Metropolitan Group ranks 31st overall nationally, placing it outside the top tier of best car insurance companies. Despite this lower ranking, the insurer shows strength in coverage options and customer experience, earning its best scores in these areas.
Metropolitan Group Car Insurance Review
Updated: September 22, 2025
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Key Takeaways
Metropolitan Group ranks 24th for full coverage affordability and 21st for minimum liability coverage with average monthly rates of $144 and $58 respectively.
Metropolitan Group earns 17th place nationwide for customer satisfaction, standing out due to strong agent service and positive forum reviews from policyholders.
Metropolitan Group secures 12th place for coverage options, offering unique features like accident forgiveness programs and new car replacement coverage for total losses.
Metropolitan Group Car Insurance Ratings
| Overall Score | 3.85 | 31 |
| Customer Experience | 4.35 | 17 |
| Coverage | 2.50 | 12 |
| Affordability | 3.83 | 30 |
Who Is Metropolitan Group Car Insurance Best and Worst For?
Metropolitan Group works best for drivers with bad credit, those with a DUI, drivers with newer cars and coverage-focused customers seeking comprehensive protection. You shouldn't consider them if you're a young driver or a standard adult driver.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 3.95 | 29 |
Metropolitan Group Car Insurance Ratings by State
Metropolitan Group doesn't hold the top position in any state, indicating limited market presence compared to other major insurers nationwide.
| Florida | 4.25 | 5 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
How Much Does Metropolitan Group Car Insurance Cost?
Metropolitan Group car insurance costs vary widely based on your profile, ranging from $156 to $264 monthly. We've analyzed national costs across age groups, gender, coverage levels, credit scores and driving records to help you find the best rates for your situation.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
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Coverage Level:100/300/100,000 - 1000 comp_coll
| $241 | $2,894 | -13% | 18 |
Metropolitan Group Car Insurance Rates by Driver Category
Metropolitan Group ranks as expensive across all driver categories, making it costlier than most cheapest car insurance companies. You'll likely find better rates elsewhere.
| Adult Drivers | $64 | $161 | 32% | 30 |
| Drivers With a DUI | $98 | $239 | 5% | 22 |
| Drivers With an Accident | $89 | $218 | 28% | 27 |
| Drivers With a Speeding Ticket | $64 | $161 | 9% | 24 |
| Drivers With Bad Credit | $90 | $227 | -8% | 20 |
| Drivers With Low Income | $77 | $194 | 25% | 30 |
| Drivers With Newer Cars | $59 | $147 | -9% | 16 |
| Drivers With Old Cars | $48 | $120 | 12% | 23 |
| Senior Drivers | $81 | $202 | 35% | 31 |
| Young Drivers | $125 | $328 | 19% | 26 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Metropolitan Group Car Insurance Rates by State
Metropolitan Group's monthly rates range from $64 to $161 across different states. The insurer ranks among the top five most affordable options in just one state or territory.
| Florida | $64 | $161 | -35% | 3 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Metropolitan Group Car Insurance Discounts
Metropolitan Group offers 14 car insurance discounts, with average savings of up to 12% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Variable | Must have 2+ policies with Metropolitan Property and Casualty | Available nationwide |
Claim-Free | Variable | 5 years without filing a claim | Available nationwide |
Good Student | Variable | Students with 3.0 GPA or higher in high school or college | Available nationwide |
Defensive Driving | Variable | Complete approved defensive driving course | Available nationwide |
Anti-Theft Device | Variable | Vehicle equipped with approved anti-theft devices | Available nationwide |
Mature Driver | Variable | Older drivers meeting age requirements | Available nationwide |
Automatic Payment | Variable | Set up automatic monthly payments | Available nationwide |
Affinity Group | Variable | Membership in qualifying affiliated organizations | Varies by group availability |
Metropolitan Group Car Insurance Customer Reviews and Reputation
Metropolitan Group ranked 17th in overall customer satisfaction in MoneyGeek's comprehensive customer experience study. Customer reviews highlight that the company performs well with agent service and digital tools, though claims processing generates more complaints than other areas.
Buying Process Experience
Customers appreciated the brand recognition and financial stability, but many noted the lack of modern conveniences like instant online quotes or comprehensive comparison tools. The buying experience was traditional, often requiring phone calls or agent visits to complete applications.
Policy Management
Metropolitan Group's website and mobile app received mixed reviews from customers. While basic functions like premium payments were available online, the digital experience lagged behind competitors. Some customers described the website as "poorly rated in terms of responsiveness" and noted that you couldn't process claims through the mobile app.
Claims Experience
Customer experiences with Metropolitan Group claims varied. While some policyholders praised reliable service and timely payments, others complained about poor communication during the claims process.
Metropolitan Group Car Insurance Industry Customer Satisfaction Ratings
Metropolitan Group ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Metropolitan Group's scores from industry agencies.
A.M. Best Financial Strength | A+ (Superior) | A++ to D | Superior ability to meet financial obligations and pay claims | A.M. Best Financial Strength |
A.M. Best Long-Term Credit Rating | aa- | aaa to d | High credit quality with very low credit risk | A.M. Best Long-Term Credit Rating |
S&P Global Financial Strength | AA- | AAA to D | Very strong financial security characteristics | S&P Global Financial Strength |
Moody's Financial Strength | Aa3 | Aaa to C | High quality with very low credit risk | Moody's Financial Strength |
J.D. Power Auto Claims Satisfaction | 886/1,000 (5th place) | 1,000-point scale | Above average customer satisfaction with claims experience | J.D. Power Auto Claims Satisfaction |
J.D. Power Auto Insurance Shopping Study | Not ranked in recent studies | Out of 1,000 | Below average in regions studied | J.D. Power Auto Insurance Shopping Study |
NAIC Auto Complaints | 1 | 1.00 is average | Average complaint rate relative to market share | NAIC Auto Complaints |
Metropolitan Group Car Insurance Reddit and Forum Customer Satisfaction
Metropolitan Group customers across Reddit and online forums highlight the agency's personalized service approach and multi-carrier quote comparisons. Experiences vary depending on individual agents and the specific insurance companies they recommend.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Initial quotes from Metropolitan Group often competitive due to their ability to shop multiple carriers, but some customers question whether independent agencies add markup to premiums:
"Metropolitan Group found me coverage $200 cheaper than going direct to the insurer, but I always wonder if I'm paying extra for their commission - still worth it for the service though."
Claims Processing
Claims experiences depend entirely on which insurance company Metropolitan Group placed the customer with, leading to mixed feedback about the agency's role during claims:
"When I had to file a claim, Metropolitan Group walked me through everything and even called my insurer on my behalf. Made the whole process way less stressful."
Customer Service
Agent availability and responsiveness receive generally positive feedback, though quality varies:
"My agent at Metropolitan Group always answers when I call and explains things in plain English. I've tried the big direct companies before, but having someone who knows my situation personally makes a huge difference."
"Getting quotes was fast, but when I had questions about my policy six months later, my agent seemed too busy to really help - had to figure things out myself."
Digital Experience
Metropolitan Group's online presence focuses more on agent contact than self-service tools:
"Their website helped me connect with an agent quickly, but I can't manage my policy online like I could with GEICO - everything goes through my agent."
Trust and Reputation
Customer trust centers on individual agent relationships rather than the Metropolitan Group brand, creating inconsistent experiences:
"Metropolitan Group agents know the local market really well and steered me away from a cheap policy that would've left me underinsured. They actually care about getting you proper coverage."
Coverage Options
Access to multiple insurance companies gives Metropolitan Group flexibility, but some customers report feeling overwhelmed by choices or pushed toward specific carriers:
"Metropolitan Group showed me options from five different companies and explained why each might work for my situation. Way better than just getting one quote from State Farm's website."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Metropolitan Group Car Insurance Coverage Options
Metropolitan Group provides standard coverage like other top insurers, including liability, comprehensive and collision protection. The company also offers these additional add-ons:
Nationwide Savings Bank | Rewards safe drivers with a deductible that decreases by $50 each year of accident-free driving, up to $500 | Can reduce deductible to $0; typically $20 monthly premium |
New Car Replacement | Pays to replace your totaled new car with a brand-new vehicle of the same make and model | Available for vehicles less than 15 months old with under 15,000 miles |
Custom Parts & Equipment (CPE) | Covers aftermarket modifications, custom equipment and enhanced sound systems | Up to $1,000 coverage, typically for $6 monthly |
Accident Forgiveness | Prevents your rates from increasing after your first at-fault accident | Usually requires 5+ years of accident-free driving with the company |
Roadside Assistance | Provides 24/7 help for flat tires, dead batteries, lockouts and towing | Covers towing up to 20 miles; enhanced options available |
Other Metropolitan Group Insurance Coverage Options to Consider
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Directly Offered by Metropolitan Group | Auto Insurance, Homeowners Insurance, Renters Insurance, Condo Insurance, Motorcycle Insurance, RV/Trailer Insurance, Boat Insurance, Commercial Auto Insurance, Commercial Business Insurance (select lines), Umbrella Insurance |
Offered by a Third Party Partner | Flood Insurance, Pet Insurance, Life Insurance, Travel Insurance, Identity Theft Protection, Dental Insurance, Vision Insurance, Health Insurance, Jewelry Insurance, Wedding/Event Insurance, Phone Insurance |
Metropolitan Group Auto Insurance Review: Bottom Line
Metropolitan Group excels in affordability, customer experience and coverage. But we recommend you compare quotes from insurers, do your own research and decide on coverage needs.
Metropolitan Group Car Insurance Reviews: FAQ
Below are MoneyGeek's expert answers to frequently asked questions about Metropolitan Group car insurance:
Does Metropolitan Group insurance have a good reputation?
Yes, Metropolitan Group is a legitimate car insurance company that ranked 31st overall in our comprehensive car insurance provider analysis. The insurer particularly excels in coverage options, where it earned 12th place among all providers we evaluated.
Where is Metropolitan Group the best car insurance company?
Metropolitan Group is a top five option for car insurance in Florida.
How much does Metropolitan Group car insurance cost on average?
Adults pay an average of $712 annually for minimum coverage and $1,749 for full coverage through Metropolitan Group. Annual premiums range from $699 to $2,969 for minimum coverage and $1,734 to $7,492 for full coverage.
Is Metropolitan known for denying claims?
Customer feedback suggests Metropolitan Group faces criticism for claim denials, with policyholders reporting rejected claims for various incidents and frustrating experiences with their claims process.
Note: This represents limited information based primarily on forum reviews.
Is Metropolitan a good option for high-risk drivers?
No, Metropolitan Group isn't a strong choice for most high-risk drivers, including drivers with bad credit and offering limited regional availability.
Does Metropolitan Group raise car insurance rates over time?
Yes, Metropolitan Group raises car insurance rates over time due to inflation impacting repair and medical expenses, plus increased claims from distracted driving and severe weather.
Is Metropolitan Group good for young drivers?
Metropolitan Group isn't the best choice for young drivers. The company ranks low for affordability among the insurers we reviewed, making it expensive for an age group that already pays high premiums.
How We Rated Metropolitan Group Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.