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Metlife Car Insurance

Smart Score

70

Industry Average: 75

Smart Score

70
/100

Industry Average: 75

Customer Service

6.9
/10

Industry Average: 7.7

Claims Process

7.3
/10

Industry Average: 8

Value for Price

6.3
/10

Industry Average: 7

Metlife Overview

MetLife, founded in 1868, is among the 20 largest auto insurance companies in the United States, and it also offers home and many other insurance products. If you want to find a bundle with a policy that is rarely offered by others, this might be a good choice. For home and auto, MetLife offers several coverage options that will pay the full cost of replacing damaged property, policies can share a single deductible, and, in many cases, policies include identity theft protection for no additional cost.

Lines of Business:

Metlife Ratings Breakdown

Smart Score

70

Metlife: 70
Industry Average: 75
Metlife: 70
Industry Average: 75

Why our Smart Score matters

Metlife’s Smart Score of 70 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Metlife’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 70, Metlife sits near the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

6.9

Metlife: 6.9
Industry Average: 7.7
Metlife: 6.9
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Metlife’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Metlife’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Metlife’s service score of 6.9, they have a weak rating compared to similar auto insurance companies, which clock in at an average of 7.7.


The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 6.2 and 7.6. With those narrow bounds, we’re confident about the accuracy of their 6.9 rating.

Claims Process

7.3

Metlife: 7.3
Industry Average: 8
Metlife: 7.3
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Metlife. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Metlife handles it.


Metlife’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Metlife.


What does this mean for you?

Evident from a claims score of 7.3, Metlife has a less stellar rating compared to the average claim score of 8 for similar auto insurance companies.


The ratings between sources vary a bit. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 6.1 and 8.5. With those moderate bounds, we’re pretty confident about the accuracy of their 7.3 rating.

Value for Price

6.3

Metlife: 6.3
Industry Average: 7
Metlife: 6.3
Industry Average: 7

Metlife’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Metlife comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Metlife’s value for price score of 6.3 is not great compared to the average of 7 from other auto insurance companies.

The ratings between sources are pretty consistent. Calculating with the given range and number of sources reporting, we’re almost certain the true score lies between 5.3 and 7.3. With those narrow bounds, we’re confident about the accuracy of their rating.

Metlife Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints Metlife has than average. With an index of 1.18 Metlife is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Metlife has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Metlife has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 1.18 Metlife is worse than average.

Customer Reviews

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100%

of customers would reccomend this company to a friend

10 customer reviews

James V

Auto Customer

My insurance company has always been helpful and quick to respond to any questions or issues. My car was parked in a parking deck and someone had hit it from behind. I called when I came back and saw the damage. My insurance required pictures and recommended me a shop. I just paid my deductible and it was fixed within the month which was a quick turn around.

Price Value: 4

Claim Satisfaction: 5

Customer Service: 5

Recommend: yes

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Linda Osborn

Auto Customer

calling them instead of having our insurance agent call after an accident was the best choice. they immediately started taking action and fully explained the process and what our next step should be. They took care of everything including interacting with the at fault insured.

Price Value: 2

Claim Satisfaction: 4

Customer Service: 4

Recommend: yes

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Kevin S

Auto Customer

My car was totaled. Even though it was the other person's fault (it was parked, I wasn't in it), I reported it to my insurance company. They took care of everything, from getting my car towed, getting a loaner car, setting up a auto body shop of my choice, negotiating with the auto shop, providing communication and reimbursing me for all out of pocket expenses--even though this should have been handled by the other insurance company.

Price Value: 3

Claim Satisfaction: 3

Customer Service: 3

Recommend: yes

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Marc O

Auto Customer

We had a water leak and it damaged our hardwood floors. The claims adjuster was professional and the customer service was super responsive and we got a check to fix the kitchen within a week. Even after they called an asked if what we received was adequate and if it was not we could file to claim more money, but it wasn't necessary. I have only had to call a few times and always responsive and professional. I would rate them a 10 but their prices or premiums are a little higher than some others but not too bad.

Price Value: 3.5

Claim Satisfaction: 5

Customer Service: 5

Recommend: yes

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Katie M

Auto Customer

They were really easy to get set up with, answered all my questions and spent nearly an hour on the phone getting the new policies set up. They have been easy to get ahold of through email, and were willing to give a discount when I wasn't driving to work because of the pandemic. When I wanted to change my info from payroll deduction to ACH through my bank account, though, they just emailed me a form to fill out and then fax or email it back to them. I thought this should be something that could be done online and was more work than it should have been.

Price Value: 3.5

Claim Satisfaction: n/a

Customer Service: 3

Recommend: yes

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Danielle G

Auto Customer

I've never had to really file many claims so far, but the cost is affordable. Generally it doesn't take very long to get through to a customer service representative on the phone. Overall, they seem to be a very customer-focused insurance company, as they have even let me know when I was overcharged before & gave me some of my money back.

Price Value: 3.5

Claim Satisfaction: 2

Customer Service: 4

Recommend: yes

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Metlife Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Metlife

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Original Equipment Manufacturer Coverage

Helps ensure aftermarket parts will not be used when repairs are made to your vehicle

Glass Coverage

Protects the cost of fixing or replacing a broken windshield.

New Car Replacement Coverage

Pays the value of a brand new car of the same make and model of the your car if your car is declared a total loss.

Legal Defense Costs Coverage

Helps cover the costs of lawsuits arising from an accident.

Metlife availability in these states

Metlife Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Metlife has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

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How does Metlife compare to other insurance companies? Click the following links below to compare Metlife to other top insurance companies.

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