Utica National vs. Metlife Insurance

Which insurance provider is right for you? Compare insights, discounts, and quotes from Utica National and Metlife.

Compare Car Insurance Rates in Your Area

Utica National vs. Metlife: What You Need to Know

Utica Mutual Compensation Company was founded in 1914 as a workers compensation insurance carrier. The company quickly expanded its business by offering more coverage options and quickly becoming one of the New York State’s most successful and respectful mutual insurance organizations.Utica adopted the independent agent system in 1928 in order to sell auto insurance in areas not easily accessed by the office located in New York. Even during the Great Depression and World War II, the company kept growing and expanding. By the end of 1940’s, Utica’s assets had more than doubled. Today, Utica National Insurance Group is an award-winning, nationally recognized organization which provides a variety of personal and commercial insurance products, through more than 2,200 independent agents across the country. The company has seven regional offices located in Virginia, Ohio, two in New York, Massachusetts, Texas and Georgia.

In 1869, MetLife began offering financial protection to working-class Americans, mostly Civil War sailors and soldiers. It was then called the Metropolitan Life Insurance Company and soon shifted to a focus on life insurance. By 1909, MetLife was the nation’s largest life insurer. From 1907 to 2005, the Metropolitan Life Insurance Company Tower was the company’s headquarters in Lower Manhattan. It was the world’s tallest building until 1913. This famous building emanated light for years with the slogan, “The light that never fails,” and it was often featured in MetLife advertisements.

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit Utica National Ins Group Overview and MetLife Auto & Home Overview.

Utica National Ins Group vs. MetLife Auto & Home: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Utica National Ins Group and MetLife Auto & Home. On average, Utica National Ins Group charges approximately $102.74 per month while MetLife Auto & Home comes in at around $ per month. For Utica National Ins Group, the cheapest state average is Virginia at $86.63 per month and the most expensive is Connecticut at $175.01 per month. For MetLife Auto & Home, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

Utica National Ins Group

Average Rate

$102.74
MetLife Auto & Home

Average Rate

$
National

Average Rate

$120.11
State Utica National Ins Group MetLife Auto & Home
Connecticut $175.01 -
Indiana $127.20 -
North Carolina $89.90 -
Virginia $86.63 -

Utica National Ins Group vs. MetLife Auto & Home: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Utica National Ins Group and MetLife Auto & Home typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Utica National Ins Group MetLife Auto & Home
1 Vehicle $93.49 $
2 Vehicles $134.63 $
3 Vehicles $154.79 $

Utica National Ins Group vs. MetLife Auto & Home: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Utica National Ins Group charges $105.74 per month and MetLife Auto & Home charges $0.00 per month for customers who own their home.

Own/Rent Utica National Ins Group MetLife Auto & Home
Own $105.74 $0.00
Rent $101.31 $0.00

What is Utica National and Metlife Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Utica National and Metlife ranked among the industry ratings.

ComparisonUtica NationalMetlife
Year Founded19141868
A.M. Best RatingA-A+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
NAIC Complaint Ratio0.69
S&P RatingAA-

Utica National or Metlife: Insurance Products Offered

What coverage is available through Utica National and Metlife? Both insurance companies offer Auto, Commercial, Home, Motorcycle, and RV insurance. Additional products from Utica National insurance also includes Renters and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Utica National Ins Group and MetLife Auto & Home Insurance page.

InsuranceUtica NationalMetlife
Auto Insurance
Commercial Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Utica National or Metlife: Ways To Save

Metlife offers a wide range of discounts to its policyholders, including Antitheft System, Deductible Savings Benefit, and Driver Training/Defensive Driving Courses discounts. However, Utica National also offers a few discounts that Metlife doesn’t, including Pay in Full, Multi-Vehicle, and Good Student discounts. Start taking advantage of discounts offered by insurance providers like Metlife and Utica National insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Utica NationalMetlife
Airbags & motorized seat beltsAnti-lock Brake Discounts
Annual Mileage DiscountAntitheft System Discount
Anti-lock brakesDeductible Savings Benefit
Anti-Theft DeviceDriver Training/Defensive Driving Courses
Away at School DiscountGood-student Discount
Bundled DiscountMature Driver Discount
Company Car DiscountMulti-car Discount
Electronic Funds TransferMultiple Policy Discount
Electronic stability controlPassive Seat Belt and Air Bag Discount
Go Green Vehicle DiscountRestricted Mileage Discount
Good Student DiscountSafe Driver Discounts
Multi-Vehicle Discount
Pay in Full Discount

Pros & Cons of Utica National & Metlife

Pros

Utica National
  • Utica National Insurance is a financially stable company.
  • The company is one of the largest insurance companies in the United States.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.
Metlife
  • MetLife Auto & Home is a subsidiary of MetLife, the largest life insurance company in the country, which is financially stable.
  • 150 years of experience.
  • No deductible on glass repairs.

Cons

Utica National
  • The company is not considered low-priced by those who have tickets or accidents on their record.
  • Utica National doesn’t offer an online quote. Visit here for online quotes.
Metlife
  • MetLife does not offer accident forgiveness.
  • Mobile app issues.
  • Expensive policies.

Utica National or Metlife Mobile Apps Options

The MetLife Auto & Home Mobile App is available for iOS and Android. With this app, you can pay bills, file claims, view policies and even get a life insurance quote.

Utica National Mobile App
Utica National does not have a mobile app.
Metlife Mobile App
iOS     1.3197 user reviews
Android     1.91,904 user reviews

Utica National & Metlife Contact Info

Utica National Contact Info
Address180 Genesee St, New Hartford, NY 13413
Phone1-800-589-8422
Websitehttps://www.uticanational.com/
Facebookhttps://www.facebook.com/uticanational/
Linkedinhttps://www.linkedin.com/company/uticanational/
Twitterhttps://twitter.com/uticanational
Metlife Contact Info
Address700 Quaker Lane, Warwick, RI 02818
Phone1-900-422-4272
Websitehttps://www.metlife.com/insurance/
Facebookhttps://www.facebook.com/metlife/
Twitterhttps://twitter.com/MetLife
Youtubehttps://www.youtube.com/user/Metlife
Linkedinhttps://www.linkedin.com/company/the-hanover-insurance-group/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates for Free.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.