MetLife Auto Insurance Review

Though MetLife scored lower in J.D. Power’s 2020 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.

J.D. Power Rating
3/5
AM Best Rating
A+
Standard & Poor’s
AA-
SimpleScore
4 / 5.0
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SimpleScore MetLife 4
Discounts 2
Coverage 5
Customer Satisfaction 3
Support 5
Accessibility 5
  • Established American company
  • Seeks to remain competitive
  • Good coverage options
  • Poor customer satisfaction
  • Not the cheapest rates

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    In this article

      MetLife has been around for nearly 200 years and used to have Snoopy as a mascot. It used to offer soldiers in the Civil War life insurance, and it now offers comprehensive auto insurance coverage to everyone.

      MetLife consistently combines the family manner of caring with the latest technology to get the best coverage for its customers.

      For rating auto insurance companies, we’ve created the SimpleScore — our proprietary scoring metric. SimpleScore devises auto insurance scores based on discounts, coverage options, support, customer service, fees and accessibility.

      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

      MetLife auto insurance at a glance

      In businessSince 1868
      States served50
      Best forNew car owners
      Not forPeople who place a high value on customer service
      Standout featuresDeductible savings benefit
      Gap coverage
      New car replacement
      Custom sound system coverage
      No deductible for glass repairs
      Special car parts replacement
      Usage-based insurance
      Available bundlesHome, auto, life and health

      [ Read: What’s the Average Cost of Car Insurance in the US? ]

      What we like about MetLife auto insurance

      Beyond basic auto insurance

      MetLife offers unique extras most other auto insurance companies don’t have. Gap coverage and custom sound systems are allowed under its policies. MetLife also offers to reimburse legal fees if you are sued after an accident.

      Rideshare drivers get coverage

      Uber and Lyft drivers are covered while working. Many people make extra money or their main living offering rideshares. MetLife is one of the only auto insurance companies to offer rideshare insurance.

      Things to consider

      Spotty customer satisfaction

      J.D. Power’s 2019 review of MetLife’s auto insurance customer satisfaction was not favorable. J.D. Powers uses a Power Circle Rating after a thorough study aggregates all information.

      Show them the money

      MetLife auto insurance consistently offers the best prices to the customers with the highest credit scores and brand new cars. Only when a customer comes has a 600 credit score range or higher does MetLife come close to auto insurance titan Geico for a reasonable premium.

      MetLife Auto Insurance vs. the competition

      Low prices and gap coverage make Progressive a contender against MetLife.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Progressive 4.2
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 4

      This provider turned out to have the 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.

      Plenty of discounts and safe driving rewards make Progressive a good choice for safety-savvy drivers.

      J.D. Power Rating
      5/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA-
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Allstate 4.2
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      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. 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.

      High marks on customer satisfaction are State Farm’s bread and butter, but if you’re looking to snag a low premium be wary.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4.4 / 5.0
      close
      SimpleScore State Farm 4.4
      Affordability 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      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’s low rates and excellent discounts can help you save even more on your premium.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA+
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore GEICO 4.2
      Discounts 4
      Coverage Options 4
      Customer Satisfaction 4
      Support 4
      Accessibility 5

      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.

      [ Read: Best Car Insurance Companies ]

      MetLife auto 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.

      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.

      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.

      [ Read: Best Cheap Car Insurance Companies ]

      MetLife’s auto insurance coverage 

      • 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.
      • 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 auto insurance discounts

      Compared to most auto insurers, MetLife insurance 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 devices 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.

      Bundle discounts

      MetLife offers bundles when you have more than one vehicle to insure, as well as when you stick with it for other coverage (such as home insurance, life insurance, renters insurance or health insurance).

      Good student discounts

      MetLife provides discounts to students who maintain a B average or higher. To qualify for this discount all you need to do is just send in a copy of your grades.

      Group insurance discounts

      You can get an average of 10 percent off or more if you own a business with business-owned vehicles.

      [Read: Low Income Car Insurance]

      How to submit an auto insurance claim with MetLife

      You can call 1-800-854-6011 year-round, day or night, and an agent will walk you through your claim process.

      MetLife auto insurance online and mobile app 

      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. The app is currently available in Connecticut, Delaware, Iowa, Maine, Minnesota, Michigan, North Dakota, New Jersey, Utah and Wisconsin.
      • MetLife Infinity App: MetLife Infinity is a powerful app to help you capture and securely store photos, videos, audio and important documents 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.

      Compare Affordable Auto Insurance Rates

      Save money on auto coverage with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        MetLife home, auto, health and life

        MetLife covers virtually all of your insurance needs, including auto, home, health, life and personal liability.

        • MetLife home insurance: MetLife’s home insurance has guaranteed replacement cost coverage, impressive financial strength, basic coverage, identity theft coverage and scheduled personal property insurance. It also offers a few discounts such as home safety features, bundling and group discounts.
        • MetLife renters insurance: Renters insurance doesn’t cover the building you live in but your possessions. Electronics, jewelry, significant collections, furniture and other prized collections are covered and customized to your needs. In case of a fire, vandalism or other disasters, it can be an incredible help. MetLife offers some excellent add-ons.
        • MetLife health insurance: MetLife offers High High Deductible Health Plans (HDHP) best suited for those in good health with no dependents. There is also the Preferred Provider Organization Plans (PPO), which is best for those with existing health conditions or dependents. Much like any other policy with this company, it can customize it to your needs.
        • MetLife life insurance: MetLife offers life insurance coverage through workplaces, so you’ll find them through your employer. It offers term life insurance and permanent life insurance. It even has a feature called MetLife Advantages, which offers workplaces benefits that include grief counseling, travel assistance and will preparation, to name a few.

        MetLife in the news

        • A former senior vice president of MetLife was sued for gender discrimination. According to Reuters, Mona Moazzaz, the ex-chief administration officer, filed a federal lawsuit in May of 2019 offering ample evidence of the alleged exclusionary, often prejudiced corporate nature of MetLife. 
        • MarketWatch reported in August of 2020 that MetLife’s profits fell again in the second quarter. Wall Street expected a better report on earnings. 
        • Business Wire announced on August 20, 2020, that MetLife is partnering with Barnum Financial, a wealth management company. The partnership will help them provide financial education to workplaces all over the United States.

        We welcome your feedback on this article and would love to hear about your experience with the car insurance companies we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

        Methodology

        SimpleScore

        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.

        Support

        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Nicky LeMarco

        Contributing Writer

        Nicky LaMarco is a business and finance writer who has written for Interest, Bizfluent and Houston Chronicles.

        Reviewed by

        • Nashalie Addarich
          Nashalie Addarich
          Editor

          Nashalie Addarich is an editor for The Simple Dollar. She recently made a career switch from the legal field, where she was an attorney in Washington, DC. In her free time, she enjoys learning new languages. You can also find her editorial work on Reviews.com.