MetLife has been in the insurance industry for over 150 years and today is one of the best-known insurance companies in the U.S. But is MetLife auto insurance the right choice to protect your vehicle?
In this review, we’ll take a look at MetLife auto insurance coverage, discounts, reviews, the company’s reputation, and more. We’ll also see how MetLife measures up to some of the best auto insurance companies in the country.
When shopping for car insurance, we recommend getting quotes from several providers before deciding on coverage. Enter your zip code below to get free quotes from multiple top providers.
MetLife started as a life insurance provider in 1868. The company has built a strong reputation throughout the years and currently offers home and auto insurance as well as health, dental, disability, and vision coverage. MetLife insurance is available in all 50 states and Washington, D.C.
The insurer has a strong industry reputation, holding an A+ financial strength rating from AM Best and a B- from the Better Business Bureau (BBB). These high ratings mean the company has a strong ability to pay out claims and generally works with customers to resolve issues and complaints.
MetLife Auto Insurance Coverage
MetLife offers standard auto insurance coverage, including:
Bodily injury liability: Covers other parties’ medical expenses after an accident you are responsible for
Property damage liability: Covers other parties’ property damage after an accident you are responsible for
Comprehensive: Covers your own vehicle if it’s stolen or damaged in an incident that’s not a collision
Collision: Pays for your car to be repaired or replaced after an accident, regardless of who is at fault
Medical payments (MedPay): Covers medical bills and funeral expenses for yourself and your passengers after an accident, regardless of who is at fault
Personal injury protection (PIP): Covers certain medical expenses, lost wages, and funeral expenses after an accident, regardless of who is at fault
Uninsured motorist/underinsured motorist: Helps cover medical and property damage expenses if the at-fault driver in an accident can’t be identified or does not have proper insurance coverage
If you want more coverage to protect your vehicle, the following optional add-ons are also available through MetLife:
New car replacement: Guarantees coverage for a replacement vehicle if your new car is totaled in an accident
Major parts replacement: Pays for the replacement of major parts such as tires, brakes, and batteries
Glass repairs: Pays for windshield repairs and comes with a $0 deductible
Legal defense cost: Covers your legal fees if you get sued and reimburses you for up to $200 per day for lost wages if you attend a hearing or trial
Lease or loan guaranteed asset protection (GAP) coverage: Pays off your vehicle’s lease or loan balance if it is deemed a total loss after an accident
MetLife also insures specialty vehicles, including recreational vehicles, motor homes, motorcycles, and boats.
MetLife Auto Insurance Cost & Discounts
The cost of car insurance is affected by many factors, including your age, gender, marital status, location, vehicle, and driving record. So, the cheapest auto insurance provider for your neighbor might not be best for you, too. By getting a free quote, you are able to discover what discounts you qualify for to help you save on your policy.
MetLife does not have a full list of available discounts on its website, but it does state that the following discounts may be available in your state if you are eligible:
MetLife Auto Insurance Discount
Available to drivers who have gone at least three years without a violation
Available to drivers who have taken an approved driver’s education course
Available to drivers between the age of 50 and 65
Available to drivers insuring more than one car with MetLife
Available to drivers buying more than one type of insurance (such as home, auto, or renters) with MetLife
Available to drivers who drive fewer than 7,500 miles annually
Available for vehicles equipped with anti-lock braking systems
Available for vehicles equipped with factory-installed air bags and automatic seat belts
Available for vehicles equipped with anti-theft systems such as alarms and wheel-locking devices
Available to student drivers under 25 that maintain good grades – typically a “B” average
To get accurate pricing for MetLife auto insurance, you’ll need to reach out to the company for a quote. We recommend comparing free quotes from multiple providers using our easy tool below.
MetLife Reviews And Ratings
MetLife has a B- rating from the BBB and a customer rating of only 1.38 out of 5 stars. A customer rating this low is not uncommon for large insurance companies with lots of customers, as people are much more likely to report a complaint than compliment a company on a positive experience. Also, the BBB page for the insurer is for all insurance customers, and only a few reviews mention MetLife auto coverage.
The majority of negative MetLife auto insurance reviews have to do with poor customer service experiences and specific issues with customers’ policies. Here are a couple of examples of positive and negative customer reviews:
“I have been dealing with MetLife for about three years and have no complaints… I have found them quick to respond and thorough in their dealings.”
– Carol W. via BBB
“Forty years of having homeowners and automobile insurance and literally MetLife has the poorest customer service. MetLife is a corrupt company.”
– Rod W. via BBB
MetLife has a mobile app designed for customers to access account information, report accidents, pay bills, and more. On Google Play, the app has 1.5 out of 5.0 stars, and nearly every negative customer review is regarding technical difficulties when attempting to use the app.
Our Verdict on MetLife: 87%
Our team rates MetLife auto insurance at 87 percent. The company offers discounts and is available in every state, but its customer reviews suggest poor customer service and a difficult claims process. We recommend that you get a quote from MetLife and compare it to quotes from other top providers so you can get the best coverage for the best price.
Our Recommendations for Car Insurance
After reviewing the top insurance providers in the nation, we found a few companies that stand out for their excellent customer reviews, broad coverage offerings, and affordable prices. Read on to learn more about State Farm and GEICO, or start comparing free quotes from these top providers and more using the tool below.
State Farm: Best for Students
Our team gives State Farm a 95-percent rating overall. The company holds an A+ from the BBB and an A++ from AM Best, which shows that it works well with customers and has strong financial backing.
State Farm also has a number of discount opportunities for customers. Its Drive Safe & Save™ program gives drivers up to 30 percent off for being safe on the road, and the Steer Clear® program is designed to help students save. The insurer also offers a variety of discounts for things like being a new driver and insuring multiple vehicles. To see if the company is right for you, read our full review of State Farm auto insurance.
GEICO: Best Overall
We give GEICO a rating of 96 percent. Like State Farm, it has an AM Best financial strength rating of A++ and a BBB rating of A+.
GEICO also offers a long list of discounts to customers, such as for military members and students. GEICO’s mobile apps are highly rated on Google Play and the App Store and are designed with customer experience in mind. For a closer look at the provider, read our comprehensive GEICO auto insurance review.
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.