Ratings

Auto best-auto-company-ratings
Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
94%
% Who Plan to Renew
96%
AM Best Financial Strength Ratings info-icon info-icon November 08, 2020
A
HOW WE WEIGH OUR SCORE
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

How likely to recommend?

71%
I would definitely recommend this company
23%
I would probably recommend this company
6%
Neutral
0%
I would not recommend this company
0%
I would probably not recommend this company

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%
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Customer Complaint Ratio

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Private Passenger Auto
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.

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
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 auto insurance available?

AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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