MetLife Auto Insurance Review for 2025 (See Their Rates & Policy Options)

With rates starting at $68, MetLife auto insurance is a bit more expensive than many of its competitors. However, our MetLife auto insurance review shows why the price might be worth it.

An important note about MetLife car insurance is that MetLife no longer manages its auto policies. Farmers purchased MetLife home and auto insurance policies in 2021, and new policies are purchased from Farmers.

Rating Criteria
Overall Score	4.1
Business Reviews	4.0
Claims Processing	3.3
Company Reputation	4.0
Coverage Availability	5.0
Coverage Value	4.0
Customer Satisfaction	2.0
Digital Experience	4.0
Discounts Available	5.0
Insurance Cost	4.2
Plan Personalization	4.0
Policy Options	4.7
Savings Potential	4.5

Despite being sold, you can still purchase the same coverage you’d normally get from MetLife. Read through our MetLife car insurance review to see if it’s right for you, then enter your ZIP code into our free tool to find the most affordable rates.

MetLife Auto Insurance Rates

MetLife focuses more on providing a superior insurance product instead of offering the lowest rates. While many drivers appreciate the quality, MetLife is definitely not one of the cheapest auto insurance companies on the market.

Take a look below to see how much you might pay for MetLife auto insurance.

Keep in mind that these are just averages, and the actual amount you pay depends on a variety of factors. The way insurance companies calculate your rates is by looking at different demographics. These include your age, gender, location, what type of car you drive, your credit score, and even your marital status.

Your driving record has one of the most significant impacts on your insurance rates, regardless of which company you shop at. Check below to see how MetLife car insurance quotes look based on your driving record.

While looking at the rates above is a good place to start your search for insurance, you’ll need to compare them with the top providers to ensure you’re getting the best policy.

MetLife Auto Insurance Rates vs. the Competition

When you compare rates, you’ll find that MetLife is not the cheapest option on the market. While it excels in areas like customer service, MetLife isn’t the first choice for drivers on a budget. For example, you can read our Progressive auto insurance review to see how much lower rates could be.

Check below to see how MetLife car insurance rates compare with the top insurance providers in America.

Insurance Company	Monthly Rates
	$218
	$160
	$257
	$161
	$185
	$169
	$123
	$160
	$100

These price differences are why insurance experts recommend comparing MetLife quotes with other companies before you sign up for a policy. If you skip this vital step, you’ll likely overpay for your insurance.

Comparing MetLife car insurance costs with other quotes is simple. You can request a personalized quote from each company you’re considering by filling out the form on each website. To get a quote from MetLife, you’ll have to visit the Farmers’ page shown above. Or, use a free comparison tool to look at multiple rates at once.

MetLife Auto Insurance Coverage Options

Whether you want the bare minimum amount of insurance your state requires or a full coverage auto insurance policy, there are plenty of MetLife car insurance options for you.

Like most major insurance companies, MetLife offers all the basic types of car insurance. These include:

• Liability: Split into bodily injury and property damage, liability insurance covers your financial responsibility to others after an at-fault accident.
• Collision: You’ll need collision insurance if you want your policy to cover your car repairs after an accident. Collision insurance covers you even if you caused the accident.
• Comprehensive: For all of life’s unexpected events, there’s comprehensive insurance. Comprehensive covers damage from things like weather, fires, and theft.
• Personal Injury Protection/MedPay: Personal injury protection (PIP) coverage and MedPay cover health care expenses for you and your passengers after a collision.
• Uninsured/Underinsured Motorist: While nearly every state requires coverage, it doesn’t mean everyone follows the law. Uninsured/underinsured motorist coverage protects you against drivers with inadequate coverage.

The actual amount of coverage you need depends on your driving situation. However, basic policies are usually made up of some combination of the coverages listed above.

MetLife Auto Insurance Add-Ons

Looking to customize your insurance policy? MetLife offers a variety of add-ons so you can get the exact policy you want. When you shop at MetLife, you can add the following coverage to your policy:

• Gap Coverage: For drivers who need car insurance on a leased or financed car, you may end up owing more money than your vehicle is worth. Gap insurance pays the difference on an underwater loan.
• Rental Car Reimbursement: If your vehicle is stuck at the mechanic shop after a covered incident, MetLife will cover the cost of your rental car.
• Roadside Assistance: MetLife will come to the rescue when you’re stranded with a flat tire, empty gas tank, dead battery, or you need a tow.

Keep in mind that adding coverage will increase your rates. It’s never a bad idea to add more coverage, but you should only purchase what you think you might need.

MetLife has a reputation for excellence in insurance, but auto policies aren’t the main type of policy it sells. Compared to other auto insurance providers, MetLife doesn’t have a long list of add-ons. If policy customization is important to you, you may want to look elsewhere.

MetLife Auto Insurance Discounts

Auto insurance can be expensive, but MetLife offers a variety of ways to get low-cost car insurance with driver discounts. If you’re interested in a MetLife policy, you may qualify for the following discounts.

Most MetLife car insurance discounts automatically apply to your account when you sign up for a policy, while others require documentation. For example, you’ll need to provide proof of your grades for the good student discount.

MetLife Auto Insurance Customer Reviews

Before MetLife sold its car and homeowners insurance policies to Farmers, it had a reputation for being more expensive than average auto insurance rates by age and gender, but offered excellent service. Today, drivers are less likely to risk MetLife’s higher rates for Farmers service. Consider this Reddit user’s questions about whether MetLife’s high rates are worth it.

Should I switch from MetLife to Progressive?
byu/billygreen23 inInsurance

As you can see, most Reddit users agree that MetLife’s overall rates are just too high to justify the cost. The higher costs are one of the most common MetLife complaints. However, as another Reddit user points out, you get what you pay for — MetLife auto insurance costs might be worth it.

Aside from the higher rates, MetLife customers are generally happy with this provider’s customer service and how long it takes to file a claim.

MetLife Auto Insurance Business Reviews

MetLife insurance reviews from customers aren’t the only thing you should look at when you’re considering a new insurance policy. Third-party rating companies provide useful information that can help you make the right choice. Take a look below to see how MetLife car insurance reviews and consumer reports stack up when it comes to third-party ratings.

Agency
	Score: A Excellent Financial Strength
	Score: A+ Excellent Business Practices
	Score: 76/100 Good Customer Feedback
	Score: 886 / 1,000 Above Avg. Satisfaction
	Score: 1.00 Avg. Complaints

As for its social impact, many customers appreciate that MetLife supports charitable causes in the local communities it serves.

On top of strong third-party ratings, MetLife also has a long history in the insurance industry. Founded in 1868, MetLife’s nearly 160 years of insurance sales means this company knows what it’s doing. In fact, the one real hold-up many drivers have about MetLife is the price. If you want to stop overpaying for car and home insurance, MetLife probably isn’t the right choice.

MetLife Pros and Cons

While you shouldn’t make a quick decision about a car insurance company, looking at the pros and cons of a provider is an easy way to rule one out. When you get a MetLife auto insurance quote, you’ll have access to the following advantages:

• Excellent Customer Service: MetLife has a reputation for providing a superior customer service experience.
• Online Tools: It’s easy to manage your MetLife auto insurance policy through Farmers’ website and mobile app. These are also excellent resources if you need to learn how to file a car accident claim with MetLife.
• Insurance Excellence: While it offers solid auto insurance through Farmers, MetLife is best known for its life insurance. If you want to bundle your policies, MetLife is a great option.

Like all other insurance providers, MetLife is not without its weaknesses. Before signing up for MetLife auto insurance through Farmers, you should watch out for the following disadvantages:

• Higher Premiums: MetLife insurance quotes are typically higher than the national average.
• No Longer Sold by MetLife: Since 2021, MetLife redirects its customers interested in auto insurance to Farmers.

MetLife certainly isn’t the best option for drivers looking for the cheapest coverage possible. However, if you want superior service and don’t mind paying more for it, MetLife auto insurance is a great choice.

See if MetLife is the Most Affordable Auto Insurance Option Today

Although many drivers swear by their MetLife auto insurance policies, it’s not the best choice for everyone. Drivers looking for the cheapest policies possible should probably look at other providers. However, if you want quality service, MetLife might be right for you.

Now that you’ve read through our MetLife auto insurance review, you should have a better idea of whether this provider is right for you. When you’re ready to save money by comparing online auto insurance quotes from MetLife with other companies, enter your ZIP code into our free comparison tool.