How to cancel MetLife car insurance |

How to cancel MetLife car insurance

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

End your policy by phone or email. But watch out for potential fees.

Leaving your current insurance provider to pursue a policy elsewhere can be an intimidating process. But knowing when and how to cancel your MetLife policy could help you avoid both a lapse in coverage and a penalty.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Metlife’s cancellation policy

MetLife doesn’t specify its official process for canceling a policy. Nor does it mention any cancellation fees you might face. Your best bet is to review your policy documentation to determine if it includes information about terminating your policy before the end of your term.

Customers online say that after canceling an auto policy with MetLife, they were billed for at least the next month’s premium. In some instances, MetLife offered to mail a refund, but it’s unclear how much this refund covered or even the process required to get one.

How do I avoid paying MetLife’s cancellation fees?

Keeping in mind MetLife’s lack of transparency about the cancellation process, potential fees may lurk in your policy’s fine print. If you see a fee mentioned, ask your MetLife agent how you might be able to avoid it.

The safest way to avoid cancellation fees with a provider is to wait until your policy’s term expires.

How can I cancel my policy?

MetLife allows you to pay premiums and monitor your account online, but you can’t cancel your policy online. To cancel your car insurance policy, you must call, email or visit a MetLife representative.

Info you’ll need to cancel your policy

In your written notice of cancellation, include:

  • Your full name, address and phone number.
  • Your MetLife policy number.
  • The date and hour you’d like your coverage to end.

What’s the best way to cancel Metlife car insurance?

If you’ve found a stronger provider for your needs or otherwise want to cancel your policy immediately, your quickest option is to call MetLife. But prepare to wait on hold, as MetLife’s customer service has a reputation for being slow.

Cancel by phone

Cancel your policy by calling a representative toll-free at 800-422-4272.

You might be hit with a sales pitch from MetLife to get you to keep your current policy, so prepare for persistence.

Cancel by email

To avoid speaking with a representative, start the process of canceling your policy through MetLife’s secure online form:

  • On MetLife’s website, click Contact Us. Then click Email Us.
  • Enter your policy number and contact information as indicated. In the Question/Comment box, indicate that you’re interested in canceling your policy with MetLife, and add the date and time you’d like your policy to end.
  • A MetLife representative will respond to your request within a day with next steps.

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Cancel in person

If you live near a MetLife Auto & Home office, visit an agent in person to cancel your policy.

Find an agent near you through MetLife’s online agent search directory.

When is the best time to cancel or switch car insurance?

Unlike with other contracts, you have a right to cancel your car insurance policy at any time, even if you’re in the middle of a term. No matter your circumstance, it’s a good idea to have your new car insurance policy in place before you cancel.

A convenient time to cancel your policy is when it’s up for renewal. Canceling at the end of your term can help you avoid potential fees while ensuring a smooth transition to your new provider.

If you’re canceling because you’ve found a cheaper policy elsewhere, make sure that any potential fee you face for canceling your existing policy early doesn’t make it a wash.

Can I cancel at any time?

Yes. But deciding to cancel your policy doesn’t mean you can simply stop paying your premiums.

You must inform MetLife that you intend to cancel your policy and receive confirmation of the cancellation before moving on. Otherwise you could have a lapse in coverage or see higher future premiums from your next provider.

What should I consider before canceling my policy with Metlife?

When deciding whether to cancel your policy or wait out the term, here’s what to ask:

  • Do you have a new policy in place? It’s illegal in most states to drive without auto insurance. When you’re ready to make the switch, make sure your new policy is in place first.
  • Do you have upcoming plans for a new vehicle? If you’re considering switching up your set of wheels, you might want to hold off switching providers. The vehicle you choose will likely affect your rate.
  • Where are you in your current policy term? You can switch at any time, but waiting until the end of your current term makes for an easier transition between providers, potentially saving you penalty fees.

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Should I cancel or adjust my policy?

If you’ve had a poor experience with MetLife or simply want to take advantage of a stronger offer elsewhere, there’s nothing wrong with canceling your policy. However, you may not need to cancel your policy outright.

If you’re looking to save money, you might be able to adjust your current coverage with MetLife. That way, you’d keep any discounts you earned as a longtime customer.

Alternatives to Metlife

If you’re ready to leave MetLife, plenty of other providers can keep you covered.

  • State Farm. This big-name provider not only offers nationwide coverage but boasts superior customer service.
  • Esurance. This digital provider offers tech-savvy perks for members, such as a mobile app and 24/7 claims service.
  • Geico. Military members, students and clean-slate drivers all enjoy discounts with this well-known national provider.

Compare car insurance providers

Name Product Roadside assistance New car protection Available states
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Included free
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Yes, cars under 1 year old & 15,000 miles
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

Compare up to 4 providers

Find the cheapest rates

Compare the best car insurance companies near you.

Your information is secure.

Bottom line

Switching insurance providers can be anything but straightforward. But it’s your right to take your business where you please.

If you’re ready to end your current policy with MetLife, compare new policies before calling or emailing to make the switch. Other car insurance providers might be able to offer the coverage you need at a cheaper rate.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
Go to site