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finder.com's rating: 4 / 5
★★★★★
States served | All 50 states |
---|---|
Roadside assistance | Included free |
Accident forgiveness | No |
New car protection | Yes |
Pay schedule | monthly |
Claims methods | Online, Phone |
Rideshare coverage | Yes (California, Colorado, Illinois, Texas and Washington) |
SR-22 support |
No info available |
Anti-theft device discount | Yes |
---|---|
Bundling discount | Yes |
Defensive driving discount | Yes |
Good student discount | Yes |
Loyalty discount | Yes |
Homeowner discount | Yes |
Military discount | No |
Safety device discount | Yes |
Special employment discount | No |
Usage-based discount | Yes |
MetLife offers customers the option to get coverage instantly through its MyDirect platform, a huge benefit if you need insurance right away. MyDirect lets you get a quote, buy and manage your policy 100% online. To get started:
Unfortunately, MyDirect availability is limited. You may need to start your application online, then purchase coverage by calling Metlife at 800-422-4272.
MetLife offers a number of auto insurance discounts that help keep prices competitive, including its deductible savings that you won’t find with every company.
Availability of each discount may vary, so we recommend speaking with a MetLife agent to find out how you can save on your auto insurance policy.
Besides MetLife’s standard insurance coverage, it also offers a number of add-ons and features that offer extra peace of mind after an accident, such as its $0 deductible for repairing or replacing your windshield.
MetLife Inc. holds an D- rating from the Better Business Bureau (BBB). Customers leave the company with a composite score of 1.09 out of 5 stars on the BBB site. Customers complain about the company’s refusal to pay claims, rate increases, and unexpected billing charges.
However, it’s not uncommon for customers to leave insurers negative reviews and file complaints after a negative experience, while not following up after a positive experience.
In the 2020 J.D. Power Auto Insurance Satisfaction study, both MetLife and Farmers rank below average for customer satisfaction in most regions, except in North Central states where Farmers scores right at the region’s average. For claims satisfaction, MetLife ranks No. 5 of 24 insurers surveyed, and Farmers ranks No. 10.
AM Best financial rating | A+ |
BBB accredited | No |
BBB rating | D- |
Trustpilot score | 1.6/5 out of 194 customer reviews |
Customer reviews verified as of | April 2022 |
Our car insurance experts rated MetLife with 4/5 stars because the company offers a wide list of coverage and available discounts, including new car replacement and 20% off for drivers who stay accident- and violation-free. However, its rating from the BBB and its average to below-average customer ratings do bring down its overall score.
Get all the necessities covered that you’d expect from any car insurance company.
Whether you’d prefer to reach out via phone, online or in person, you can find all contact information on the contact page, which you can find under the support tab on the top ribbon of the MetLife home page.
For individual policies, call 800-422-4272. If it’s a policy purchased through your employer, call 800-438-6381.
Or reach MetLife on twitter @MetLifeCares for general policy assistance. If you’ve filed a claim and want to check your claim status, direct-message MetLife on twitter with your name, policy number and ZIP code.
Filing an auto insurance claim with MetLife is easy, and depending on your location, you may be able to do it online or through the mobile app.
Online using MyDirect
If MyDirect is available in your state, filing online is as easy as these four steps.
By phone
If MyDirect is unavailable in your state or you’d prefer to speak with an agent, you can start the claims process by calling 800-854-6011. The line is open 24/7, 365 days a year.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze the best car insurance providers and rate them one to five stars based on factors that are most important to you.
Review by
Sarah George is a staff writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.
MetLife offers solid coverage with helpful add-ons like new car replacement and special parts coverage if you want better than aftermarket parts during repairs. It also offers no-deductible glass coverage to repair cracks in your windshield at no extra cost to you.
While MetLife isn’t at the bottom of the customer service barrel, it does see below-average customer satisfaction scores and reviews. Metlife Auto and Home has recently been acquired by Farmers Insurance, which has similar customer satisfaction rankings to Metlife. As a plus, both companies see high claims satisfaction.
The main reason to go with Metlife is that you’re a safe driver and can score cheaper rates than with other companies. But if you’re looking for a wider list of perks or top-tier customer service, you probably can find your best fit with another company.