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To help in your search for the best car insurance, we will take a deep dive into MetLife auto insurance to better understand the provider’s coverage, claims process, and customer service. Then, we’ll compare MetLife auto to the best insurance providers to see how it measures up.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool above or call Motor1’s designated quotes team at (844) 246-8209   to start comparing personalized car insurance quotes.

Established in 1868 as a life insurance provider, MetLife and its related companies are now leaders in the insurance and savings industries. The provider holds a strong presence in nearly 50 countries around the world. It offers life, auto, home, accident, health, and renters insurance products, plus offers retirement and savings products.

Based in New York City, MetLife has approximately 100 million customers worldwide and serves over 90 of the top 100 Fortune 500 companies here in the United States.

MetLife auto insurance is available in all 50 states and the District of Columbia. Although it offers comparable coverage to most other car insurance companies, MetLife has the option of a 12-month policy instead of the industry-standard 6-month auto insurance policy. This is a perk for customers who don’t want to deal with the possibility of premium increases every 6 months.

Let’s start with the basics. MetLife offers the essential types of standard coverage that most drivers expect and need. These offerings will meet any state’s requirements, plus provide peace of mind.

In addition to the company’s standard levels of automobile coverage, MetLife also offers specialty insurance for specific cars and other types of vehicles, including:

When you purchase MetLife car insurance, you may also be interested in:

For drivers who want to manage their car insurance policies entirely online, MetLife has a portal called MyDirect. In some states, policyholders who opt for MyDirect receive a discount on their insurance policy.

One benefit of MetLife is that it has a high number of discounts available compared to other providers. Here’s a closer look at each:

Car insurance rates vary widely based on factors like your address, age, driving record, credit score, type of vehicle, and average mileage. Regardless, MetLife will likely offer you a competitive policy. Most MetLife auto insurance reviews place the provider’s quotes in line with average rates by state.

MetLife has a fairly straightforward online quotes and application process for car insurance. To receive a quote, you just need to provide your information, including things like your address, vehicle specifics, and profession.

If you’re satisfied with your quote, you can complete the policy application online. This is convenient for time-conscious shoppers. However, if you’d rather speak with someone, you do have the option to call MetLife and schedule an appointment with a local agent to complete your car insurance application.

For a faster quote process that allows you to compare other companies with MetLife, call (844) 246-8209  or  use the tool below:

To file a claim, you can either call the 24/7 claims hotline or file through the MetLife mobile app. The app allows you to record accident details and upload photos directly, saving time and effort later.

The MetLife auto insurance claims process may not always prove to be quick and easy, though. In its 2020 U.S. Auto Claims Satisfaction Study, J.D. Power rated MetLife at 886 points out of 1,000. MetLife was not included in the 2021 J.D. Power U.S. Auto Claims Satisfaction Study. Our research found that customers mainly complained about lack of communication from claims adjusters and long wait times during the claims process.

MetLife Auto seems to have mixed reviews even from national names in the industry. AM Best currently rates MetLife at Superior for financial strength, however, MetLife standings with the National Association of Insurance Commissioners (NAIC) seems to fluctuate. The Better Business Bureau (BBB) states that MetLife has a large number of complaints from customers.

Here are some customer reviews that reflect common complaints surrounding MetLife:

“One star is too high of a rating for this company. I was in an accident In May and [have] hardly been able to communicate with my adjuster. I call her pleading [for her] to call me back, and still will not get a response… It took until well into July before I received a check for my car (also not discussed by my adjuster but some other woman in another department). Now we are still working to determine liability and I have been left in the dark.”

“A guy hit my parked car while I was not inside. Clearly not my fault. Yet their claims person would not return phone calls or emails and it took weeks to get to the point where I could make an appointment to get my car fixed. I plan on telling everyone I know about my ordeal with this company. And to anyone reading this, please do not use them for your car insurance.”

Despite some of the reviews regarding its claims process, MetLife seems like a reasonable option for some drivers. The company offers significant discounts and unique coverage options that definitely help them stand out against the competition. We also like that MetLife has the option to work with a local agent or take care of everything online, allowing you to do what best suits your needs.

We always suggest shopping around to find the best car insurance rates and coverage that works for you. To collect and compare quotes from providers available in your state, call (844) 246-8209  or use the tool below:

Before settling on MetLife car insurance, we recommend that you check out these other companies from our ranking of the best auto insurance companies:

Geico is one of the nation’s leading car insurance providers. The company is known for its low rates, making it a good choice for anyone on a budget.

Like MetLife, Geico offers services like rideshare coverage, rental car reimbursement, and roadside assistance, along with the ability to bundle with home insurance and more. Geico has a top-of-the-line website and smartphone app, both of which allow drivers to manage their policies at any time without having to contact a local agent. For more information about coverage, read our Geico review.

Another household name, Progressive is currently the nation’s third-largest car insurance provider. The company’s breadth of coverage and added perks make it a great choice for most drivers. To get a quote, you can use the Name Your Price®  tool to compare coverage options side-by-side and find the right policy for you.

Similar to MetLife auto insurance, drivers that use Progressive have access to GAP coverage and custom parts protection, as well as options for bundling. Progressive also offers additional coverage that MetLife doesn’t have, like more expansive rideshare plans (including Lyft and Uber), pet injury protection, and a deductible savings bank. Read our Progressive insurance review for more information about coverage options.

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

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