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
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.
