Review
Updated
This auto insurer is a good fit for: Drivers with a recent accident history.
Please note: MetLife no longer offers home and auto insurance. The Farmers Insurance Group is now responsible for MetLife Auto & Home's policies. Current policyholders will need to work with Farmers moving forward. The information in this review is relevant only to former MetLife policies.
Check out our Farmers insurance reviews:
- Read Farmers auto insurance review
- Read Farmers homeowners insurance review
Best for drivers with a recent accidentMetlife
Rating image, 2.50 out of 5 stars.
2.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Full MetLife auto insurance review
Pros
- MetLife's accident surcharge is reasonable
- Discounts for good drivers who use a tracking app
- Coverage options for aftermarket add-ons
Cons
- Fewer discount options than some competitors
- Cumbersome online quote process
- Customer service could be improved
MetLife auto insurance at a glance
Monthly premium costs:
- 35-year-old female with clean driving record: $128.96
- 35-year-old male with clean driving record: $$159.53
- 35-year-old female with one accident: $205.13
- 18-year-old male with clean driving record: $376.31
Coverage options:
- Bodily injury liability
- Property damage liability
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Custom equipment coverage
- Roadside assistance
- Rental car reimbursement
Top perks
Affordable premiums for drivers with imperfect records
MetLife was less expensive than some competitors for drivers who had a recent at-fault accident on their record. While all insurers charge more for motorists with accidents, MetLife's surcharge was smaller than the one imposed by Geico and several other big name insurers. Those looking for the best cheap auto insurance with an imperfect driving record should consider MetLife.
Discounts for good driving
MetLife offers motorists the opportunity to reduce premiums if they use the My Journey program to track their driving habits. This can provide considerable savings, making MetLife's premiums more affordable.
After-market add-ons are covered
MetLife's custom equipment coverage will pay to repair or replace after-market add-ons on a vehicle (like an upgraded stereo system) when the driver suffers a loss. The custom equipment coverage includes navigation systems, custom spoilers, custom paint jobs, wheels and grills, and more. Policyholders can choose how much after-market coverage they need, but $2,000 worth of coverage added nothing to the policy's premium costs.
What could be improved
A better overall rating
MetLife received just a B- rating from the Better Business Bureau and it is not BBB accredited, as some of the best car insurance companies are. It also failed to earn top marks in overall customer satisfaction from J.D. Power & Associates, coming in behind NJM Insurance, Amica Mutual, Auto-Owners Insurance, and The Hartford.
Alternatives to consider
Amica Mutual
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Best
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= Excellent
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= Good
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= Fair
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= Poor
= Best
= Excellent
= Good
= Fair = Poor
When looking for an auto insurer who offers top-notch customer service: Amica Mutual was ranked well above MetLife. However, keep in mind that Amica may be more expensive than MetLife for some drivers, especially those with an accident history.
Monthly premium costs
MetLife did not provide quotes in our representative market. Using an alternative but similar location, these were the insurance premiums the company offered to motorists fitting our driving profiles.
| 35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
|---|---|---|---|
| $128.96 | $159.53 | $205.13 | $376.31 |
Data source: The Ascent's analysis of standardized personas.
Discounts available
MetLife doesn't offer as many discounts as some competitors, but does provide savings in certain situations. Discounts are available for:
- Good drivers
- Automated payments
- Bundled coverage
- Involvement with certain organizations or associations
Coverage options
Policy types
- Auto
- RV
MetLife offers fewer policy types via its website than other insurers, with only auto and RV coverage listed under the company's online products.
Coverage types
- Bodily injury liability
- Property damage liability
- Uninsured/underinsured motorist
- Collision
- Comprehensive
- Custom equipment coverage
- Roadside assistance
- Rental car reimbursement
MetLife's custom equipment coverage comes standard with policies and provides up to $2,000 in protection for after-market add-ons such as custom paint jobs or stereos. Motorists also have the option to add additional coverage for these customizations for a small additional fee.
Customer service and ratings
MetLife failed to earn top marks from J.D. Power & Associates on overall customer satisfaction, or on its website. It also received just a B- rating from the Better Business Bureau. Getting quotes was much more cumbersome online, especially compared with competitors such as AAA that offer a much better website user experience and faster online quotes.
This auto insurer is best for:
MetLife is best suited for:
- Drivers with an imperfect driving history who want to pay the most affordable premiums
- Motorists who are part of an organization that entitles them to MetLife discounts
- Drivers with custom add-ons to their vehicles that they want covered
But drivers may want to consider AAA insurance if they want an easier, faster online quote process or Amica Mutual if top-notch customer service matters most.
Our Insurance Expert
Christy Bieber is a full-time personal finance and legal writer with more than a decade of experience. She has a JD from UCLA as well as a degree in English, Media and Communications with a Certificate in Business Management from the University of Rochester. In addition to writing for The Ascent and The Motley Fool, her work has also been featured regularly on MSN Money, CNBC, and USA Today. She also ghost writes textbooks, serves as a subject matter expert for online course design, and is a former college instructor.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
Christy Bieber has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Target. The Motley Fool has a disclosure policy.