MetLife offers excellent auto insurance coverage and reasonable pricing, but customers have been less than impressed with the service they’ve received.
Based in New York, MetLife Insurance company is mostly known for selling workplace insurance policies. It also offers auto insurance coverage (through a network of agents) with coverages that are hard to find through other auto insurers. Some of MetLife’s unique auto insurance coverage offerings include:
- Gap coverage insurance
- Legal fee coverage
- New car replacement
- Sound system coverage
- Special car parts replacement
- Usage-based insurance
Compare Affordable Car Insurance Rates
Though MetLife scored lower in JD Power’s 2019 customer satisfaction survey, receiving only middling scores in overall customer satisfaction, there is still plenty to love about MetLife’s insurance offerings that make it worthwhile to get a quote.
MetLife Insurance Overview
|Price||Varies by location, vehicle and other factors|
|Best for||New car owners|
|Not for||People who place a high value on customer service|
Defensive driving course
Student away at school
|In business since||1868|
|Better Business Bureau rating||A+|
|AM Best rating||A+ Superior|
|Standout features||Deductible savings benefit
New car replacement
Custom sound system coverage
No deductible for glass repairs
Special car parts replacement
MetLife insurance rates
MetLife Insurance strives to provide quality auto insurance at an affordable rate. Its customer service is available 24/7 to answer questions and its online and mobile tools give you convenient access to your policy wherever you go.
|Annual premium cost||$25K/$50K/$10K
(State minimum coverage)
You won’t know how much your auto insurance is going to cost you until you get a quote. Insurance premiums are personalized for you, taking factors like your age, driving record, vehicle and address into account. While all insurers look at the same information, every company weighs it slightly differently, which is why you end up with such variance in quote prices.
You should compare quotes from several companies before making a purchase, but don’t choose a company based on price alone. Make sure you go with a company that’s financially stable and is known for efficient claims handling. This is worth paying a little extra because it’ll save you a lot of stress when you need to file a claim.
The Simple Dollar’s MetLife Auto Insurance review
MetLife goes beyond the basic auto insurance coverages to offer extras, like custom sound system and gap coverage, that are hard to find elsewhere. It also offers new car replacement for vehicles less than a year old and glass repairs without a deductible. If you get sued as a result of an auto accident, MetLife will even pay your legal fees.
MetLife coverage options:
- Gap coverage: This coverage pays the balance of your lease or loan if your vehicle is totaled in an accident. Most insurers only pay the actual value of your car, which may not be enough to cover what you owe. If you have a lease or loan on your vehicle, you may want to consider adding gap coverage to your policy.
- Coverage for rideshare drivers:MetLife offers auto insurance to Lyft and Uber drivers, filling in the missing gaps left by traditional auto insurance to ensure these drivers are protected while working.
- Legal defense coverage: If you’re sued in connection with a car accident, MetLife will pay for your legal defense and reimburse you up to $200 per day for lost wages.
- Custom sound system coverage:If you have a custom sound system installed in your vehicle, you can purchase additional coverage to protect this. Most insurers we looked at in our MetLife car insurance reviews don’t offer this option, so if it’s something you’re interested in, MetLife is worth a closer look.
- Protection against identity theft:: MetLife is one of few auto insurers to offer optional identity theft protection coverage. This pays for lost wages, legal fees and other expenses associated with restoring a stolen identity.
MetLife Auto Insurance discounts
Compared to most auto insurers, MetLife insurance company doesn’t offer many ways to save. There are a few basic discounts, like multi-policy and claim-free discounts, but it’s missing other common options, like anti-theft device and automatic payment discounts. Here are some discounts MetLife does offer.
- Savings for good drivers: Every year you don’t have an accident, MetLife will lower your collision and comprehensive deductible by $50, up to a maximum benefit of $250. This is half of the savings that most companies with vanishing deductible offer. However, the majority of insurers don’t provide this benefit to begin with, so it’s still something to be happy about.
- Association discounts: MetLife offers excellent rates to members of its partner associations, including companies that offer MetLife insurance as an employee benefit.
Compare Affordable Car Insurance Rates
To get a quote, users enter their zip code and answer a few quick questions about their personal history. Using this information, MyDirect offers three options based on the level of coverage that a buyer is interested in having. From there, you can pick the coverage that best fits your needs, customize it as needed and check out with nothing more needed than an e-signature. In all, the process only takes a couple of minutes.
Users can also set up their accounts so that they can make policy changes without ever needing to contact a MetLife representative over the phone. This allows them to change the level of coverage or their premiums remotely.
Other unique features
- Major parts replacement:. MetLife will replace major vehicle parts — such as tires, batteries and brakes — with new ones, regardless of their current condition. Most companies only pay the actual value, which after factoring in depreciation may not cover the total cost of a new part. With MetLife, you won’t have this problem.
- New car replacement: If your car is less than a year old and has less than 15,000 miles, you qualify for new car replacement. If your vehicle is totaled, MetLife will pay to get it replaced without factoring in depreciation.
- No deductible on glass repairs: If a rock flies up and chips your windshield, you can get it fixed without paying a deductible. This coverage comes standard with its auto insurance policies.
- Help if your car breaks down: MetLife offers roadside assistance and towing and labor coverage as optional add-ons to assist you if your car breaks down. And if your vehicle is going to be in the shop for a while, MetLife can also help you cover the cost of renting a vehicle in the meantime.
MetLife offers three mobile apps for Android and iOS devices that allow you to view your policy documents and pay your bill. If that’s not enough, a customer service agent is always just a click away.
- MetLife App: The flagship app from MetLife allows you to manage every aspect of your MetLife policy all in one place. Users can upload information for auto claims, access information related to their dental plans and find a vision provider near them.
- MyJourney: MetLife’s MyJourney program helps you drive more safely while providing you savings in the process. Upon signing up, you receive a one-time enrollment discount of up to 10%, and after renewing, can receive an adjusted discount of up to 30% based on your safe driving score. This score is calculated by the app, which runs in the background on your phone and highlights areas where your driving habits can improve to help make you a safer driver. App currently available in: CT, DE, IA, ME, MI, MN, ND, NJ, UT, WI.
- MetLife Infinity App: MetLife Infinity is a powerful app to help you capture and securely store photos, videos, audio and important documents, all in one place. The app allows you to upload photos and videos and share them with family and friends at key milestones now or at any time in the future. The app is also handy for digital cloud-based storage of important documents such as birth certificates, passports, and everything in between.
Progressive: This provider turned out to be my lowest quote, and it’s known for its consistently affordable pricing. Like MetLife, Progressive offers gap coverage, which is a nice option to have if you still have a lease or loan on your vehicle. Its customer satisfaction ratings aren’t stellar, but it outperformed MetLife in most regions.
Allstate: It has the most extensive list of discounts of any company on this list, but despite that, Allstate was my most expensive quote. Allstate may be a good choice for you if you’re looking to be rewarded for your safe driving, though. It offers extras like a vanishing deductible and Safe Driving Bonus Check that you won’t find with most insurers. It also has a claim satisfaction guarantee, which will give you a refund if you’re dissatisfied with the way your claim was handled.
State Farm: This is one of the best insurance providers in the industry in terms of customer satisfaction. State Farm’s rates may not be as low as some of the companies on this list, but they’re generally reasonable. There aren’t as many optional coverages to choose from, but if you’re looking for a standard auto insurance policy to cover all the basics, State Farm is hard to beat.
Geico: This is another company known for its low rates, so it’s a good choice for anyone on a budget. It also has a ton of vehicle and driver discounts, which could help you save even more. In terms of customer service, Geico received mixed reviews, but it still outscored many of its competitors, including MetLife, Geico and Allstate.
What others are saying
Here is some information from other MetLife insurance reviews:
- Bloomberg has reported that MetLife is being sued over an alleged gender pay gap and sexist comments. The suit is a product of allegations that surfaced from a former executive who claims that she suffered years of harassment and pay discrimination, ultimately culminating in her being fired after speaking out about the company’s lack of diversity.
- Auto Insurance News reports that MetLife has partnered with Hyundai to provide a “New vehicle subscription insurance and maintenance program bundled into one monthly bill, and the insurer predicts the program is cheaper than if consumers bought their auto insurance separately.”
- CNET reported on MetLife’s entrance into the ridesharing market back in 2014. It partnered with Lyft to provide its drivers with comprehensive protection while they are working for the ridesharing service. Lyft released a statement announcing this partnership: “In the coming months, we will work together with MetLife Auto & Home to develop insurance solutions that further protect Lyft’s drivers and passengers when utilizing this new sharing economy platform.”
- Business Wire ran a press release about MetLife’s new SnapQuote program to, “pinpoint the best available quotes from MetLife Auto & Home and other high quality home and auto insurance providers based on factors like cost and coverage.”
The bottom line
MetLife offers solid auto insurance coverage and reasonable rates. Despite its average customer satisfaction ratings, it’s worth taking the time to get a quote to see what kind of a deal MetLife Insurance can offer you.
Compare Affordable Car Insurance Rates