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MetLife Auto Insurance Review

8 Customer Comments & Reviews - see all comments
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MetLife is one of the largest insurance providers in the world. Founded in New York in 1868, they operate in over 50 countries, with a wide array of products and services, including auto and life insurance.

Their policies adhere to the tenets of financial savings, top-notch coverage, and convenient account management.

How is MetLife rated?

Breakdown

4.5/5
Coverage
5.0/5
Financial Strength
0.0/5
Supplemental Coverage
4.5/5
Pricing & Discounts
4.5/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4.4 / 5 (Excellent)

Despite MetLife's considerable size, longevity, and name recognition; their coverage, discounts and financial ratings are fairly average.

This doesn't mean that MetLife is a poor choice for car insurance, however, as their sheer amount of time in business is a testament to their strengths.

However, it may be wise to compare their quotes with others in the industry.

MetLife Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Glass

Coverage - 4.5 / 5

With almost the same array of coverage options as its competitors in auto insurance, MetLife has a tough time standing out.

The same holds in the realm of additional benefits, where glass repair, rental car reimbursement, and towing & labor costs are the options available.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.0
NAIC Total Complaints 2020
3

Customer Ratings

BBB Rating
C-
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
21
Date Collected
2017-11-10
*The NAIC Car Insurance complaint ratio (in this case 0.0) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 4.5 / 5

We determined MetLife’s customer experience by evaluating its 3rd party ratings and averages.

The auto insurance industry is rife with complaints, and MetLife is no exception, with a C- rating from the Better Business Bureau.

Taken together, this indicates that their customer satisfaction levels have considerable room for improvement.

Financial Strength

Key Details

Premiums Written 2020
$2,339,246,162
Marketshare
1.09%
AM Best Financial Rating
A
Standard & Poor's Financial Rating
A+

Financial Strength - 5 / 5

MetLife has more than a century in business, underwrites their own policies, and possesses solid financial ratings with all the premier financial rating institutions.

Their outlook as far as claims paying ability is solid into the conceivable future.

Pricing & Discounts

Discounts

  • Safe Driver
  • Student
  • Bundled Policy

Pricing & Discounts - 4.5 / 5

Compared to nearly all of its competitors, MetLife offers remarkably few discounts. Though these do include bundled policies, safe driving, and student discounts, the limited number makes certain that not everyone will qualify for one.

Contact & Additional Information

Homepage URL
Company Phone
(800) 638-5433
Headquarters Address
200 Park Ave, New York, NY, 10166
Year Founded
1868

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8 Customer Comments & Reviews

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thertfairway
8/13/2020
I have been a customer of Metlife for 15 yrs, having auto and home insurance with this company. My most recent experience was less than satisfying. I called to get a rate on a 2nd car and was quoted a good rate. I didn't need it to start until the first of the month, two weeks forward. When I called back (6 days later) they said "oh the rate has changed" in my opinion a classic bait and switch, which I believe is illegal. I will be canceling my auto and home policy of this illegal activity.


Sheniqua P
8/28/2019
I called to get a FS-1 form sent to the DMV. I was told at first it would be there by 2:30, after that I spoke with a lady that stated she could expedite it. All the while my aunt is standing in the DMV waiting on it . I then call back at 2:45 and they tell me that they sent it check now of course it still not there and then they say check now it says it was sent at 2:57 still not there I speak with another lady named Nell ID 4##SITEL^K and she states that it cant be faxed or emailed. I explained to her that no one informed me of that. So she then tells me to tell the DMV to check the data base it is now 3:32 as Im typing and it still has not been received. This was one of my worst... Read More


M
Michelle S
7/11/2019
Awful customer service! We cancelled after 25 year of being a customer! When we cancelled-they charged a short rate-double our monthly rate! Also, we had one homeowner claim in 25 years of insurance and they doubled our homeowners! We were paying $470 a month-now we're with State Farm paying $290!!! So happy to say Good Riddance to METLIFE!!!


H
Heather
7/6/2019
MetLife DIRECT Auto Insurance is THE ABSOLUTE WORST COMPANY I HAVE EVER DEALT WITH. They canceled my insurance my with no notice, communication, and nothing. I was actually driving around for a month without knowing I wasn't covered. They said they notified me, but there was not one email from them. They are absolutely unprofessional, reckless, and irresponsible. STAY AWAY FROM THIS COMPANY.


sandy m
11/16/2018
In October 2018 I was quoted a premium of $95.38 every two weeks by payroll deduction, I work for World Travel Holdings we have several group polices through Met Life. My policy started October 10, 2018 and the payroll deduction also. On November 9, 2018 I received a payroll deduction of $131.80 with out notice. I called and was told my marital status changed from married to single, I have never been married a day in my life. I canceled my previous insurance with penalty to go with Met Life because of the faith my employer has in you and I have Dental Insurance through your company also have for 8 years. Met life refuses to knowledge fault or honor my quoted and contractual agreement of $... Read More


S
sportnuttzz
9/17/2018
MetLife Auto Insurance review I had a hit and run at a hotel. I spent 6 hrs getting a video of the accident, gave them a name and number on the responsible party, sent the file several times because they have no technology, and even waited 2 extra hours waiting to do a worthless police report. After the first 10 days, the claims specialist completely forgot me. I gave proof and gave them everything they needed and she made a couple of calls and just said they didn't call her back. I called several times and sent many emails with no reponse. We spend thousands of dollars in car insurance annually and they do nothing to find the responsible person. I now have to pay my deductable, spent... Read More


D
Disgusted
7/28/2018
Worse experience I have ever had with an insurance company. I haven't even had them a month and already canceling. They can't get the billing correct, billed both myself and the mortgage company - can't seem to get it straighten out. My advice is don't walk away, run!


B
Bob T
3/1/2018
Just switched from MetLife as of today and will be saving over $3100.00 per year in Auto Insurance. All of the other major companies beat what Metlife was charging me by at least $2500.00 per year. They were gouging us badly...!



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