MetLife is one of the leading global insurance providers, with more than 90 million customers worldwide. The company holds leading market positions throughout the United States, Latin America, Japan, Europe, the Middle East and Asia.With MetLife, clients can expect to receive quality insurance coverage that is handled in an effective manner. Their coverage spans across the country and helps millions of drivers stay safe on the road. Even though there are a number of beneficial features and services included in MetLife's policies, there are concerns that need to be analyzed prior to making a decision.

Rank Chart Our Score User Score
#1 8.1 5.6 Read Review
#2 7.8 6.3 Read Review
#3 7.6 8.7 Read Review
#10 6.5 -- Current

The Good

  • Service coverage
  • File/track claims
  • Coverage features
  • Discounts
  • Price range

Service Coverage

Nationally, MetLife covers all 50 states.

File/Track Claims

For convenience, there are a few options for filing a claim. Customers can go to MetLife's website and file a claim through the Internet, or they can call one of the agents and file a claim over the phone. Customers can also submit a claim through MetLife's mobile app for Apple or Android. Customers can also track the status of their claims through MetLife's online service.

Coverage Features

  • Liability
  • Collision
  • Comprehensive
  • PIP
  • Rental
  • Uninsured
  • Underinsured
  • New car replacement
  • Major parts replacement
  • Glass repairs
  • Towing and labor
  • Roadside
  • Legal defense
  • Lease/loan gap


MetLife offers discounts for the following:

  • Deductible saving benefit
  • Defensive driver
  • 12% superior driver or 20% metrewards
  • Multi-policy
  • Good student

Price Range

On average, a MetLife auto insurance policy costs $95.50 per month.

The Bad

  • User complaints

User Complaints

Current MetLife customers have reported poor experiences with this insurance company. Out of 39 policy holders polled, 33 of those left a one-star rating, while three gave a five-star rating. The three remaining people each left a one-star rating. The main complaint appears to be a lack of helpful communication. Reviewers state that they either can't get a response or when they do hear back, the form letters are filled with company biased jargon that basically is double-talk. Many of the complaints stem from claims handling, such as payments that are not for the full amount.

The Bottom Line

Metlife provides many of the policy options required by many auto drivers, such as the uninsured or underinsured motorist, coverage for personal injury, collision/comprehensive, rental car assistance and emergency road side service. Discounts such as the defensive driver discount, multi-policy discounts as well as the good student discount help those with multiple cars and teenage drivers. Claims can be filed via the internet, the app, or over the phone with an agent. Both the benefits and disadvantages of the MetLife auto insurance platform should be analyzed when making a final decision.

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