MetLife auto insurance review

MetLife is one of the largest insurance providers out there, and it offers some special features that can make it especially attractive, like its wide network of company affiliates who offer discounts.

Anna Swartz

By

Anna Swartz

Anna Swartz

Senior Managing Editor & Auto Insurance Expert

Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

Published|2 min read

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Overview

MetLife is one of the most well-established insurance companies in the game, with a wide network of agents and a solid array of offerings as well as some unique features, longer-than-standard policy lengths, that help it stand out from the pack.

As a major carrier, MetLife Auto & Home offers similar coverage options and rates as its competitors. And if you repair your vehicle through one of MetLife’s preferred service providers, MetLife promises “quality repairs,” which often means original manufacturer parts for your car.

As with most of the big insurance carriers, MetLife is accessible to almost all drivers, but you likely won’t get the level of personalized service while filing a claim that you might with a smaller, more specialized auto insurance carrier, which may account for some of the dissatisfaction when it comes to claims.

Pros

  • Available in all 50 states and the District of Columbia

  • Excellent financial stability

  • Group discounts through work for qualified employees

  • Online claims filing

  • 12-month policies

Cons

  • Below average claims satisfaction

  • Unintuitive web experience

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By The Numbers

Founded: 1868

Market Share: 1.12%

A.M. Best rating: A+ (effective April 12, 2019)

Better Business Bureau rating: C-

Consumer Reports rating: 86

J.D. Power Claims Satisfaction rating: 854

State Availability

MetLife auto insurance is available in all 50 states and the District of Columbia

Policy details

As a major carrier, MetLife offers all the standard coverages you’ll find from comparable providers, plus some additional coverages that not every insurer offers. MetLife also offers 12-month auto policies, as opposed to the industry standard six-month policy. An annual auto insurance policy means that your rate is locked in for a whole year instead of up for renewal every six months, which can be a big perk if you don’t want to deal with the possibility of a premium increase.

Standard coverage options

  • Liability protection. Protects you from being on the hook financially.

  • Personal injury protection. This for you and your passengers after an accident.

  • Collision coverage. Covers damage to your car after an accident, no matter who was at fault.

  • Comprehensive coverage. Covers damage to your car (like extreme weather, vandalism, fire or theft).

  • Uninsured and underinsured motorists coverage. Covers the costs of an accident caused by an uninsured driver or a hit and run, or pays for the costs that exceed the coverage amount of an uninsured driver.

Additional coverage and features

  • Rental car coverage. Covers charges from the rental agency if you have an accident in a rental car.

  • Major parts replacement. Pays to replace parts like tires, brakes and batteries after an accident, even if those parts had depreciated in value.

  • Glass repairs without a deductible. If your windshield is damaged, you can get it repaired without having to reach your deductible.

  • Legal defense coverage. Pays legal fees if you’re sued.

  • Custom sound system coverage. Coverage for a custom or aftermarket sound system that you’ve added to your vehicle.

How much does MetLife cost?

The cost of auto insurance varies widely and is determined by a number of factors, including your address, the type of car you have, your driving record, your age, your credit score and how frequently you drive. No matter who you are, MetLife will likely be able to write you a competitive policy.

Below is a sample policy for a year-old Mazda SUV, written for a policyholder who lives in a suburb in a coastal state. The annual premium for the policy is $1,260, slightly below that state’s average annual car insurance expenditure. The MetLife quote was also about $600 less than an auto quote the policyholder received from competitor Plymouth Rock.

Group discounts

MetLife’s group coverage offers discounted rates to employees of MetLife affiliates and, in many cases, insurance payments can be taken directly out of your paycheck. Group coverage is available to employees of a number of Fortune-500 companies, top airlines, the NBA, and several large unions.

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.

Author

Senior Managing Editor & Auto Insurance Expert

Anna Swartz

Senior Managing Editor & Auto Insurance Expert

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Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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