MetLife Auto Insurance Review: Quotes and Service (2022)

MetLife offers policies through its parent company, Farmers, and has a below-average MoneyGeek score of 60 out of 100. While MetLife scored highly in financial stability and complaints, it is below-average for affordability and discounts. On average, MetLife is expensive for most drivers but has unique add-on options like original equipment manufacturer (OEM) coverage that’s beneficial to some drivers.

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Last Updated: 3/2/2022
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2/5

discounts

4/5

complaints

3/5

satisfaction

4/5

stability

1.9/5

affordability


pros

This is an iconAvailable in 44 states
This is an iconMultiple coverage add-ons, including new car replacement and OEM coverage
This is an iconMany discounts available, like bundling, multiple car, good student and safe driving

cons

This is an iconExpensive for most drivers
This is an iconAverage customer service rating
This is an iconDoesn’t offer gap insurance or better car replacement

Verdict

MetLife has an average customer satisfaction rating and an above-average score for complaints. MetLife policies are typically more expensive compared to other providers, resulting in a below-average affordability rating.

You can learn more about MetLife and other insurers by reading MoneyGeek’s resources on the cheapest car insurance companies and the best car insurance companies. You can also use MoneyGeek’s auto insurance company comparison tool to see how MetLife stacks up against other insurers in your state.

How Does MetLife Rank for Customer Service?

MetLife scores highly on financial strength ratings, which reflects well on its ability to pay legitimate claims without issue. However, their ratings are usually average or below average for the quality of customer service. According to J.D. Power, MetLife auto insurance rates about average on a national level while consistently rating below average in many regional markets. While their features and discounts set them apart, some of the best car insurance companies in the country offer more attractive options.

Customer Satisfaction Rating

First Notice of Loss:
4/5
Estimation of Process:
4/5
Repair Process:
5/5
Claims Servicing:
4/5
Rental Experience:
4/5
Settlement:
4/5

According to data provided by J.D. Power, MetLife earns a customer satisfaction rating of 817 out of 1,000 points. Considering that the industry average is 835, MetLife's reputation lags behind many of its competitors in this area. J.D. Power's data also informed these star ratings, allowing you to see how they rate in several specific categories.

Customer Complaint Ratio

MetLife

The National Association of Insurance Commissioners (NAIC) is a regulatory body that evaluates customer service standards. It monitors the total number of complaints received by an insurance company and compares the median number of complaints against the national average value of 1.00. MetLife receives a score of 0.89, indicating slightly better-than-average complaint numbers. Most complaints appear to result from difficulties with the claims process and unexpected fees.

MetLife Auto Insurance Quotes: How Much Does it Cost?

MoneyGeek collected average quotes in every state for a sample driver. The MetLife quotes from the 44 states it is available in were averaged for this sample driver, and MoneyGeek’s analysis found the company is expensive at an average annual cost of $1,686.

MetLife is relatively expensive for our sample driver, whether with full coverage, minimum coverage or a speeding violation. For a young driver, it is moderately priced.

If you are looking for affordable car insurance, shopping around and comparing quotes from different providers helps you get the best rate. However, it is important to consider other factors such as quality of service before settling on an insurer.

Average Annual Cost of Car Insurance with MetLife versus National Average

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  • Driver Type
    MetLife Average Rate
    National Average
  • Full Coverage
    $1,686
    $1,389
  • Minimum Coverage
    $953
    $733
  • Speeding Ticket on Record
    $2,084
    $1,785
  • 18-Year-Old Driver
    $6,411
    $4,908

Is MetLife Car Insurance Expensive or Cheap? Why?

MetLife is typically expensive for most types of drivers. Compared to other auto insurers, MetLife charges higher rates for full coverage, minimum coverage and a speeding violation. For a teen driver (18-year-old), MetLife is neither expensive nor cheap.

While MetLife’s rates are high for many drivers, young drivers may benefit from a MetLife policy because it is moderately priced.

Insurance company rating calculations are not transparent. Most insurers, including MetLife, charge higher rates for drivers with a poor record that includes a violation since they are in a high-risk category.

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Discounts Offered by MetLife That Can Help You Save

MetLife offers policyholders a wide range of discounts that you can take advantage of to lower your car insurance costs. MetLife offers all of the most common auto insurance discounts, including bundling, multiple car, defensive driving, good student, safe driving, anti-theft system, pay in full** and paperless billing.

MetLife policyholders can also get unique discounts, such as for not having any late fees assessed over 12 months and if you are 55 or older and have recently completed a state-approved safe driving course.

Compare MetLife Directly With Other Car Insurance Companies

If you would like to compare MetLife to other car insurance providers and see how it ranks for customer service, cost and standout coverages, use MoneyGeek’s comparison tool. You can also access other resources using our comparison tool for a comprehensive comparison of MetLife to other insurers in your state.

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Does MetLife Offer Broad or Unique Coverage?

MetLife offers the standard coverages offered by most auto insurers, such as liability insurance and comprehensive and collision insurance. You can also enhance your MetLife policy with common add-on coverages, including roadside assistance, rental car reimbursement, accident forgiveness and new car replacement.

However, MetLife does not offer gap insurance coverage, better car replacement or deductible modification.

As a MetLife policyholder, you can get unique coverages, including original equipment manufacturer (OEM) coverage, custom parts coverage and glass deductible modification coverage.

For cars less than 10 years old, OEM coverage ensures the use of factory-original parts for repairs. The glass deductible modification coverage reduces the comprehensive deductible to $100 for glass damage, which benefits drivers who live in areas that have extreme weather like hailstorms.

What Online Auto Insurance Tools Does MetLife Offer?

MetLife auto insurance brings to the table a good financial standing, unique features and a variety of discounts. Of particular note is its rental, towing and labor coverage, as well as its roadside assistance. While shopping for car insurance, it is important to look out for the best balance of costs, coverage options and features.

  • Type of Feature
    Description
  • Online Price Quotes
    MetLife offers an online quote system through its website and mobile app. The policy application can also be completed online.
  • Online Bill Pay
    Customers have the option of conveniently paying bills online.
  • Online Claims
    Filing a claim online is easy through the website or mobile app.
  • Mobile App
    Their mobile app offers a robust experience. Customers can alter their policies, file claims and pay premiums directly through the app.

Other MetLife Insurance Products

MetLife also offers life insurance and home insurance products in addition to their auto insurance coverage. You can receive additional discounts by bundling your auto insurance with other MetLife policies.

  • Type of Product
    Description
  • Homeowners Insurance
    This is a policy that you can customize to cover your home, personal property, loss of use, personal liability and more.
  • Life Insurance
    Insure your life to provide your loved ones with death benefits.
  • Health Insurance
    MetLife offers health insurance independently and through employers.
  • Recreational Vehicle Insurance
    This coverage includes comprehensive insurance for recreational vehicles like boats, motorcycles, snowmobiles, ATVs and dirt bikes.

Financial Strength

AM Best issues scores to insurance companies based on their financial strength. This is an indicator of their ability to pay claims. MetLife received an A+ rating. While this is not a warranty for policyholders, it denotes excellent financial strength.

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How to Make a Car Insurance Claim With MetLife

MetLife operates a 24/7 toll-free number that you can call to file an insurance claim. Claims can also be filed through the website and mobile app with the proper details. When filing a claim with only minor damage, you might get an estimate and payment in a matter of hours.

Contact MetLife Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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