Metlife Car Insurance

Ratings

Auto

Overall Rating

Claims Processing

Customer Service

Value for Price

Website and Apps

% Who Would Recommend to a Friend

% Who Plan to Renew

96%

AM Best Financial Strength Ratings

April 01, 2021

HOW WE WEIGH OUR SCORE

Price35%
Customer service25%
Claims20%
Website and app10%
Renew/Recommend10%

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.

Reasons for Buying

Customers of MetLife originally decided to purchase from the company for these reasons:

25% Reputation
16% Saw TV commercial
15% Saw online ad
14% Offered best price
12% Financial strength rating
7% I had other insurance with this company
5% Recommended by friend or family member
5% The company website and mobile apps are easy to use and helpful
1% Was the company my parents had

Would you renew?

96% Yes
4% No

Ratings on Website & Apps

Completely satisfied / Outstanding website & apps that give me what I need and more 59%
Fairly satisfied / Fulfills my needs OK 18%
Very unsatisfied / digital offering is severely lacking 9%
Average website and apps 9%
Unsatisfied / website and/or apps are not fulfilling my needs 3%

How do you prefer to deal with insurer and policy?

In person 26%
Phone 23%
Interactive website 22%
Email 19%
Mobile App 10%

Go to MetLife site now to get a quote

Customer Complaint Ratio

( MetLife’s customer complaint ratio for Private Passenger Auto insurance is 1.13 )

1.13

0 1 3 10+

Lower number is better

0 to 1.00

1.01 to 3.00

3.01 and above

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 2021: How MetLife measures up

MetLife earned a Top 10 spot in our annual review of Best Auto Insurance Companies with an overall InsureScore of four stars.

In claims, price and customer service, MetLife’s InsureScore was steady at three and a half stars but their high recommendation and renewal percentages propelled them ahead of some others in the final scoring.

In the 2020 J.D. Power Auto Claims Satisfaction study, MetLife earned 886th place out of 1000.

When we asked MetLife customers if they would recommend the company to others, 94% said yes and 96% said they planned to renew their plan.

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.

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.

In April 2021, The Farmers Exchanges and Farmers Group, Inc. completed it's joint acquisition of MetLife's home and auto business. This means that MetLife, Inc. is no longer affiliated with MetLife home and auto policies. This review was done prior to that acquisition. Future reviews will reflect the new ownership.

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

818-965-0007

Customer service: 1-844-877-1795

Coverage Options

Usage-based/Telematics

Rates can be based on your mileage and how you drive.

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.

In which states is MetLife auto insurance available?

States in which MetLife auto insurance available
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Washington D.C.

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:

"It's great company."

-Age 25, Georgia

"Pode confiar pois e a melhor"

-Age 26, New York

"I would not recommend this company. "

-Age 27, Pennsylvania

"Affordable price reliable"

-Age 29, New Jersey

"They are good - try them out."

-Age 30, Delaware

"Good company. Worth a try."

-Age 30, New York

"I did not have a good experience, but that maybe for you that is what you are looking for"

-Age 31, California

"They are quick to answer questions and have great prices"

-Age 32, Connecticut

"I like them and like the price."

-Age 32, Maryland

"Good service and price."

-Age 34, Florida

"Amazing company for car insurance."

-Age 34, New York

"Good service."

-Age 35, Arizona

"Good customer service."

-Age 35, California

"The price is affordable, there is flexibility in payments, it has very good coverage and the benefits are excellent."

-Age 35, Colorado

"I am very satisfied with my insurance company, I wouldn't even think of switching."

-Age 35, Florida

"It is a very good company, I trust them."

-Age 35, Florida

"It was a great experienc. This insurance company is very helpful."

-Age 35, Florida

"Its a very good policy."

-Age 35, Florida

"You will save a lot of money with Metlife"

-Age 35, New York

"It depends on how I trust that person that I talk to but it's a good company."

-Age 35, Texas

"It was great experience and it's a trusted company for me and reliable. "

-Age 35, Texas

"My experience is very good and very better feedback."

-Age 36, Florida

"I switched from USAA to Metlife and like it better."

-Age 36, Florida

"This experience makes me trust them. "

-Age 36, Kansas

"It has very good service. I would recommend. "

-Age 36, Pennsylvania

"Excellent service, great insurance company, reliable"

-Age 36, Texas

"Very good company to deal with."

-Age 36, Virginia

"I will recommend to someone about my insurance companies facilities system."

-Age 37, Georgia

"It is great, try them."

-Age 37, Illinois

"This is the best insurance company because they provide a lots of facilities to their customers."

-Age 37, Ohio

"Auto insurance is benefitable for all."

-Age 38, California

"It's been easy to deal with and the prices are reasonable."

-Age 38, Kentucky

"Never had any issues with our policy."

-Age 38, Massachusetts

"Good company to have auto coverage with."

-Age 38, Texas

"Love them and all they stand for. "

-Age 38, Texas

"Very nice for everybody"

-Age 39, Pennsylvania

"It is one of the best I've had a policy with."

-Age 39, Virginia

"Average"

-Age 40, California

"I love them and their services."

-Age 40, California

"This insurance company is very help us"

-Age 40, California

"This insurance is most comfertable for us."

-Age 40, California

"Very good experience and it has given me the best experience."

-Age 40, Florida

"I'm not switching, they are good."

-Age 40, New York

"This service is really good and easy to understand."

-Age 40, New York

"No changes need I like them a lot."

-Age 40, Pennsylvania

"Trusted company. "

-Age 40, Pennsylvania

"You can definitely trust and have your auto insurance here."

-Age 40, Virginia

"Its reputation and policy and trustworthy about my insurance company and what they provide to me."

-Age 41, South Carolina

"I like my insurance. The insurance organization communicates well and it saves me money. "

-Age 42, California

"That the insurance I pay for fully meets my needs"

-Age 42, Florida

"I don't suggest to join this company. I am not satisfied with their customer support"

-Age 42, Maine

"Everyone should do it and I would give this advice to everyone"

-Age 42, New York

"It is a good reputable company with better service"

-Age 42, Pennsylvania

"Its ervice is quite good."

-Age 43, California

"I like it very much."

-Age 43, New York

"Pretty good company."

-Age 44, California

"It gives good service."

-Age 44, California

"I love the company & policy"

-Age 44, New York

"Suitable, practical and responsible company with excellent quality of service"

-Age 45, New York

"It is a trusted company."

-Age 45, Pennsylvania

"Very nice company."

-Age 46, Florida

"Amazing and very helpful for the people and also like the price."

-Age 47, Texas

"It is the best."

-Age 48, Georgia

"Average company that is all."

-Age 48, Pennsylvania

"Really good company."

-Age 50, California

"That they need to at least look at it and get a quote. The customer service is very helpful."

-Age 50, Indiana

"good at live with life"

-Age 50, New York

"This has great customer service."

-Age 52, Florida

"It was painless and worthwhile. It took longer than expected but I'm happy with the results."

-Age 53, Mississippi

"Outstanding customer service that returns calls quickly. I never had a claim with them but am sure it's settled quickly fro what I've heard."

-Age 55, Texas

"Make sure you get the best quote before going with them."

-Age 60, Wisconsin

"Good customer service and reasonable prices. They bundle."

-Age 61, Georgia

"They are easy to do business with and the price seems to be fair."

-Age 61, Missouri

"Good enough for needs."

-Age 63, Illinois

"Not much different then other companies"

-Age 64, New Jersey

"That one can make monthly payments and not pay a fee"

-Age 64, New Jersey

"I'm a satisfied customer"

-Age 66, Maryland

"Reputable and reachable"

-Age 69, North Carolina

"In checking pricing, my insurance company beat all others for the same coverage"

-Age 71, Rhode Island

"I have never had any problems. Luckily I haven't had to put in a claim, so I can't relate to that."

-Age 75, New York

"Never an issue. Prompt helpful service on a claim and knowledgeable customer service reps."

-Age 80, Florida

Other Companies to Consider:

MetLife Auto Insurance Reviews And Ratings

Ratings

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

HOW WE WEIGH OUR SCORE

WHAT IS THIS RATING?

Reasons for Buying

How likely to recommend?

Would you renew?

Ratings on Website & Apps

How do you prefer to deal with insurer and policy?

Customer Complaint Ratio

About MetLife

Types of auto coverage

Additional policies offered

Best Auto Insurance Companies 2021: How MetLife measures up

Gauging an insurance company

Company Background

Life and Limb

Consider Metlife for all-in-one policies

Contact information

In which states is MetLife auto insurance available?

Other Companies to Consider: