Everything About a MetLife Car Insurance Quote
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Although it might not be the cheapest car insurance of the bunch, MetLife offers competitive discounts and has glowing customer ratings.
Considering an auto insurance policy with MetLife? Car insurance comparison shopping and broker app Jerry has compiled everything you need to know about your MetLife car insurance quote.
- Optional coverage
- Other providers
- Getting a quote
- Filing a claim
How much does MetLife car insurance cost?
On average, MetLife auto insurance is $1,848 per 12-month policy — or approximately $154 per month.
MetLife tends to offer the most affordable premiums for middle-aged and older drivers with clean driving records. If you’re a 45-year-old, you could pay around $76 per month.
For younger drivers, MetLife’s premium is above average. If you’re an 18-year-old, you can expect to pay closer to $247 per month for MetLife car insurance. Older adults enjoy a more reasonable rate; people between 55 and 65 pay approximately $80 per month for MetLife car insurance.
If you have one accident on your record, you might pay around $1,980 per year for full coverage. This number is quite a bit higher than other insurance providers, so MetLife may not be the most affordable option for people with traffic violations.
Remember, car insurance quotes will vary drastically depending upon your unique situation. Your age, your driving record, the type of vehicle you drive, and where you live are all factors that will influence your premium.
|Metlife pros||Metlife cons|
|Legal defense coverage if you are sued||No 24/7 live customer support|
|Major parts replacement coverage (tires, brakes, battery)||Expensive premiums compared to other companies|
|Coverage for auto, home, and more|
What types of basic car insurance does MetLife offer?
MetLife offers all the essential types of auto insurance in addition to several special types of coverage that you can only access through MetLife. Most MetLife car insurance quotes include these basic options:
Bodily Injury and Property Damage Liability
This covers any related medical fees or legal fees (up to your policy’s limit) if you’re at fault in an accident.
Liability coverage is a legal requirement in nearly every state. It includes two types of coverage: property damage liability coverage and bodily injury liability coverage. To protect yourself, it’s a good idea to get both.
If you’re in an accident with an at-fault driver who doesn’t have sufficient liability coverage of their own, uninsured/underinsured motorist coverage can protect you. In some states, this insurance is a legal requirement.
This is an optional add-on but it’s a great addition to your coverage. It covers the costs of medical or funeral expenses for you, your family, or your passengers — no matter who was at fault in the accident.
Take note that medical payment coverage is for you and your family, whereas basic liability coverage only applies to the other party.
If you’re involved in a collision with a vehicle or object, collision coverage helps cover the cost of replacing or repairing your car up to the limit of your policy. Most standard collision policies cover you for one-car rollovers, too.
MetLife’s comprehensive coverage will help you if your vehicle is damaged by external forces:
- Hitting an animal
- Other inclement weather / Acts of God
Optional coverage options
New Car Replacement
If your vehicle is totaled within 12 months of purchase (or before you drive it 15,000 miles), this will cover the cost to repair or replace your car.
Major Parts Replacement
Tires, batteries, and brakes are considered major parts — and this policy covers the cost to replace these parts in the event of an accident. Even better, it does not factor in the car’s depreciation. North Carolina drivers are not eligible for this coverage.
Deductible-Free Glass Repair
If you have a chipped or cracked windshield, this optional coverage allows you to waive your deductible and get it repaired.
Rental Car Reimbursement Coverage
If you need a rental car while your car is being repaired following an accident, rental car reimbursement coverage will pay for the cost (up to your policy limit).
Legal Defense Costs
If you are sued and summoned to court at MetLife’s request, this policy will cover legal fees and reimburse you for lost wages (up to $200 daily).
Lease/Loan Gap Coverage
If your car is totaled in an accident but you still owe payments on a loan or lease, gap coverage will cover the difference between the actual cash value and your remaining payments.
If you get in an accident more than 50 miles from home, this policy will cover up to $500 in non-medical expenses. For instance, it could pay for hotel reservations, transportation, and meals. To add this coverage, you also need to have comprehensive or collision coverage.
This optional coverage pays for the cost of roadside help such as:
- Tire repairs
- Emergency jump-starts
You can use this service on the road or at home, making this a great addition to your basic policy.
Custom Sound Equipment Coverage
If you added any aftermarket sound systems to your car, custom sound equipment coverage will protect them.
MetLife also offers special policies for people who drive commercial vehicles, classic cars, rideshare vehicles, motorcycles, boats, and other recreational vehicles. However, this coverage is not available in every state.
MetLife’s auto insurance discounts
Since MetLife focuses heavily on bundled policies, it doesn’t offer as many auto discounts as other insurance providers. But you can still enjoy some of the standard discounts if one of the below situations applies to you:
Deductible Savings Benefit
For every year that you don’t make a claim, you can earn $50 toward lowering your deductible when you do make a claim. This benefit is limited to $250, and it’s not available in all states. This is a great way to reduce your MetLife premium.
Usage-Based Insurance and MetLife’s MyJourney App
Sign up for MetLife’s app, MyJourney. If you receive a high driving score, you can get a discount. This program is available in 20 states and it tracks your driving behavior. You can get a discount of up to 25% just for enrolling, and you will enjoy a discount of up to **30% if you’re rated a safe driver.
Approved Defensive Driving Course
If you complete a MetLife-approved defensive driving course, you could enjoy a healthy discount on your monthly premium.
Enjoy a multi-policy discount if you bundle coverage with MetLife, such as adding home or life policies to your auto insurance.
Good Student Discount
Maintain a high grade point average and MetLife will reward you with a discounted premium.
Claim-Free Household Discount
If you and others on your policy do not submit any claims for five years, then you could get a discount.
Affiliated Organization Discount
MetLife has a large network of affinity organizations, such as corporations, credit unions, labor unions, and more. If you’re a member of one, then you could enjoy a reduced premium of up to 30%.
Anti-Theft or Safety Device Discount
Install anti-theft or safety devices in your vehicle to get this discount.
MetLife vs. other insurance companies
MetLife car insurance reviews reveal that it has one of the most expensive insurance premiums out there, at nearly $800 more expensive than Geico’s average annual premium.
How does MetLife measure up if you’ve got an accident on record?
Let’s compare rates if you have a single accident. To get full coverage with one accident in your past, your MetLife premium would be approximately $1,980. On the other hand, State Farm would cover you in the same situation for only $1,038.
Note that MetLife does not offer any SR22 insurance in any state, which is a policy intended to help drivers get back on the road if they get a DUI. However, Geico, The General, and other providers offer this coverage in nearly every state.
Likewise, if you want a company that has a lot of ways to get a discount, then MetLife is not the best choice. It offers less than 10 car insurance discounts whereas a company like Liberty Mutual offers more than 15 discounts.
However, MetLife car insurance customer service does rank incredibly well in regard to frequency of complaints. It receives the lowest number of complaints compared to competitors like State Farm.
Overall, MetLife excels at custom insurance and bundled insurance, but it lags behind competitors like Progressive and The General when it comes to offering affordable premiums or serving people with an accident on record.
MORE: What is SR22 insurance?
What is MetLife Insurance?
MetLife stands for Metropolitan Life Insurance Company and it’s been around since 1868. Back then, it was a casualty Life and Limb company that insured Union soldiers in the Civil War.
Eventually, it extended coverage to civilians as a life insurance company, and in the 1970s branched out into home and car insurance.
Today, MetLife is one of the largest insurance companies in the world. It offers basic and specialized auto insurance options to American drivers with features and discounts that will suit most families’ needs.
MetLife prides itself on having a robust suite of insurance options whereas other companies don’t measure up to MetLife’s product diversity.
How to get a MetLife car insurance quote
The easiest way to get a MetLife car insurance quote is to go to their website and request a quote. If you prefer to talk to someone, you can also call up one of their agents.
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How do customers rate MetLife auto insurance?
Overall, customers rate MetLife positively. It has far fewer customer complaints than other companies its size. It also offers more options for custom insurance, such as pet, wedding, and sound equipment insurance.
MetLife received above-average customer feedback in these categories:
- Local Agents
- Claim Servicing
- Rental Experience
- Estimation Process
- Overall Satisfaction
MetLife ranked below average in these areas:
- No 24/7 live customer service
- Very expensive premiums compared to competitors
However, you may still find that MetLife’s unique coverage options are a good fit for your needs, since its rates are close enough to other companies while offering special types of coverage.
MetLife’s services and features
The website is a great portal for handling claims, reviewing coverage, and making payments on your MetLife policy.
If you’re registered as a MyDirect customer, then you will only use the website and app to manage your policy (no direct contact with agents) in exchange for a lower premium.
MetLife’s Mobile Phone App
MetLife has a mobile app that helps customers manage their accounts, submit payments, and file claims online. This is a huge benefit for tech-savvy policyholders who want to quickly and easily manage their account virtually.
You can file a claim at the site of the accident, check your claim’s progress, and read up on your coverage—all within MetLife’s mobile app.
MetLife’s CARE Program
You can get access to a network of trusted repair shops with MetLife’s CARE program. It’s a list of garages around the country that have been evaluated based on MetLife’s standards. If you use a shop in the CARE network, MetLife will guarantee the repairs for as long as you own your vehicle.
If you’re comfortable handling your auto insurance entirely online, then you can access MetLife’s MyDirect program. You will enjoy a lower rate in exchange for making payments and submitting claims 100% virtually. Some customers report difficulty using the MyDirect site, so proceed with caution.
How to file a claim with MetLife
If you need to file a claim, you can use MetLife’s mobile app or call an agent on the phone: 800-854-6011. If you want to reach a general customer support line, you’ll need to call this number instead: 800-638-5433. It’s worth noting that the company’s accessibility is one of the best in the business.
When you are ready to begin the claims process, you will need to provide some information about the incident. Make note of your claim number so that you can track the investigation to completion.
Here’s the information you will need to provide:
- The names, phone numbers, addresses, and policy numbers of the other parties
- The location, date, and time of the incident
- A summary of the weather conditions at the site
- Any photo evidence of the scene and damage
- Copies of police and/or accident reports
The mobile app is a great way to upload your information quickly while at the scene of the accident.
Now that your claim is filed, it’s a good idea to look over your policy to make sure you understand your coverage.
When your claim is approved, you will be able to schedule repairs and book a replacement vehicle (if you opted to purchase this coverage).
MetLife’s car insurance cancellation policy
Need to cancel your MetLife car insurance? Call a representative at this toll-free number: 800-422-4272.
If you would rather cancel your policy online, then go to their website and click “Contact Us” and then “Email Us.” You can write a message that includes your name, your policy number, and the date you’d like your policy to end. A MetLife representative will follow up with you.
The Takeaway: is MetLife right for me?
Once you’ve had a chance to compare car insurance quotes, you can see that MetLife offers expensive but robust car insurance options.
If you want specialized car insurance—or if you want to bundle home, auto, and life insurance—then MetLife is the perfect choice for you.
However, if you only need basic coverage and you want affordable car insurance, then MetLife is probably not the right insurance provider for you. There are far less pricey options out there that do not include complex or specialized coverage.
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