Best Car Insurance Companies

MetLife Auto Insurance Reviews And Ratings

Updated on
metlife
MetLife Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 94%
Who Plan to Renew 96%
AM Best Financial Strength Ratings A

About MetLife Car Insurance Company

Customer service:1-844-877-1795
818-965-0007

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.

MetLife Car Insurance Coverages

  • Auto
  • Ridesharing endorsement
  • Motorcycle
  • RV
  • Boat

MetLife Car Insurance Additional Policies

  • Homeowners
  • Renters
  • Condominium
  • Mobile home
  • Umbrella liability
  • Life
  • Dental
  • Disability
  • Financial products such as annuities, IRAs and mutual funds

How likely customers would recommend this company?

71% I would definitely recommend this company
23% I would probably recommend this company
6% Neutral
0% I would probably not recommend this company
0% I would not recommend this 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%
  • Average website and apps 9%
  • Very unsatisfied / digital offering is severely lacking 9%
  • Unsatisfied / website and/or apps are not fulfilling my needs 3%

How do you prefer to deal with insurer and policy?

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

Customer Complaint Ratio

info

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

MetLife’s customer complaint ratio for Private Passenger Auto insurance is 1.13
Coverage Options
Usage-based/Telematics Icon
Usage-based/Telematics
Rates can be based on your mileage and how you drive.
Vanishing deductible Icon
Vanishing deductible
Your deductible will be reduced as long as you have no accidents or moving violations.
New car replacement Icon
New car replacement
If you total your car the insurer will pay for a new car.
Offers 12-month policies Icon
Offers 12-month policies
Your policy term can be one year before the next renewal.
Mobile app Icon
Mobile app
The insurer offers an app for smartphones.
Discounts
Multi-policy Icon
Multi-policy
Discount for more than one type of policy with the same insurance provider.
Multi-vehicle Icon
Multi-vehicle
Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Icon
Driver training/Defensive driving
Discount for an approved defensive driving or driver improvement class.
Academic achievement Icon
Academic achievement
Discount for full-time students who meet certain academic criteria.
Passive -restraint (air bag) Icon
Passive -restraint (air bag)
Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Icon
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 available?

Customer Reviews

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:

Customer Reviews

145 Reviews. 4 Stars out of 5
Thank You! Your review was posted successfully and is awaiting moderation. Write another review

Other Similar Companies

Go To Top