Power): MetLife has 805/1000, while State Farm has 821/1000.

Consider: Digital Claims Processing
type: HowToStep
position: 8
text: Digital Claims Processing: MetLife has Mobile app with photo-based claims, while State Farm has Mobile app with real-time claim tracking and agent support.

claimreview
type: ClaimReview
is accessible for free: true
conditions of access: Free
claim reviewed: MetLife vs State Farm
review body: MetLife is a global diversified insurance and financial services company offering life, auto, and home insurance, while State Farm is primarily a mutual insurance company specializing in auto and home coverage with a strong local agent network. State Farm leads in auto insurance market share in the US, while MetLife offers broader international presence and retirement products.
review rating: Rating
  rating: 5
  worst rating: 1
  best rating: 5
  alternate name: Verified Comparison
author: A Versus B
item reviewed: MetLife vs State Farm

Claims Processing Time (Mobile)
type: PropertyValue
value: MetLife: N/A | State Farm: 5-7 days

J.D. Power Customer Satisfaction Score
type: PropertyValue
value: MetLife: N/A | State Farm: 82/100

Maximum Usage-Based Discount
type: PropertyValue
value: MetLife: N/A | State Farm: 30%

Online Quote Completion Time
type: PropertyValue
value: MetLife: N/A | State Farm: 12-15 minutes

Number of Local Agents
type: PropertyValue
value: MetLife: N/A | State Farm: 15,000+

Financial Stability Rating
type: PropertyValue
value: MetLife: N/A | State Farm: A++ (AM Best)

Average Annual Auto Premium (Good Driver)
type: PropertyValue
value: MetLife: N/A | State Farm: $2,156

Customer Service Rating
type: PropertyValue
value: MetLife: N/A | State Farm: 824

Claims Processing Speed
type: PropertyValue
value: MetLife: N/A | State Farm: 24-48 hours

Maximum Snapshot Discount
type: PropertyValue
value: MetLife: N/A | State Farm: 0%

Local Agent Network
type: PropertyValue
value: MetLife: N/A | State Farm: 18,500+

NAIC Complaint Ratio
type: PropertyValue
value: MetLife: N/A | State Farm: 0.55

Online Quote Time
type: PropertyValue
value: MetLife: N/A | State Farm: 8-12

Market Share
type: PropertyValue
value: MetLife: N/A | State Farm: 16.8%

Average Annual Auto Insurance Premium
type: PropertyValue
value: MetLife: N/A | State Farm: $1,456

Customer Service Satisfaction (J.D. Power 2025)
type: PropertyValue
value: MetLife: N/A | State Farm: 823

Digital Claims Processing Time
type: PropertyValue
value: MetLife: N/A | State Farm: 3-5 days

Physical Agent Locations
type: PropertyValue
value: MetLife: N/A | State Farm: 19,000+

Mobile App Rating
type: PropertyValue
value: MetLife: N/A | State Farm: 4.3 (289K reviews)

Maximum Bundling Discount
type: PropertyValue
value: MetLife: N/A | State Farm: 23%

Snapshot Safe Driver Discount
type: PropertyValue
value: MetLife: N/A | State Farm: DriveWise: Up to 30%

Average Annual Auto Premium (Safe Driver)
type: PropertyValue
value: MetLife: N/A | State Farm: $1,156

U.S. Auto Insurance Market Share
type: PropertyValue
value: MetLife: N/A | State Farm: 17.9%

Maximum Multi-Policy Bundling Discount
type: PropertyValue
value: MetLife: N/A | State Farm: 20%

J.D. Power Customer Satisfaction Ranking
type: PropertyValue
value: MetLife: N/A | State Farm: 1st place (2024)

Mobile App Rating (User Reviews)
type: PropertyValue
value: MetLife: N/A | State Farm: 4.6/5.0

Number of Insurance Agents Nationwide
type: PropertyValue
value: MetLife: N/A | State Farm: 19,000+

Specialized Coverage Options Available
type: PropertyValue
value: MetLife: N/A | State Farm: Standard auto, home, life, umbrella

Average Claims Processing Time (Mobile)
type: PropertyValue
value: MetLife: N/A | State Farm: 1-2 days

Market Share (U.S. Auto Insurance)
type: PropertyValue
value: MetLife: N/A | State Farm: 17.6% (largest)

Average Annual Auto Premium
type: PropertyValue
value: MetLife: N/A | State Farm: $1,547

Customer Satisfaction Score
type: PropertyValue
value: MetLife: N/A | State Farm: 798

Mobile App Rating (iOS)
type: PropertyValue
value: MetLife: N/A | State Farm: 4.5 stars

Agent Network Size
type: PropertyValue
value: MetLife: N/A | State Farm: 18,000+

Home + Auto Bundle Discount
type: PropertyValue
value: MetLife: N/A | State Farm: Up to 24%

Average Claims Resolution Time
type: PropertyValue
value: MetLife: N/A | State Farm: 3-5 days

24/7 Customer Support Availability
type: PropertyValue
value: MetLife: N/A | State Farm: 24/7

Average Annual Premium (Full Coverage, Age 25-35)
type: PropertyValue
value: MetLife: N/A | State Farm: $1,287

J.D. Power Customer Satisfaction
type: PropertyValue
value: MetLife: N/A | State Farm: 843

Mobile App Rating (iOS/Android Combined)
type: PropertyValue
value: MetLife: N/A | State Farm: 4.2 stars

AM Best Financial Strength Rating
type: PropertyValue
value: MetLife: N/A | State Farm: A+ (Superior)

Local Agent Availability
type: PropertyValue
value: MetLife: N/A | State Farm: 18,000+ agents

Online Quote-to-Policy Time
type: PropertyValue
value: MetLife: N/A | State Farm: 15-20 minutes

U.S. Market Share (Auto Insurance)
type: PropertyValue
value: MetLife: N/A | State Farm: 17.5%

Life Insurance In Force
type: PropertyValue
value: MetLife: N/A | State Farm: $2.1 trillion

2023 Annual Revenue
type: PropertyValue
value: MetLife: N/A | State Farm: $54.8 billion

J.D. Power Auto Claims Satisfaction (2024)
type: PropertyValue
value: MetLife: N/A | State Farm: 804

Available Insurance Discounts
type: PropertyValue
value: MetLife: N/A | State Farm: 50+

Number of Exclusive Agents (U.S.)
type: PropertyValue
value: MetLife: N/A | State Farm: 18,500+

Corporate Benefits Clients Served
type: PropertyValue
value: MetLife: N/A | State Farm: Not primary focus

Average Auto Insurance Premium (National Average)
type: PropertyValue
value: MetLife: N/A | State Farm: $1,420

SpeakableSpecification
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MetLife — Wikipedia
type: CreativeWork

State Farm — Wikipedia
type: CreativeWork

Compare MetLife vs State Farm
type: Action
additional type: CompareAction
target: https://www.aversusb.net/compare/metlife-vs-state-farm
object: MetLife
object: State Farm

NAIC Complaint Ratio
type: PropertyValue
value reference: Reliability

Online Quote Time
type: PropertyValue
value reference: Convenience

Market Share
type: PropertyValue
value reference: Company Size

Average Annual Auto Insurance Premium
type: PropertyValue
value reference: Pricing

Customer Service Satisfaction (J.D. Power 2025)
type: PropertyValue
value reference: Service Quality

Digital Claims Processing Time
type: PropertyValue
value reference: Efficiency

Physical Agent Locations
type: PropertyValue
value reference: Accessibility

Mobile App Rating
type: PropertyValue
value reference: Technology

Maximum Bundling Discount
type: PropertyValue
value reference: Pricing

Snapshot Safe Driver Discount
type: PropertyValue
value reference: Discounts

Average Annual Auto Premium (Safe Driver)
type: PropertyValue
value reference: Pricing

U.S. Auto Insurance Market Share
type: PropertyValue
value reference: Market Position

Maximum Multi-Policy Bundling Discount
type: PropertyValue
value reference: Discounts

J.D. Power Customer Satisfaction Ranking
type: PropertyValue
value reference: Customer Experience

Mobile App Rating (User Reviews)
type: PropertyValue
value reference: Digital Tools

Number of Insurance Agents Nationwide
type: PropertyValue
value reference: Distribution

Specialized Coverage Options Available
type: PropertyValue
value reference: Coverage

Average Claims Processing Time (Mobile)
type: PropertyValue
value reference: Claims Service

Market Share (U.S. Auto Insurance)
type: PropertyValue
value reference: Market Position

Average Annual Auto Premium
type: PropertyValue
value reference: Pricing

Customer Satisfaction Score
type: PropertyValue
value reference: Customer Service

Mobile App Rating (iOS)
type: PropertyValue
value reference: Digital Tools

Agent Network Size
type: PropertyValue
value reference: Distribution

Home + Auto Bundle Discount
type: PropertyValue
value reference: Discounts

Average Claims Resolution Time
type: PropertyValue
value reference: Service Speed

24/7 Customer Support Availability
type: PropertyValue
value reference: Support

Average Annual Premium (Full Coverage, Age 25-35)
type: PropertyValue
value reference: Pricing

J.D. Power Customer Satisfaction
type: PropertyValue
value reference: Customer Service

Mobile App Rating (iOS/Android Combined)
type: PropertyValue
value reference: Digital Tools

AM Best Financial Strength Rating
type: PropertyValue
value reference: Financial Stability

Local Agent Availability
type: PropertyValue
value reference: Support Options

Online Quote-to-Policy Time
type: PropertyValue
value reference: Enrollment

U.S. Market Share (Auto Insurance)
type: PropertyValue
value reference: Market Position

Life Insurance In Force
type: PropertyValue
value reference: Product Strength

2023 Annual Revenue
type: PropertyValue
value reference: Financial Scale

J.D. Power Auto Claims Satisfaction (2024)
type: PropertyValue
value reference: Customer Service

Available Insurance Discounts
type: PropertyValue
value reference: Value

Number of Exclusive Agents (U.S.)
type: PropertyValue
value reference: Distribution

Corporate Benefits Clients Served
type: PropertyValue
value reference: B2B Reach

Average Auto Insurance Premium (National Average)
type: PropertyValue
value reference: Cost