Last Updated: 04/18/2025
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A(Verified 04/18/2025)
MetLife Auto Insurance Review
MetLife is a car insurance carrier based in New York, NY. The insurance company was founded in 1868 and offers car insurance in 50 states (and Washington, DC).
If you're considering whether Metlife auto insurance is a good option for you, read on.
Metlife auto insurance Pros & Cons
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Metlife auto insurance FAQ
What types of car insurance coverage options does Metlife auto insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Metlife auto insurance customers can also add the following riders or endorsements to their insurance policies:
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Metlife auto insurance have roadside assistance?
Emergency Roadside Service available. Yes, MetLife offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Metlife auto insurance offer ridesharing insurance?
No, Metlife auto insurance does not offer ridesharing coverage as a rider or endorsement.
What benefits does Metlife auto insurance offer?
Metlife auto insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Metlife auto insurance offer?
When you ask for an insurance quote with Metlife auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Internal Safety Features: Metlife auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an insurance discount.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Metlife auto insurance.
How does MetLife calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and MetLife is no exception. However, you can be confident that Metlife auto insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Metlife auto insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Metlife auto insurance insurance quote?
- Visit the MetLife website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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MetLife Auto Insurance Community Reviews
Would you recommend MetLife Auto Insurance to your friends?
AG
Allyson G.
Mar 5, 2021
May or may not recommend
I have had MetLife insurance for years and love that I can call my local agent or meet with him anytime. He is accessible and knowledgeable and I have had good service with the minor claims that I have had.
Showing 1 of 1 reviews
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