MetLife Auto Insurance Review: Quotes and Service (2024)

MetLife scores highly on financial strength ratings, which reflects well on its ability to pay legitimate claims without issue. However, their ratings are usually average or below average for the quality of customer service. According to J.D. Power, MetLife auto insurance rates about average on a national level while consistently rating below average in many regional markets. While their features and discounts set them apart, some of the best car insurance companies in the country offer more attractive options.

MoneyGeek collected average quotes in every state for a sample driver. The MetLife quotes from the 44 states it is available in were averaged for this sample driver, and MoneyGeek’s analysis found the company is expensive at an average annual cost of $1,686.

MetLife is relatively expensive for our sample driver, whether with full coverage, minimum coverage or a speeding violation. For a young driver, it is moderately priced.

If you are looking for affordable car insurance, shopping around and comparing quotes from different providers helps you get the best rate. However, it is important to consider other factors such as quality of service before settling on an insurer.

MetLife is typically expensive for most types of drivers. Compared to other auto insurers, MetLife charges higher rates for full coverage, minimum coverage and a speeding violation. For a teen driver (18-year-old), MetLife is neither expensive nor cheap.

While MetLife’s rates are high for many drivers, young drivers may benefit from a MetLife policy because it is moderately priced.

Insurance company rating calculations are not transparent. Most insurers, including MetLife, charge higher rates for drivers with a poor record that includes a violation since they are in a high-risk category.

MetLife offers the standard coverages offered by most auto insurers, such as liability insurance and comprehensive and collision insurance. You can also enhance your MetLife policy with common add-on coverages, including roadside assistance, rental car reimbursement, accident forgiveness and new car replacement.

However, MetLife does not offer gap insurance coverage, better car replacement or deductible modification.

As a MetLife policyholder, you can get unique coverages, including original equipment manufacturer (OEM) coverage, custom parts coverage and glass deductible modification coverage.

For cars less than 10 years old, OEM coverage ensures the use of factory-original parts for repairs. The glass deductible modification coverage reduces the comprehensive deductible to $100 for glass damage, which benefits drivers who live in areas that have extreme weather like hailstorms.

MetLife auto insurance brings to the table a good financial standing, unique features and a variety of discounts. Of particular note is its rental, towing and labor coverage, as well as its roadside assistance. While shopping for car insurance, it is important to look out for the best balance of costs, coverage options and features.

MetLife also offers life insurance and home insurance products in addition to their auto insurance coverage. You can receive additional discounts by bundling your auto insurance with other MetLife policies.

AM Best issues scores to insurance companies based on their financial strength. This is an indicator of their ability to pay claims. MetLife received an A+ rating. While this is not a warranty for policyholders, it denotes excellent financial strength.