Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: May 6, 2019

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Consumers who are considering making a switch to a new car insurance company have a plethora of options. It helps to be aware of some important differences among companies when it comes to policy options, discounts and customer satisfaction.

MetLife may seem like the right auto insurer for you but after reading this MetLife car insurance review don’t forget to enter your ZIP code and compare car insurance quotes from many car insurance companies nationwide.

About MetLife

In order to get to know a company, you need to get a sense of where it came from. MetLife is one of the oldest car insurance providers in the United States founded in 1868 originally providing life and disability insurance policies to Civil War soldiers.

Over 100 years later, it became a publicly traded company, listing on the New York Stock Exchange in 2000.

It currently holds an A+ (“Superior”) rating on A.M. Best’s scale of insurer financial strength, and it has also received an “Excellent” rating from Moody’s and a “Very Strong” rating from Standard & Poor’s.

MetLife Car Insurance Policy Offerings

MetLife provides its customers with standard auto insurance coverage such like liability-only, comprehensive and collision coverage, as well as a choice of high or low deductibles depending on the customer’s appetite for risk.

Drivers who insure their vehicles with MetLife can also adjust their auto insurance premiums by choosing higher or lower levels of coverage against property and bodily injury, medical payments and uninsured motorists.

MetLife also offers a few policy options that distinguish it from its competition. For instance, customers in most states can choose Replacement Cost coverage, which obligates the company to replace your car with a brand new one if it is totaled during the first year or 15,000 miles, whichever comes first.

MetLife will also pay full replacement cost for certain parts that are damaged in an accident, while some other companies pay only the current value of those depreciated parts.

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MetLife Car Insurance Discounts

MetLife customers are entitled to several auto insurance discounts if they meet certain criteria.

Availability of discounts is influenced by state laws, so you should contact a local agent to determine if they offer the following discounts in your state:

  • $50 deductible credit for every year that you’re a claim-free customer
  • Affinity and Group discounts just for belonging to certain associations or working for certain employers
  • Defensive driving course discounts
  • Multi-Policy discounts for consumers who purchase multiple insurance policies
  • Earn lower rates by maintaining a safe driving record

MetLife Customer Satisfaction

According to the 2010 U.S. National Auto Insurance Study conducted by the consumer research group J.D. Power and Associates, MetLife is “About Average” when it comes to customer satisfaction with billing and payment, policy offerings and pricing.

However, the insurance company scored below average when it came to customers’ satisfaction with their ability to contact the insurer, and MetLife’s overall customer satisfaction score was poor.

In fact, MetLife’s overall customer satisfaction score was in the bottom quartile of all major car insurance companies. MetLife scored just 749 points out of a possible score of 1,000, placing it 28 points shy of the industry average score of 777.

While the survey suggests that MetLife meets industry standards in several important categories, it does not excel in any category, and it lags behind in some areas.

Conclusions About MetLife

While these survey results suggest that MetLife customers are not the most satisfied, MetLife may still be a good choice for you in terms of price.

Although company’s customer satisfaction score was average in this category insurance rates do vary significantly from customer to customer. Its possible that the rates MetLife offers you will be sufficiently low to secure your business.

By entering your zip code on this page, you can get specific rate quotes to help you decide which auto insurance company is right for you.

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