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Discover our in-depth MetLife Auto Insurance review for 2024. We break down rates, coverage options, discounts, and customer experiences. While affordable, service issues persist. See if it fits your needs or explore top alternatives for better reliability.
Quick Pick
Best Overall Auto Insurance: For superior customer service and broad coverage, check our top-rated options in our Best Auto Insurance guide. MetLife may work for budget shoppers, but alternatives often outperform in claims and support.
MetLife Auto Insurance, provided through its affiliates like Metropolitan Property and Casualty Insurance Company, offers standard car insurance policies tailored for everyday drivers. Available in just 11 states plus Washington D.C., it's not a nationwide provider, which limits its reach compared to larger competitors. In 2024, MetLife scores an average customer satisfaction rating of 1.3 out of 5 based on aggregated feedback from hundreds of policyholders, highlighting strengths in pricing but weaknesses in service delivery.
This review dives into MetLife's coverage, rates, discounts, and real-user insights to help you decide if it's the right fit. We'll compare it head-to-head with market leaders and suggest actionable steps for getting quotes.
To give you a clear picture, here's a side-by-side comparison of MetLife against popular auto insurers. Ratings are based on customer feedback metrics like claims handling (out of 10), availability, and average annual full-coverage premiums for a 40-year-old driver with good credit (national averages, 2024 data).
| Feature | MetLife | Progressive | State Farm | Geico |
|---|---|---|---|---|
| Customer Rating (/5) | 1.3 | 4.2 | 4.5 | 4.1 |
| States Available | 11 + DC | 50 | 50 | 50 |
| Avg. Full Coverage | $1,450/year | $1,600/year | $1,550/year | $1,400/year |
| Claims Speed Score | 4.2/10 | 8.1/10 | 8.5/10 | 7.9/10 |
| Bundling Discount | Up to 15% | Up to 20% | Up to 17% | Up to 25% |
| Accident Forgiveness | Yes (add-on) | Yes | Yes | No |
| Roadside Assistance | Yes | Yes | Yes | Yes |
Data sourced from industry benchmarks and user surveys. Rates vary by location and profile.
As the table shows, MetLife shines on affordability but lags in customer service and geographic coverage. For broader options, explore our Best Auto Insurance recommendations.
MetLife provides a solid lineup of coverages to protect your vehicle and finances:
These options score well for customization—MetLife earns a 7.8/10 for policy flexibility—but execution often falls short in claims processing, averaging 25-30 days vs. industry 14-day standard.
Check rates and coverage details in our Best Auto Insurance guide for personalized fits.
Overall, MetLife suits low-mileage drivers in supported states seeking cheap basics, but high-risk or service-focused shoppers should look elsewhere.
MetLife offers 10+ discounts averaging 20-30% off premiums:
Pro Tip: Bundle early—users save $300+/year on average. Compare your potential savings via our Best Auto Insurance tool.
From recent surveys (n=500+), themes emerge:
Service scores: Agents (3.1/5), app usability (4.0/5), claims (2.8/5). For deeper MetLife insights, see our MetLife Disability Insurance Reviews 2024 and MetLife Long Term Care Reviews.
Best For:
Avoid If:
Actionable Advice: Get 3+ quotes. Use discount eligibility quizzes. Monitor policy annually.
Our Recommendation: If MetLife doesn't align, discover reliable picks in Best Auto Insurance.
Enhance your protection:
Yes, as an add-on after 3-5 claim-free years, covering one at-fault accident without rate hikes.
Limited to 11 states + DC; check eligibility via quote tools or our Best Auto Insurance for alternatives.
Around $1,450/year for full coverage—10% below average—but shop around as it varies.
Mixed; 1.3/5 average due to slow responses. Peers like State Farm score 4.5/5.
Yes, up to 15% savings—great for existing MetLife home policyholders.
No dedicated coverage; consider alternatives for Uber/Lyft drivers.
