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  MetLife Auto Insurance

MetLife Auto Insurance

in Auto Insurance from MetLife

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MetLife Auto Insurance

Unaffiliated

in Auto Insurance from MetLife

Net Recommendation Score +100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Financial Strength Rating A

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
Pros Cons
  • 24/7 Phone availability
  • Locally available agents
  • Emergency roadside assistance
  • Rental car coverage
  • Generous with policy discounts
  • No free policy cancellation
  • Does not offer digital claims reporting
  • No accident forgiveness
  • No ridesharing coverage
  • No transport trailer coverage
  • No travel expenses or trip interruption coverage
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 offers the following types of car insurance coverage options:

  • Bodily Injury Coverage: This insurance pays for your legal defense and for the costs associated with injuries to other people involved in an accident. 
  • Property Damage Coverage: Usually, this insurance will look after the property damage you cause to another vehicle or property when at fault in an accident.
  • Uninsured Motorist Coverage: The uninsured motorist rider covers the damages caused by a negligent driver who doesn't have an insurance policy.
  • Underinsured Motorist Coverage: This covers the damages caused by a driver who is at-fault but whose liability limits don't cover all the property damages and medical expenses of the accident.
  • Collision Coverage: Collision coverage is an optional policy that pays for the cost of repairing or replacing your vehicle after an accident. If you have an auto lease, the lender may require you buy collision insurance.
  •  Comprehensive Coverage:If your vehicle is damaged in an event other than a collision, comprehensive coverage will pay for the cost of the repair. Covered events include storms, floods, fire, vandalism, and theft.
  • Medical Payments Coverage: Medical payments insurance covers for the medical costs caused by an accident regardless of who is at fault. Most insurance policies will also cover funeral expenses.
  • Personal Injury Protection: Personal injury protection, also known as PIP, typically covers medical expenses, loss of essential services, funeral services, and loss of income. It is similar to medical payments coverage, or MedPay for short. The difference is that MedPay will only cover for reasonable medical expenses.

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 inurance 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.

  1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
  2. 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.

Message From MetLife Auto Insurance

Protect against the unexpected with customizable auto coverage that fits your life. MetLife Auto & Home’s auto insurance offers the best coverage options to fit your life and budget. Our drivers have saved an average of $562* per year. Quickly bounce back from the unexpected with roadside assistance, repair and referral networks, replacement coverage for total loss3 and identity theft protection services6
Choose from options like new car replacement3 or special parts replacement4, enhanced car rental damage coverage4, and more
Access to our customer service with personalized, 24/7 customer service, convenient options to access your account and submit claims anytime, anywhere. Help monitor and improve distracted driving with our My Journey® smartphone program. Save with good driver rewards, automated payment discounts and multi-product and policy savings. We also offer special discounts of 15%** on average based on where you work or associations you belong to. Find out if you’re eligible for MetLife Auto & Home® auto insurance benefits program today!

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Policy Discounts
  • Affinity Relationship
  • Claims Free
  • Defensive Driver / Safety Course
  • Good Student
  • Multiple Policy
  • Student Away at School
  • Young Driver Training
Vehicle and Equipment Discounts
  • Anti-Lock Brake System
  • Anti-Theft Devices
  • Internal Safety Features (Air Bags / Seat Belts)
Liability Vehicle Insurance
  • Bodily Injury Coverage
  • Property Damage Coverage
  • Uninsured Motorist
  • Underinsured Motorist
Medical Vehicle Insurance
  • Medical Payments Coverage
  • Personal Injury Protection
Vehicle Coverages
  • Comprehensive
  • Collision
Financial Strength Rating A
Carrier Features
  • 24/7 Phone Availability
  • Locally Available Agents
  • Mechanical / Auto Body Repair Network

MetLife Auto Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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