Metal Roof vs. Asphalt Shingles (2026 U.S. Guide)
This is the single biggest decision in any U.S. roofing project. Metal lasts 2–3x longer but costs 2–4x more upfront. Here is the honest comparison — without the sales pitch.
Cost comparison
| Roof type | Installed cost (per sq ft) | Total for 1,700 sq ft roof |
|---|---|---|
| Asphalt shingles (3-tab) | $4 – $6 | $7,000 – $10,000 |
| Architectural asphalt | $5 – $8 | $8,500 – $14,000 |
| Standing seam metal | $10 – $18 | $17,000 – $30,000 |
| Metal shingle / stone-coated | $8 – $14 | $14,000 – $24,000 |
| Corrugated metal | $5 – $9 | $8,500 – $15,000 |
Lifespan
- Asphalt shingles: 15–25 years (architectural), 20–30 (premium)
- Metal (standing seam): 40–70 years
- Metal shingle: 30–50 years
- Corrugated metal: 20–40 years
Pros of asphalt shingles
- Lowest upfront cost
- Easiest to repair (any roofer can do it)
- Wide variety of colors and styles
- Quieter in rain and hail
- Insurance may discount less, but nothing extra to worry about
Cons of asphalt shingles
- Shorter lifespan — will need replacement once or twice before a metal roof does
- Granule loss and cracking in hail
- Petroleum-based; less eco-friendly
Pros of metal roofing
- 2–3x lifespan of asphalt
- Reflective — can cut cooling bills 10–25%
- Fire-resistant (Class A) and impact-resistant (Class 4 options)
- Many insurers offer 10–35% premium discounts for Class 4 impact-resistant roofs
- Recyclable at end of life
- Handles snow and hail better
Cons of metal roofing
- High upfront cost (2–4x asphalt)
- Noisier in heavy rain/hail (unless installed over solid decking with insulation)
- Fewer qualified installers — a bad install is a disaster
- Dents from large hail (though not the surface — usually cosmetic)
- Can be slippery when wet
The honest math
If you plan to stay in the home 20+ years, metal wins on total cost. If you plan to sell within 10 years, the resale value of metal rarely covers the extra upfront cost — architectural asphalt is the better choice.
If you live in hail country (Texas, Oklahoma, Colorado, Kansas), metal — especially Class 4 impact-resistant — can pay for itself through insurance discounts and avoided claims.
Frequently asked questions
Does a metal roof raise insurance?
Usually lowers it. Class 4 impact-rated metal roofs qualify for discounts up to 35% in many states. Ask your insurer before choosing.
Can metal be installed over existing shingles?
Sometimes, depending on local code and the condition of the deck. Many installers prefer to tear off for a proper inspection.
Is metal noisy in rain?
Not when installed over solid decking and insulation. Noise complaints are almost always from barns or sheds with exposed metal.
Does metal rust?
Modern metal roofs use galvanized or galvalume steel with protective coatings — rust is rare for 30+ years if installed correctly.
Related guides
All roofing materials · Replacement vs. repair · Hail damage · Repair costs