MetLife Car Insurance

3.2 122 reviews
You're shopping in zipcode 79504 Change

Ratings

InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Call Center Representative The rest
Insurer Website The rest
Overall Satisfaction About average
Local Agent Better than most
Policy Offerings The rest
Pricing About average
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Rental Experience About average
Estimation Process About average
Overall Satisfaction About average
Claim Servicing About average
First Notice of Loss (FNOL) About average
Repair Process The rest
Settlement About average
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
Texas 823 About average
New England 803 The rest
Florida 849 Among the best
New York 834 Better than most
Southeast 796 The rest
North Central 811 The rest
MetLife Mobile App Ratings
Brand Ratings User reviews
iOS
Full Star Half Star Empty Star Empty Star Empty Star 1.2
224
Android
Full Star Full Star Half Star Empty Star Empty Star 2.4
1187
Financial Ratings
Company Name Ratings
A.M. Best A+
Standard & Poor's AA-
Fitch AA-
Moody's Aa3

Discounts

The largest discounts from MetLife are: Passive Restraint Discount, Good Student Discount, Good Driver Discount

Discount Type Discount %
Passive Restraint Discount up to 40%
Good Student Discount up to 15%
Good Driver Discount up to 15%
Multiple Policy Discount up to 10%
Organization Discount up to 10%
Student Away at School Discount up to 10%
Anti-Theft Device Discount up to 10%
TeenSmart Discount up to 7%
Defensive Driver Discount up to 7%
Anti-lock Brake Discount up to 5%
Deductible discount Varies

Payment Methods

  • Complete Tick Phone Payment -IVR
  • Complete Tick Mail Payment
  • Complete Tick Online Payment
  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments
  • Complete Tick Automatic Online Payments
  • Complete Tick Multi-payment Installment Plans

Features and Services

MetLife has been offering its customers exceptional service for over 40 years. They provide claim handling service and roadside assistance 24 hours, 7 days a week. Through their online portal MyDirect, you to manage your account, make payments, policy changes, and file claims. MetLife offers a network of trusted repair shops through their CARE program.

  • Online account management Online account management
  • Roadside assistance Roadside assistance
  • 24/7 service 24/7 service
  • Mobile app Mobile app

Optional Coverage

  • Complete Tick Rental Reimbursment
  • Complete Tick Road Side Assistance
  • Complete Tick Glass Coverage
  • Complete Tick Gap Insurance
  • Complete Tick Legal Defense Costs Coverage

MetLife provides Uber and Lyft driver insurance in the following states:

MetLife Insurance Products

Learn more about MetLife Life Insurance.

MetLife offers standard and optional home insurance coverages to protect your home, possessions, and liability.

Standard home insurance coverages include:

  • Physical structures: Pays to repair or replace your house and other structures, like a garage or shed, that are damaged by a covered loss. 
  • Personal belongings: Pays to repair or replace your personal possessions, like clothing and furniture, that are damaged after a covered loss.
  • Bodily injury and property damage liability: Covers medical expenses and legal fees when someone is injured or their property is damaged on your premises. 
  • Identity Theft Expense

Optional coverages from MetLife include:

  • Additional expenses: Increases your physical structures and personal belongings coverage limits when additional expenses come up while things are being repaired or replaced. 

Metlife offers a variety of both standard and optional auto insurance coverage options. Depending on where you live, some optional coverages can be added to your policy at no cost.

Standard auto insurance coverages include:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 

Optional coverages include:

  • Roadside assistance: Covers towing and labor services in the event your car breaks down. 
  • Lease/loan gap insurance: Pays your lender the difference between your car’s value at the time of the covered loss and the amount you still owe on your lease/loan. You must have collision and comprehensive coverage, and your car must be less than three model years old. 
  • Rental car coverage: Covers you if you have an accident while driving a rental car.
  • New car replacement: Pays to repair or replace your car with a new model if your damaged car was less than one model year old, or had fewer than 15,000 miles. 
  • Special parts replacement: Pays to replace damaged tires, brakes, batteries, etc., regardless of depreciation. 
  • Glass repairs: Pays to repair a damaged windshield, with no deductible. 
  • Legal defense costs: Covers legal fees if you have a lawsuit filed against you. Pays up to $200 a day for lost wages if MetLife requests you to go to court. 

MetLife offers insurance coverage for power and sail boats used exclusively for private pleasure and recreation. You’ll be covered from damages caused by hurricanes, floods, thefts, fires, sinking or boating accidents.

MetLife basic coverage options include:

  • Boat repair: Pays for partial and full loss of your boat, including hull, motor, trailer,  boating equipment, and personal effects, like fishing equipment. 
  • Passenger protection: Pays up to $1,000 for medical and funeral expenses of the policyholder and passengers if they’re injured in an accident, regardless of who is at fault. 
  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Uninsured/underinsured boater: Pays for your medical bills, lost income, and damages after an accident if the at-fault boater has little or no liability insurance. 

Additional coverages include:

  • Hurricane protection: Pays up to $250 to haul your boat out of the water when The National Weather Service issues a hurricane advisory.
  • Unforeseen emergency services: Pays up to $250 for towing and labor services on land or in the water. 

MetLife offers comprehensive recreational vehicle insurance for your RVs, motorcycles, dirt bikes, scooters, campers, trailers, golf carts, ATVs, segways, snowmobiles, and more! You can choose a basic plan, then add as many optionals coverages as you’d like. 

Basic RV insurance coverage includes:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 

Optional coverages include:

  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. Comprehensive also covers your vehicle’s accessories, like special handlebars and sidecars. 
  • Legal defense costs: Covers legal fees if you have a lawsuit filed against you. Pays up to $250 a day for lost wages if MetLife requests you to go to court. 
  • Special parts replacement: Pays to replace damaged tires, brakes, batteries, etc., regardless of depreciation. 
  • Trailer coverage: Provides comprehensive coverage to any trailer you own and use to transport your RV, motorcycle, snowmobiles, etc. 

MetLife offers standard and optional condo insurance coverages to protect your unit, possessions, liability, and other risks not covered by your association’s insurance. 

Standard condo insurance coverages include:

  • Replacement cost coverage: Pays to repair or replace upgrades or installations, like cabinets, you’ve made to your condo unit.
  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
  • Bodily injury and property damage liability: Covers medical expenses and legal fees when someone is injured or their property is damaged on your premises. 
  • Loss assessment: In the event your condo association to found liable for injury or damage, and the claim is higher than their liability coverage, this pays your share of what is left of the claim. 

Optional condo insurance coverage from MetLife includes:

  • Water backup coverage: Pays to repair or replace damages caused by water backup from sewer or drains and sump pump overflow.

Metlife offers standard coverages and speciality packages to protect your apartment or rental home, your belongings, and your liability. 

Basic renters policies from MetLife include coverage for:

  • Personal liability: Pays up to $100,000 for defense and settlement costs if someone sues you for bodily injury or property damage that occurred in your rental unit. 
  • Replacement cost coverage: Pays to repair or replace upgrades or alterations you’ve made to your rental unit, regardless of depreciation.
  • Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 

Specialty coverage packages offer up to $5,000, $10,000, or $15,000 of coverage for specific items like electronics, musical instruments, recreational/sports equipment, and luxuries. MetLife will pay to repair or replace these items, regardless of how they were damaged or lost. 

MetLife offers two kinds of landlord insurance policies: Landlord’s Rental Dwelling Insurance and Landlord’s Rental Condo insurance. 

Also known as dwelling fire insurance, landlord insurance coverage usually includes:

  • Property coverage: Pays to repair or rebuild your rental buildings (one to four families) and any private structures, like sheds or garages. Also covers personal belongings kept on your property, such as tools, furniture, etc. 
  • Loss of rental income: Pays your loss of rental income while your property is being repaired after a covered loss. 
  • Personal liability: Pays up to $100,000 for defense and settlement costs if someone sues you for bodily injury or property damage that occurred on your rental property. Also pays up to $1,000 for others’ medical expenses.
  • Personal injury coverage: Pays for defense and settlement costs if someone sues you for wrongful entry, wrongful eviction, and invasion of the right of private occupancy.

Additional landlord coverages from MetLife include:

  • Extended limits coverage: Increases your property coverage limits by 25 percent if additional building expenses come up while things are being repaired or replaced. 
  • Coverage A Plus: Provides no-limit property coverage if additional building expenses come up while things are being repaired or replaced. 

Metlife offers additional accident insurance to help pay for costs not covered by your employer’s medical plans. 

This coverage directly provides you with a lump-sum payment that you can use towards out-of-pocket expenses, such as deductibles, co-pays, childcare, ambulance bills, and more. 

Accident insurance includes benefits for:

  • Injuries, such as fractures, concussions, eye injuries, etc.
  • Medical services and treatments, such as ambulance costs, emergency care, X-rays, MRIs, etc. 
  • Hospitalization, including admission, inpatient rehab, etc.
  • Additional benefits like accidental death, dismemberment, loss and paralysis, etc. 

Metlife offers critical illness insurance to help pay for expenses that may not be covered by your employer’s medical and disability plans. 

This coverage directly provides you with a lump-sum payment that you can use towards out-of-pocket expenses, such as co-pays, childcare, groceries, household bills, and more. 

Critical illness through Metlife also includes dependent coverage for your spouse or partner and children, and portable coverage if you decide to leave your job. 

Metlife offers hospital indemnity insurance to cover hospitalization costs that may not be covered by your employer’s medical plan. Coverage will continue even if you decide to leave your job. 

A standard insurance plan can cover you and your family against expensive hospital admission, inpatient rehabilitation, and hospital stays. 

Metlife offers cancer insurance to help pay for medical and everyday expenses that may not be covered by your employer’s health and disability plans.

This coverage directly provides you with a lump-sum payment that you can use towards out-of-pocket expenses, such as co-pays, childcare, groceries, household bills, and more. 

This coverage also includes:

  • An annual Health Screening Benefit
  • Paid benefits for initial diagnosis and if cancer returns
  • Portable coverage if you decide to leave your job

Metlife offers group and individual dental insurance plans through your employer.

Metlife offers two types of group dental insurance, Preferred Provider Organization (PPO) and Health Maintenance Organization (HMO). Only PPO and individual plans give you the option to choose a dentist in or out of Metlife’s network. 

The individual dental insurance plan, referred to as Metlife TakeAlong Dental, offers comprehensive coverage for hundreds of procedures, including cleanings, X-rays, fillings, orthodontics, etc. 

Available through your employer, Metlife offers both short and long term disability plans to help pay for expenses when you’re unable to work due to an injury or illness. 

Short term disability replaces a part of your salary after a disabling injury or illness. You can receive weekly payments for three months to a year, depending on your coverage. This plan may also include financial rehab incentives to help you get back to work. 

Long term disability provides a steady income to help you pay for medical and everyday expenses, such as groceries, clothing, mortgage payments, utilities, etc., if you’re unable to work during an extended injury or illness. Coverage includes direct, monthly payments and financial rehab incentives. 

Metlife offers term and permanent life insurance policies through your employer. All life insurance plans are portable, meaning you will still have coverage if you retire or decide to leave your company.

Term life insurance provides a death benefit directly to your beneficiaries to help pay for funeral costs and other expenses, such as childcare, mortgage payments, etc. Common term life insurance plans include:

  • Basic term life: An employee paid coverage that provides your beneficiaries with financial protection for a set period of time.
  • Supplemental term life: An employee paid coverage that allows you to adjust your policy limits as your needs change overtime. This plan may also include coverage for your dependent, spouse or domestic partner.
  • Dependent term life: Covers your spouse or domestic partner and eligible children. 

Permanent life insurance through your workplace offers lifetime coverage, a tax-free death benefit, and the ability to earn cash value. Metlife offers:

  • Group Variable Universal Life (GVUL): Combines life insurance with a tax-deferred investment option. You can withdraw or borrow from your cash value when you need it. 
  • Group Universal Life (GUL): Provides life insurance, and the opportunity to build cash value through a minimum interest rate. 

Metlife also offers an individual, term life insurance plan, called MetLife Rapid Term Life insurance (MRT), that allows you to choose your own coverage amount (up tp $500,000) and policy length (10, 15, 20, 25 or 30 years). Your premium costs are guaranteed to stay the same throughout your policy period. 

Metlife offers two vision insurance plan options to employees of participating groups, including:

  • Vision PPO: Covers routine eye exams, glasses, contact fittings and lenses from in-network specialists. 
  • VisionAccess: Provides discounted eye exams, lenses, frames, non-prescription sunglasses and laser vision correction from in-network specialists. Coverage is available for your family members. 

Metlife offers business owner policies and commercial auto insurance for restaurants, contractors, offices, mercantile, processing, and wholesalers.

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Company History

Headquartered in New York, New York, Metlife Insurance Company was founded in 1868. The company Metlife holds a JD Power and Associates rating of 3 out of 5 for overall customer satisfaction. They specialize in auto, life, disability, and home insurance, along with business and institutional services.

MetLife Reviews

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Most Positive Review
Excellent Service and Great Savings!
By Insurify User
October 16, 2014

I cannot say enough about how happy I am with your service. My agent was superb and got me a one year policy at a fixed low price so I no longer have to watch for payment increases that always happened with the other companies I have used in the past. I know I have a true advocate who's efforts are on MY behalf! I am a customer for life and always recommend you to friends and aquanitences.

Most Critical Review
I have no confidence in MetLife
By Insurify User
April 13, 2015

MetLife provides a great value if you measure a company only by their premiums. Unfortunately, after setting up a home, auto, and umbrella policy with them, they failed to START my home and auto policy. My umbrella policy, however, went through. A month after I started my policies, I received a notice saying that my umbrella policy was being cancelled since I didn't have home or auto through them. Fortunately I had not yet cancelled my existing insurance since I was waiting for ID cards from MetLife which never arrived, otherwise I would have ended up being uninsured during this time. I called MetLife to discuss the situation. My call was answered quickly by a friendly representative. She could see that these policies existed, but she couldn't determine anything beyond that. She offered to transfer me to sales where I could then set up another policy. I refused her offer as 1) I went through an excellent agent at Answer and I wanted him to get credit for the policy, and 2) I felt that any additional time spent with MetLife was a waste. If they can't figure out how to start a policy, I have absolutely zero faith in them to be able to pay me in the event of a claim. Unfortunately, my employer uses MetLife for dental insurance. They have a tendency to deny claims, and I've encountered that first hand. I complained about this to my dentist once, and I learned that this is par for the course. At the end of the day, I believe I dodged a bullet. If a company can't determine whether or not you have a policy with them when , why should I expect them to be able to pay out if the need arises? Stay away from the train wreck that is MetLife.