Metlife Auto Insurance Ratings
Product
Auto
Overall
84.22
out of 100
| Product |
HOW WE WEIGH OUR SCORE
Price
35%
Customer service
25%
Claims
20%
Website and app
10%
Renew/Recommend
10% | Claims Processing | Customer Service | Value for Price | Website and Apps | % Who Would Recommend to a Friend | % Who Plan to Renew | WHAT IS THIS RATING? A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations. A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company. October 31, 2019 |
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AM Best Financial Strength RatingsOctober 31, 2019
A
Other Companies to Consider:
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Reasons for Buying from Metlife
Customers of Metlife originally decided to purchase from the company for these reasons:
| Offered best price | 34% |
| Reputation | 22% |
| Recommended by friend or family member | 13% |
| Saw TV commercial | 10% |
| Saw online ad | 8% |
| Financial Strength rating | 5% |
| I had other insurance with this company | 4% |
| Was the company my parents had | 3% |
| The company website and mobile apps are easy to use and helpful | 1% |
How likely are you to recommend this company to a friend, coworker or family member?
Would you renew?
Website and Apps
How easy to use and how helpful they are
35%
Completely satisfied - Gives me what I want and more.
32%
Satisfied - Fulfills my needs okay.
18%
Neutral - No good or bad feelings on this.
8%
Never visited or used website or mobile app.
7%
Not Satisfied - Is not a good website or app.
0%
Very unsatisfied - Their digital offerings are not good at all or nonexistent.
How You Prefer to Deal with Insurers
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About MetLife
Types of auto coverage
- Auto
- Ridesharing endorsement
- Motorcycle
- RV
- Boat
Additional policies offered
- Homeowners
- Renters
- Condominium
- Mobile home
- Umbrella liability
- Life
- Dental
- Disability
- Financial products such as annuities, IRAs and mutual funds
Best Auto Insurance Companies 2020: How Metlife Auto Insurance Stacks Up
Metlife received tenth place in 2020 with an overall score of 84.22. Its highest ranking was seventh place for value for price with a score of 80.6. In the category of claims service, it ranked ninth with a score of 89.13. Though it ranked fourteenth for customer service, MetLife’s score of 84.8 was less than a point behind the three preceding carriers. Eighty-three percent of those surveyed said they’d recommend MetLife to others and 94% would renew their current auto policy with the company.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of MetLife Auto Insurance's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, MetLife (NAIC# 26298) had a complaint ratio of 1.06 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Life and Limb
The company began in 1863 when a group of New York businessmen formed the National Union Life and Limb Insurance Co. to insure Civil War sailors and soldiers against wartime-related disabilities. In 1868, the company dropped the casualty business and focused exclusively on life insurance becoming the Metropolitan Life Insurance Co.
It now has nine affiliate personal lines insurance companies of which MetLife Home & Auto is the flagship. MetLife Auto writes policies in all 50 states and the District of Columbia.
Consider Metlife for all-in-one policies
MetLife offers a GrandProtect policy, which allows you to combine your home, valuable items, autos, RVs, and boats into one comprehensive policy package. You receive one bill and have only one deductible. It might be a good fit if you’re looking to insure multiple assets or have complex insurance needs. It could also be good for those looking to obtain a higher amount of coverage – going beyond standard policies.
Contact information
200 Park Avenue
New York, New York 10166
212-578-2211
Claims: 1-800-854-601
Customer service: 1-800-638-5433
Coverage Options
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement
If you total your car the insurer will pay for a new car.
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver
Discount for no accidents or traffic violations, usually for three or five years.
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
"Am happy with company services."
-Age 18-36, Alabama
"I am very impressed by how expedient their process is. I plan on using this company now that I am in a position to buy life insurance and am recommending it to family members for all of their insurance needs."
-Age 18-36, Arizona
"It's excellent and conventional for my needs"
-Age 18-36, Arizona
"It is a company that offers security to its customers"
-Age 18-36, California
"Serious company with many benefits"
-Age 18-36, California
"Strong social responsibility, friendly customer service!"
-Age 18-36, California
"The company is responsability, honest, always concerned with the customer"
-Age 18-36, California
"Is good company and aware of its customers' needs"
-Age 18-36, California
"I love this company"
-Age 18-36, Florida
"Is good company with excellent service"
-Age 18-36, Florida
"Have good coverage at a good price"
-Age 18-36, Florida
"Affordable quick and easy to start coverage"
-Age 18-36, Georgia
"I am happy with Metlife as my insurance provider."
-Age 18-36, Idaho
"I think they are very reliable."
-Age 18-36, Illinois
"I would always recommend them for their prompt and precise attention."
-Age 18-36, Illinois
"Always willing to help and I know everything is taken care of"
-Age 18-36, Iowa
"I like them because they offer paycheck deductions through my company and they offered the best prices."
-Age 18-36, Kentucky
"I would share that they have free glass replacement for each vehicle once a year...this is the cheapest company I have found that offered such a great thing"
-Age 18-36, Maine
"It is very good, especially with my car. When I got into a minor motor vehicle accident, they helped with the cost of the repairs, etc."
-Age 18-36, Maryland
"Good company"
-Age 18-36, Michigan
"Good service and fast resolutions of problems"
-Age 18-36, Nevada
"I give it high marks in all categories because it's awesome"
-Age 18-36, New York
"They give the best service"
-Age 18-36, New York
"Great customer service and plenty of skills"
-Age 18-36, New York
"Has good coverage and customer service"
-Age 18-36, New York
"They are fast when responding to requests and provide good customer service."
-Age 18-36, New York
"I was very anxious looking for a good plan and suddenly on my walks with my pet I saw a leaflet on Metlife insurance and then contacted them and got my policy which I am very happy with."
-Age 18-36, New York
"Is better than others company"
-Age 18-36, New York
"It is a really reliable company that cares about its customers."
-Age 18-36, New York
"It's a great company"
-Age 18-36, New York
"Reliability, coverage, customer service, experience."
-Age 18-36, New York
"My agent has handled this well and I like his reliability with people."
-Age 18-36, New York
"There are a great people that work for this company"
-Age 18-36, New York
"They are easy to reach and talk to, they provide top customer service and you feel in a very respected"
-Age 18-36, New York
"This company meets my needs and solves my problems"
-Age 18-36, New York
"i like my insurance provider because they give us good discounts and it is also auto drafted"
-Age 18-36, North Carolina
"They are easy to work with"
-Age 18-36, North Carolina
"They are easy to get insured with."
-Age 18-36, Ohio
"Excellent company, good support and experience"
-Age 18-36, Texas
"The company is of quality, and offers the best prices..."
-Age 37-52, California
"The customer support was excellent and I would say they have a good reputation "
-Age 37-52, California
"Great savings are given and excellent service skills are found here. Honesty and reliability are other shinning features."
-Age 37-52, Delaware
"It's a company that I can trust that will do the right thing in some claim"
-Age 37-52, Florida
"I am very much satisfied with customer service that I am getting, simple process and fast"
-Age 37-52, Florida
"Is a very excellent unique, innovative and secure company"
-Age 37-52, Florida
"Metlife is a very good insurance company to have"
-Age 37-52, Florida
"So far it was excellent and I had no bad experience and I am completely satisfied with it."
-Age 37-52, Florida
"Very low premium rates for their customers on policies."
-Age 37-52, Florida
"They are very prompt. When I file my claim they were out the very next day and I had a new car within a week"
-Age 37-52, Maine
"Valuable discounts are given by the companies to its customers, honestly, quickly and reliably."
-Age 37-52, New Jersey
"Very customer service orientated. Willing to listen and sshelp meets your needs. Website is totally interactive"
-Age 37-52, New Jersey
"It is a really helpful company"
-Age 37-52, New York
"The reps help a lot if you call in and what they say is of great quality"
-Age 37-52, New York
"They have an option to have your payments deducted from your paycheck."
-Age 37-52, Oklahoma
"Is a great company and really easy to get your coverage "
-Age 37-52, Pennsylvania
"I like it because of the benefits it gives, plus an execellent service and speed in claims. It is a very formal company, serious and also responsible for prestigious; provides confidence and security"
-Age 37-52, Virginia
"The claim was simple and they treated me as a person and not just a number"
-Age 37-52, Washington
"They are professional and skilled"
-Age 37-52, Washington
"They offer excellent coverage at a fair price"
-Age 53+, California
"Prompt reliable service"
-Age 53+, Connecticut
"Have had nothing to complain about it the 10 plus years that I've been with the company."
-Age 53+, Florida
"It's less expensive if you have medical/dental insurance thru the same company and can bundle."
-Age 53+, Florida
"Very reliable company"
-Age 53+, Maryland
"Handles claims promptly, friendly customer service"
-Age 53+, Missouri
"I have never had issues, so good company I'd reckon"
-Age 53+, Nevada
"Glass is covered completely. If your windshield gets hit with a rock, you are covered - no deductable"
-Age 53+, New Hampshire
"I had a minor fender bender one week before leaving on a vacation. It was taken care of within 3 days and no need for a rental vehicle as loaner was provided free of charge"
-Age 53+, New York
"They listen when you have a problem and do what it takes to change/solve it to the customer's satisfaction"
-Age 53+, New York
"Company offers low premium, excellent service skills,settles claim quickly, quietly and friendly."
-Age 53+, North Carolina
"Coverage options for vehicle insurance are standard and comprehensive."
-Age 53+, North Carolina
"Great customer service"
-Age 53+, North Carolina
"They are sincere in their concern for me, they offer competitive rates and are pleasant to deal with"
-Age 53+, North Carolina
"It's a good company"
-Age 53+, Utah
"I have to run down the claims adjuster five times to get my claim handled. I don't call that good service."
-Age 18-36, California
"It's an honest company that deals with ethics. But it could have more benefits."
-Age 18-36, California
"Is okay I've had no problems with this company so far"
-Age 18-36, California
"I've had a quality experience with this so far "
-Age 18-36, Indiana
"They do not take into account the number of claims you file, yet raise your rate anyway when you file your first one every after being a customer for years"
-Age 18-36, Massachusetts
"I do not have any good or bad experiences with my insurance company."
-Age 18-36, Michigan
"A good company but just cost more than others"
-Age 18-36, Michigan
"Overall good experience, however, customer service reps were sometimes rude and confusing. "
-Age 18-36, Michigan
"My Insurance doesn't answer to my calls and don't resolve my problems"
-Age 18-36, New York
"This is one of the worst insurance service provider. The customer service is unfriendly and hard to reach."
-Age 18-36, New York
"We just switched to them so no opinion yet"
-Age 18-36, Texas
"It is just okay "
-Age 18-36, Washington
"You go through a lot of bureaucracy to make a claim"
-Age 37-52, California
"It could use some improve in technological aspect of things"
-Age 37-52, California
"They have good service but have become too expensive"
-Age 37-52, California
"Get what I need from them, nothing special"
-Age 37-52, Connecticut
"It's just coverage for my car, nothing special"
-Age 37-52, District of Columbia
"They are good, but I feel I am overpaying."
-Age 37-52, Florida
"High premium and rates. Trustworthy, but pricey"
-Age 37-52, Hawaii
"High prices. My friend recommended this but I will not recommend anyone."
-Age 37-52, Idaho
"I'm not happy with them My premiums have increased every year. "
-Age 37-52, South Carolina
"I always get a bill and then have to call them to get them to pay their part. I shouldn't have to do that."
-Age 37-52, Washington
"The only interaction is paying my bill. I haven't had aauto issue requiring my interaction."
-Age 53+, Florida
"Fine with cost they charged from us. Hope not to increase in future."
-Age 53+, Iowa
"Once hey have your money no real communication "
-Age 53+, Massachusetts