Metlife Auto Insurance Review 2023

Read our detailed Metlife auto insurance reviews. MetLife has some of the best coverage policies and unique offers – read more!

About the Company 

Established in 1868, MetLife is the holding corporation for the Metropolitan Life Insurance Company(MLIC). It is more commonly known as MetLife. 

The company offers a variety of policies, including dental insurance, home insurance, disabilities, life, vision annuities, and auto insurance. 

MetLife has some of the best coverage policies and unique offers that are hard to find through other auto insurance providers. From great savings to customized car insurance plans, MetLife empowers individuals to get coverage in case of an accident at no extra cost. 

The company’s financial standing is solid, with approximately ‎$687.538 billion worth of total assets. It has more than 90 million customers in 60 countries.

The company has a comprehensive website, and the MetLife insurance phone number is a contact option available 24/7.

How We Reviewed

We reviewed the MetLife auto insurance company on the following:

• Types of insurance covered 
• Where is it available 
• Insurance offers or extras
• Customer satisfaction and reviews
• Customer support
• Ease of use
• Pricing review
• Comparison with competitors
• Claims handling

Where is it Available?

MetLife is a New York City based company dedicated to providing insurance to clients in all 50 states of the U.S. Moreover, apart from the United States, more than 60 countries are served worldwide.

Types of Insurance Covered and Missing Coverage

MetLife insurance coverage options are endless. From standard options to unique policies, MetLife offers them all. Coverage, rates, discounts, and policy features vary by state and product and are available in most states to those who qualify. 

Traditional coverage options  include:

• Liability Coverage

This coverage pays for injuries and property damage if the insured person is at fault, for example, if you cause injury to another person or damage some else’s property.

• Comprehensive and Collision Coverage

Collision coverage pays for your car damage, no matter who caused the collision.  

The comprehensive coverage pays for damage to your vehicle caused by events like vandalism, fire, flood, theft, or hail.

• Rental Car Coverage

It protects you in case if you have a collision while driving a rental car such as you will be covered for costs like rental income lost during repairs, claim handling expenses, decrease in market value of the rental, and more.

Additional coverage includes:

• New Car Replacement

Under this coverage, if you total your new automobile during the first 15000 miles or within one year of purchase, it will be replaced with a new car with no depreciation deduction.

• Major Parts Replacement

MetLife pays for the replacement of major parts like brakes, battery, and tires regardless of their depreciated value at the time of the accident. However, this coverage is not available in North Carolina.

• Glass Repairs without Deductible

If the windshield of your car gets cracked or chipped, you can get it repaired under this coverage and get your deductible waived.

• Roadside Assistance and Towing

The company covers all types of emergency breakdown situations, including flat tire change, lock-out service, jump-starts, and towing.

• Custom Sound System Coverage

This is a unique coverage that only MetLife offers. With MetLife, you can have your sound system covered and protected with additional coverage.

MetLife Insurance Discounts or Extras

Some MetLife Auto insurance discounts worth highlighting are:

• Deductible Savings Benefit 

If you don’t make a claim, you receive a $50 credit annually towards your future deductible payment. The benefit can be earned for up to 5 years. However, it is not available in all states.

Also, drivers in New York must first pay a state-required minimum deductible before using this benefit. Depending on your policy form, the benefit could be up to $250 or $500.

• Defensive Driver Discount   

You can get a 7% discount for taking a defensive driving course in 3 years.

• Bundling Benefits and Deductible Savings Benefit

If you get a bundle MetLife auto and home coverage, you can save approximately $855 with just one bill and one deductible.

• Mature Driver Discount 

The company offers this option to drivers aged between 50 and 65. However, the amount of discount you may qualify for is variable.

• Association Discount

MetLife offers fantastic car insurance rates to members of partner associations, including companies that provide MetLife insurance to their workers as an employee benefit.

Other exciting MetLife insurance benefits include:

• MetLife App 

This mobile phone app allows you to manage your policy in one place and that too at your fingertips. Thus, it spares you from managing paperwork.

• MyJourney

This program allows you to drive safely and provides you with good savings. 

When you sign up, you receive an enrollment discount of 10%. After renewing the program subscription, you may receive an adjusted discount of 30%. The discount is variable and is based on your safe driving score. 

These driving style discounts are definitely value-adding. 

However, coverage options where MetLife lacks are anti-theft devices, students away at school, and affinity membership alum. 

MetLife Pricing Review

Age group	MetLife avg. annual premium
Teens	$6,434
20s	$2,457
30s	$2,457
40s	$1,590
50s	$1,520
60s	$1,414

Is MetLife a Good Car Insurance? (Customer Satisfaction and Reviews)

The reviews of the customers are mixed. 

Although the company scored average in J.D. Power 2019 customer satisfaction survey, customers continue to love their offers and discounts, which is evident from renewed policies and a growing customer base. 

The company was rated 0.69 for customer satisfaction by the National Association of Insurance Commissioners. This indicates that MetLife overall received fewer complaints than an average company of its size. 

These MetLife user ratings most certainly put  MetLife in the league of top competitors such as GEICO with a score of 0.74 and Travelers with a score of 0.64.  

Also, as mentioned earlier in terms of financial strength, the company receives an A rating from AM Best, which means that MetLife is likely to pay out claims made by its customers. 

Here’s the MetLife insurance rating  on some trusted platforms:  

Platform	Rating
J.D. Power study	About average
National Association of Insurance Commissioners	Above average
Better Business Bureau	B+ rating

Customer Support

MetLife offers an award-winning customer support service. Their customer representatives are available round the clock 24/7 days a week and 365 days a year. 

To cater a better service to more customers, the company has two separate phone numbers for individual policies and for group customers. 

You can dial their number for policy information, guidance, or assistance with the MetLife quotes process. 

In addition to this, you can also reach MetLife on Twitter (@MetLifeCares) for assistance with policies.

Ease of Use and Policy Customization

MetLife website and apps are also user-friendly and easy to use. You can manage your account by logging into your account on their website. 

You can also use their website to learn more about their products, discounts, benefits, and coverage options. 

They also have a FAQ section about insurance products and general how-to-articles on insurance and money matters. 

All this information can help you make better policy decisions and select good service options and rates. 

Besides this, their app is user-friendly and gives you a complete summary of your claims, policies, and more. 

MetLife understands that everybody has different needs and requirements, and therefore, they give customers the power and flexibility to personalize their policies. 

MetLife car insurance quotes give a detailed idea about the particular options and pricing. 

Simply stated, customers can custom-fit their auto insurance policies to protect themselves and their families in case of an accident. 

MetLife Auto Insurance Claims Handling

MetLife auto insurance claim process is as simple as it can be. All you need to do is file a claim with them via call. Their phone lines are open 24/7 days a week and 365 days a year. You can also file a claim online via their website or app.

Once you file a claim with all the information required, the claim will generally take 10 business days to get processed. 

The claims methods are also convenient. Only one claim form is required per accident. That means you don’t have to file more claims to get your claim processed.

Each claim is reviewed carefully by a professional so that each customer can promptly get the coverage that they are entitled to. 

Comparison With Competitors

Here is a comparison between MetLife auto insurance and some of its competitors:

• MetLife vs GEICO

GEICO auto insurance is a better choice for those with bad credit. On average, GEICO offers cheaper rates for clients with credit scores lower than 580. 

MetLife’s annual premium for clients with low credit scores is too high. It is approximately $3,495, while the GEICO premium is only $2,051 for clients with a credit score below 580. 

In comparison with MetLife, GEICO offers more discounts. 

In terms of financial stability, the two companies stand comparison with each other. 

However, MetLife has an advantage in terms of good customer service, convenient apps, and online policy management options.

• MetLife vs Allstate

MetLife and Allstate are two of the biggest names in the insurance industry, thus making a choice can be difficult. 

Allstate is a good option for new drivers looking for a ton of discounts, while MetLife is a better choice for those who want a smooth policy buying experience and guidance of a helpful and knowledgeable representative.

• MetLife vs Progressive 

Choosing between Progressive or MetLife comes down to whether you want fuller coverage or a lower price. MetLife offers full auto insurance coverage options, while Progressive gives generous discounts. 

Although the Progressive customer satisfaction level isn’t stellar, it is still better than MetLife. 

However, unlike Progressive and many other insurers, MetLife offers several extras such as the rental reimbursement option at no additional cost.