MetLife Auto Insurance Review for 2024 (See Ratings & Cost Here!)
Explore our MetLife auto insurance review for coverage options, discounts, and competitive rates. With average monthly premiums of $68, discounts are available for safe drivers and policyholders with multiple policies. MetLife provides customizable plans with liability, collision, and comprehensive coverage.
Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Dec 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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MetLife
Average Monthly Rate For Good Drivers
$68A.M. Best Rating:
AComplaint Level:
MedPros
- MetLife provides customizable coverage to suit various driving needs
- Access to online tools for managing policies, making payments, and filing claims
- Offers identity protection coverage at no additional cost to policyholders
Cons
- Premiums can be higher for drivers with less-than-ideal credit scores
- Limited availability of certain discounts depending on location
- MetLife offers many options for auto insurance
- MetLife has an A.M. Best rating of A+
- MetLife offers additional auto insurance options such as GAP, PIP, renters insurance, towing and roadside assistance, etc.
Find out more in our MetLife auto insurance review to know more about their competitive rates starting at $68/month.
MetLife offers flexible coverage options, including liability, collision, and comprehensive auto insurance, which protects policyholders against a range of incidents — from theft, vandalism, and natural disasters to a number of other events beyond the scope of a standard policy.
MetLife Auto Insurance Rating
| Rating Criteria |  |
|---|---|
| Overall Score | 4.2 |
| Business Reviews | 4.0 |
| Claim Processing | 3.3 |
| Company Reputation | 4.0 |
| Coverage Availability | 5.0 |
| Coverage Value | 4.0 |
| Customer Satisfaction | 4.0 |
| Digital Experience | 4.0 |
| Discounts Available | 5.0 |
| Insurance Cost | 4.2 |
| Plan Personalization | 4.0 |
| Policy Options | 4.7 |
| Savings Potential | 4.4 |
With discounts available for safe drivers and multi-policy holders, it’s a great choice for cost-conscious drivers. Compare rates and coverage to find the best fit for your needs.
Use our free quote comparison tool to find affordable auto insurance with any driving record — simply enter your ZIP code below.
- MetLife auto insurance rates start at $68/month for basic coverage
- Flexible options include liability, collision, and comprehensive protection
- Provides discounts for safe drivers, multiple policies, and other factors
Everything You Need to Know About MetLife Auto Insurance
MetLife provides auto insurance coverage options such as liability, collision, and comprehensive coverage along with recommended auto insurance coverage levels. They offer discounts for safe drivers, multi-policy holders, and good students. Minimum coverage premiums begin at $68 per month, but rates depend on hardware and driver history.
MetLife has good customer service via a mix of online tools plus local agents. Plus an A+ financial rating means they can be trusted to cover claims. It has coverage available in all 50 states as well as U.S. territories, so it’s an option for just about any driver.
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MetLife Auto Insurance Rates by Age, Gender, and Coverage Level
MetLife has a number of car insurance rates that change according to how much coverage you have, as well as your age and gender. Whether you want minimum or full coverage, understanding how age and gender will influence your premiums will guide your decision. Below is a breakdown of MetLife’s monthly rates for different age groups and coverage levels.
MetLife Auto Insurance Monthly Rates by Coverage Level, Age, & Gender
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $450 | $600 |
| Age: 16 Male | $525 | $700 |
| Age: 18 Female | $350 | $500 |
| Age: 18 Male | $425 | $600 |
| Age: 25 Female | $150 | $250 |
| Age: 25 Male | $170 | $270 |
| Age: 30 Female | $125 | $200 |
| Age: 30 Male | $135 | $210 |
| Age: 45 Female | $100 | $165 |
| Age: 45 Male | $68 | $158 |
| Age: 60 Female | $85 | $140 |
| Age: 60 Male | $95 | $150 |
| Age: 65 Female | $90 | $145 |
| Age: 65 Male | $100 | $155 |
MetLife auto insurance monthly rates vary by coverage level, age, and gender. Teenagers applying for full coverage could be charged as high as $700 for a 16-year-old male; minimum coverage premium rates go as low as $68 for a 45-year-old male.
Rates gradually decrease with age, with 30-year-olds paying $125 for minimum coverage and $200 for full coverage. Female drivers typically pay lower premiums compared to males.
Gap coverage is only applicable to individuals with a car loan or lease. It covers the difference between what your car insurance pays and what you still owe on the vehicle if it’s declared a total loss, ensuring you're not financially responsible for the remaining balance.Jeff Root Licensed Insurance Agent
MetLife’s auto insurance rates fluctuate with age and gender, offering more affordable options for older drivers and female drivers. Be sure to discuss and compare quote options and coverage options so you find the best rate that works for you. For an easy way to find the best deals, visit where to compare auto insurance rates and use the comparison tool to explore more options and save on your car insurance.
Driving History and Its Impact on MetLife Auto Insurance Rates
Whether you have a clean record or a history of accidents, DUIs, or tickets, your premiums will be affected accordingly. If you’re seeking cheap auto insurance after a DUI, it’s important to understand how insurers adjust their rates. The table below highlights how MetLife adjusts its rates based on different driving histories, providing insight into how past behavior can impact your insurance costs.
MetLife auto insurance rates vary based on your driving history. Whether you have a clean record or a history of accidents, DUIs, or tickets, your premiums will reflect these factors. The table below shows how rates differ for drivers with varying records, helping you understand how past driving behavior impacts your insurance costs.
A clean record typically results in the lowest premiums, while accidents, DUIs, and tickets lead to higher costs. Don’t forget to also take your driving history into account when comparing auto insurance quotes to get the best deal.
Decoding Age-Specific Auto Insurance Rates: MetLife vs. Competitors
The comparison of monthly auto insurance rates by age highlights how premiums change with age. Knowing the key risk factors that affect auto insurance rates — such as age, driving record, and type of car — helps people find the most affordable coverage.
MetLife Auto Insurance Monthly Rates vs. Top Competitors by Age & Gender
| Insurance Company | Age 16 Female | Age 16 Male | Age 18 Female | Age 18 Male |
|---|---|---|---|---|
 | $534 | $599 | $413 | $462 |
 | $469 | $522 | $324 | $364 |
 | $483 | $542 | $333 | $375 |
 | $375 | $417 | $292 | $333 |
 | $500 | $567 | $375 | $417 |
 | $458 | $516 | $333 | $383 |
 | $475 | $525 | $350 | $392 |
 | $492 | $533 | $358 | $400 |
 | $467 | $517 | $342 | $383 |
 | $517 | $575 | $383 | $433 |
 | $350 | $400 | $267 | $308 |
Compare MetLife auto insurance rates with top competitors by age and gender. The chart here compares monthly premiums for 16- and 18-year-old male and female drivers to the rates charged by providers such as Allstate, Geico, and USAA, with the rates from MetLife. Comparative pricing by your age and gender may reveal the most competitive pricing.
Analyzing MetLife’s auto insurance rates alongside top competitors will allow you to discuss how and why these factors are considered when coming to your premium rate. Such analysis gives you a clear understanding of the most competitive rates amidst various providers and allows you to make an informed decision about the best coverage according to your requirements.
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MetLife Auto Insurance Policies: Coverage Options for Every Driver
MetLife offers a variety of auto insurance policies designed to protect drivers in different situations. When considering your options, it’s important to know how to choose an auto insurance policy that best suits your needs, whether you are looking for coverage for a new vehicle, protection from accidents, or savings on premiums.
From basic liability coverage to more comprehensive protections like collision and uninsured motorist coverage, these policies ensure that you’re covered no matter what happens on the road. Below is an overview of the key types of coverage MetLife provides.
- Liability Coverage: Covers damages when you’re at fault in an accident, including bodily injury and property damage liability.
- Collision Coverage: Pays for repairs to your vehicle after a crash, regardless of fault, including damage caused by other drivers.
- Comprehensive Coverage: Protects against non-collision events like theft, vandalism, natural disasters, or animal collisions, excluding accidents.
- Uninsured/Underinsured Motorist Coverage: Covers you if you’re in an accident with someone who lacks sufficient insurance to pay for damages.
- Personal Injury Protection (PIP): Covers medical costs, lost wages, rehabilitation, and funeral expenses for you and your passengers, no matter who’s at fault.
Each of these MetLife auto insurance policies provides basic coverage customized to diverse driving demands.
Bill Pappas recently shared how members from MetLife’s Global Technology and Operations and Pet Insurance teams successfully collaborated on our enhanced pet wellness app. Read it here via @CIOonline: https://t.co/9K2mtCQo3L pic.twitter.com/MrHMMLp23U
— MetLife (@MetLife) August 21, 2023
Whether you’re seeking basic liability or comprehensive coverage for various risks, understanding your options helps you choose the right protection for peace of mind on the road.
Additional Coverage Features from MetLife Auto Insurance
MetLife offers a variety of optional coverages to add to your auto insurance policy, from gap coverage to roadside assistance. If you’re interested in advice on how to manage your auto insurance policy, these alternatives give extra security and adaptability.
- Gap Coverage: If your car is totaled, it covers the difference between what you owe on your loan and its actual cash value, preventing financial loss.
- Roadside Assistance: Provides emergency help such as towing, battery jump-starts, tire changes, and lock-out assistance. This coverage can be added to your policy for added peace of mind on the road.
- Rental Car Coverage: Pay for a rental car while you repair the wrecked car. This coverage may include towing costs and rental income loss for the rental company.
- Glass Repair Coverage: Covers the cost of repairing or replacing damaged vehicle glass, often with no deductible, allowing you to address damage at no charge.
- Identity Protection Coverage: Includes services like credit monitoring and fraud resolution to protect against identity theft, often at no extra cost.
These added policy features mean MetLife has you covered in the unexpected, giving you peace of mind behind the wheel and beyond.
These add-ons can help complete your coverage and provide fast, easy service.
MetLife Ratings and Consumer Feedback: A Reliable Insurer With Strong Satisfaction
MetLife offers solid business ratings and excellent consumer ratings on many platforms. With a J.D. Power score of 886 out of 1,000, the company has well-above-average customer satisfaction. Besides, MetLife is rated A+ due to its impressive business practices.
MetLife Business Ratings and Consumer Reviews
| Agency |  |
|---|---|
 | Score: 886 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 76/100 Good Customer Feedback |
 | Score: 1.00 Avg. Complaints |
 | Score: A Excellent Financial Strength |
MetLife scores 76 out of 100 with Consumer Reports, indicating favorable customer reviews. A.M. Best also gives the company an “A” rating for superior financial strength, which helps guarantee its stability and claims-handling ability. As such, MetLife does have the average number of complaints, which is critical in evaluating its overall customer service.
Comment
byu/Big_Goal97 from discussion
indubai
In a Reddit user-shared experience, the user shared their experience with MetLife insurance on Reddit, that they had no amount paid till date in AHD for any surgeries. Clearly, this speaks well of MetLife’s coverage and service, particularly their full coverage auto insurance, a great deal of coverage for just about any circumstance.
My experience with MetLife after a minor accident claim went smoothly anytime. Their customer service was very responsive, and the roadside assistance coverage was a lifesaver when my car broke down later. It eased me with instant assistance and peace of mind, made it super easy.Aremu Adams Adebisi Feature Writer
There it is, a shining endorsement of the advantages of going with trustworthy insurance companies such as MetLife, so that you ensure you can get needed medical procedures without financial pressures.
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MetLife Auto Insurance: Comprehensive Coverage and Competitive Rates
MetLife’s auto insurance policies include all standard options — liability, collision, and comprehensive coverage — with rates averaging about $68 per month. For many, the company offers discounts available to safe drivers, multi-policy holders, and good students, making it an affordable option.
Rates are affected by factors including your age, gender and driving history, and for older and female drivers, MetLife is competitively priced. With a reputation for good customer service and an A+ financial rating, MetLife is a solid insurer, earning a spot as one of the best auto insurance companies for roadside assistance as well.
To find out if you qualify for cheaper auto insurance rates, and to compare quotes from different companies in your area, enter your ZIP code into our free quotation tool above.
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Frequently Asked Questions
What do MetLife auto reviews say about their coverage and customer service?
MetLife auto reviews highlight the company’s competitive rates, flexible coverage options, and strong customer service. Customers appreciate the ability to manage policies online, as well as the discounts offered for safe drivers and multi-policy holders.
How does MetLife auto insurance compare to Geico in terms of coverage and rates?
When comparing MetLife vs. Geico, both companies offer affordable rates and strong coverage options, but Geico is often noted for its lower premiums, especially for younger drivers. MetLife stands out for its additional coverage features and discounts for multi-policy holders.
Compare your auto insurance options by getting quotes using our free comparison tool above.
Is MetLife auto insurance good for drivers in Michigan?
MetLife offers auto insurance in Michigan with competitive rates and reliable coverage options, including liability, collision auto insurance, and comprehensive coverage. Customer feedback in Michigan tends to be positive, with many drivers praising MetLife’s responsive claims process.
How does MetLife car insurance perform in Michigan compared to other providers?
MetLife car insurance in Michigan offers competitive premiums but stronger coverage; rates are slightly higher, but there are benefits like responsible driver discounts. You should compare quotes with other insurers to ensure you have the best deal.
How do I get a MetLife car insurance quote?
To get a MetLife car insurance quote, visit their website or contact an agent to provide details about your vehicle, driving history, and desired coverage. Comparing this quote with other insurance providers can help you find the most competitive rates for your needs.
Is MetLife a good insurance choice for drivers looking for competitive rates?
Yes, MetLife offers competitive rates, especially for clean driving records or multi-policy discounts. However, for cheap auto insurance with a bad driving record, you may find better options with other insurers.
How does MetLife compare to State Farm in terms of customer service?
MetLife vs. State Farm shows that both companies have a strong customer service reputation, but State Farm tends to have slightly better overall satisfaction ratings. MetLife’s customer service is well-regarded, with options for both online tools and local agents, but State Farm’s extensive network and availability often lead to higher marks for service.
How does MetLife stack up against Safe Auto in terms of affordability?
Safe Auto usually has cheaper rates than MetLife — particularly for low-coverage drivers — in our MetLife vs. Safe Auto comparison. Meanwhile, MetLife provides more comprehensive coverage options and additional discounts, which come with extra coverage compared to competitors offering lower premiums.
What are the key differences between American Family and MetLife auto insurance?
American Family vs. MetLife presents a choice between two reliable insurers, with American Family often offering more customized options and higher levels of customer satisfaction. MetLife offers more coverage options, such as roadside assistance and gap insurance, which covers the gap between what you owe on your loan and the value of your car’s worth in a total loss.
How does MetLife compare to Travelers for auto insurance coverage?
MetLife vs. Travelers offers different advantages depending on your needs. While Travelers might offer better rates for certain drivers, MetLife’s plans are customizable with flexible coverage. It can be useful to gauge both providers against your driving history and coverage preferences.
Does MetLife offer motorcycle insurance?
Yes, MetLife sells motorcycle insurance through Farmers Insurance. MetLife also offers similar motorcycle insurance coverage that can cover accidents, theft, and injuries, bringing peace of mind to riders who want to find reliable motorcycle insurance coverage.
How does MetLife compare to Amica in terms of coverage and rates?
When comparing MetLife vs. Amica, both insurers offer comprehensive coverage options, but Amica is often noted for its customer satisfaction and discounts. MetLife offers discounts like safe driver and multi-policy options, while Amica, though slightly higher in premiums, is known for excellent customer service. Both are among the best auto insurance companies for multiple vehicles.
How do Allstate and MetLife stack up against each other for auto insurance?
Allstate vs. MetLife shows differences in pricing and customer service. While Allstate might have more affordable rates for some drivers, MetLife is often favored for its flexible coverage options and strong financial stability. Comparing both can help you decide which provider offers the best value for your needs.
What types of coverage are available with MetLife automobile insurance?
MetLife car insurance provides a variety of coverage types including coverage for liability, collision, and comprehensive. Additionally, the company offers roadside assistance and uninsured motorist coverage, so drivers get covered whether on the road or off.
What are the main differences between MetLife and Safeco auto insurance?
MetLife vs. Safeco reveals differences in pricing and coverage options. Safeco is ideal for those seeking the cheapest liability-only auto insurance, while MetLife offers more flexibility with added features like roadside assistance and gap coverage.
How does Progressive compare to MetLife in terms of auto insurance rates and coverage options?
Both providers offer competitive rates and coverage options when comparing Progressive vs. MetLife. Progressive Snapshot is a well-known program that helps safe drivers get discounts, and MetLife offers strong service and lots of discounts on policies. Compare quotes to decide which is best for you, but also consider your specific needs.
What is the MetLife auto phone number for filing a claim or managing my policy?
To manage your MetLife auto insurance policy or file a claim, you can contact MetLife’s auto phone number at 1-800-854-6011. Their customer service team is available to assist with any questions or claims.
What is the cheapest MetLife car insurance option available?
The most affordable MetLife car insurance usually varies based on your driving record, type of vehicle, and location. Typically, minimum coverage is the most affordable, with auto insurance premiums starting around $68 per month. However, it’s a good idea to get a personalized quote to find the lowest possible rate for your situation.
What are customer opinions about MetLife auto insurance?
MetLife opinions from customers vary. But some reviews point out that premiums may be higher than at other providers. Comparing customer feedback with your coverage requirements will be a critical factor as well
How can I benefit from MetLife roadside assistance in case of an emergency?
MetLife roadside assistance is an optional add-on coverage that can help during emergencies like flat tires, lockouts, or breakdowns. If you’re enrolled in this service, you can get help by calling MetLife’s roadside assistance number (1-800-854-6011) to request assistance and ensure you’re covered on the road.
Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
NickDigi55
RUN AWAY!!!!
kvothe
Met Life
angie304
Metlife
0962550901
[REDACTED ADDRESS]
NJAJ
Good Auto insurance for 1st time buyer
johnrandy007
good
Watson
Great Metlife
cyberkisses
Nice!
Lilfurly004
terrible service
jef_thom
pleased