Comparison
Metal Roof vs Shingle Roof
Compare metal roofing and asphalt shingles on cost per square foot, lifespan, wind rating, insurance discounts and energy savings.
Verified August 2026
Metal or Asphalt shingle?
Metal wins for most homeowners
Metal costs about twice as much installed but lasts two to three times as long, carries higher wind ratings and often earns an insurance credit. Shingles win purely on up-front price and repair simplicity.
Head to head
| Factor | Metal | Asphalt shingle |
|---|---|---|
| Installed cost per sq ft | $11 – $18 | $5.50 – $9 |
| Lifespan | 40 – 70 years | 15 – 25 years |
| Wind rating | Commonly 140 – 180 mph | Typically 110 – 130 mph |
| Insurance impact | Often qualifies for wind mitigation credits | Standard rating |
| Energy performance | Reflective; can cut attic heat gain 10-25% | Absorbs more heat unless cool-rated |
| Repairability | Panel replacement requires a specialist | Any roofer can patch quickly |
| Noise | Audible rain on low-deck installs | Quiet |
Which should you choose?
Choose Metal if…
- • You plan to keep the home long term
- • You are in a high-wind coastal zone
- • You want the last roof you will ever buy
Choose Asphalt shingle if…
- • You need the lowest cost replacement now
- • You may sell within 5-7 years
- • Your HOA restricts metal roofing
Frequently asked questions
Does a metal roof lower insurance in Florida?
It can. A properly documented metal roof with a high wind rating and correct attachment often earns wind mitigation credits, though the amount varies by carrier.
Is a metal roof worth it?
Over a 40-year horizon metal is usually cheaper because you avoid one or two full shingle replacements. Over a 10-year horizon it rarely pays back.
Sources
Sources & verification
Last verified August 2026. Cost figures are modeled estimates based on national baselines adjusted for local labor and material pricing — they are not quotes. Permit rules change; confirm with the building department before starting work.