MetLife Car Insurance Review 2024

MetLife Auto and Home was recently acquired by Farmers insurance. If you currently have car insurance or home insurance with MetLife, your policies will be administered by Farmers GroupSelect. There will be no immediate changes to your policy, coverage or benefits, according to Farmers.

Here is the Farmers FAQ for former MetLife Auto & Home customers.

Among its top competitors, MetLife has the highest car insurance rates for good drivers. If you have a clean driving record (meaning no recent traffic violations or at-fault car accidents), it’s worth getting quotes from Geico and State Farm. Military members, veterans and eligible family members should check quotes from USAA.

Company	National average annual rates
USAA	$1,141
Geico	$1,182
State Farm	$1,402
Erie	$1,419
Travelers	$1,435
MetLife	$2,742

Rates are based on liability coverage of 100/300/100 with collision and comprehensive insurance and uninsured motorist coverage

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Related: Best Car Insurance Companies of 2024

A speeding ticket can be an expensive mistake that can result in higher car insurance rates when you renew your policy. MetLife is by far the most expensive for drivers with a speeding ticket compared to top competitors.

If you recently got nailed for speeding, it’s a good idea to get quotes from Geico, Erie and State Farm. If you are in the military or a veteran, get a quote from USAA.

Company	National average annual rates
USAA	$1,381
Geico	$1,579
Erie	$1,600
State Farm	$1,607
Travelers	$1,828
MetLife	$3,562

Rates are based on liability coverage of 100/300/100 with collision and comprehensive insurance and uninsured motorist coverage

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Compared to top companies, MetLife’s rates compare poorly for drivers who caused an accident with injuries. Check out quotes from State Farm and Erie. Those eligible for USAA should check USAA quotes.

Company	National average annual rates
USAA	$1,613
State Farm	$1,713
Erie	$1,898
Travelers	$2,000
Geico	$2,097
MetLife	$5,263

Rates are based on liability coverage of 100/300/100 with collision and comprehensive insurance and uninsured motorist coverage

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A DUI conviction is costly when it comes to car insurance. But that doesn’t mean you have to pay through the nose. MetLife compares poorly to other top insurance companies for drivers with a DUI. Try quotes from State Farm and Travelers.

Company	National average annual rates
State Farm	$1,942
Travelers	$2,150
USAA	$2,195
Erie	$2,358
Geico	$2,967
MetLife	$6,567

Rates are based on liability coverage of 100/300/100 with collision and comprehensive insurance and uninsured motorist coverage

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Related: Best car insurance after a DUI

Many insurance companies use a credit-based insurance score as a factor when determining your rates (in states where the practice is allowed). MetLife compares poorly to its competitors in this category. If you have poor credit, check out quotes from Geico. Military members, veterans and eligible family members can also get a quote from USAA.

Company	National average annual rates
Geico	$1,679
USAA	$1,910
Travelers	$2,348
Erie	$3,137
State Farm	$3,826
MetLife	$6,196

Rates are based on liability coverage of 100/300/100 with collision and comprehensive insurance and uninsured motorist coverage

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MetLife’s level of complaints about its car insurance are above the industry average. Car insurance complaints tend to be about claim denials, delays and unsatisfactory settlements.

In a survey of auto body repair professionals by the CRASH Network, MetLife earned only a C+ grade.

The opinion of collision repair experts is valuable because they see how insurance companies have claims processes that lead to quick and satisfactory claims for customers, whether insurers encourage the use of repair procedures recommended by car manufacturers, and whether insurers use lower-quality repair parts.

MetLife car insurance policyholders can expect no immediate changes to their policies, according to Farmers Insurance. Here are some of the discounts that will be available:

• Multi-policy discount. Farmers is working to create a discount for customers who have a car insurance policy through MetLife and Farmers Insurance. Farmers recommend contacting them to see if a multi-policy discount is available in your state.
• Employment or association discounts. Farmers will honor discounts and benefits if you currently get car insurance or home insurance discounts through your employer or association membership.
• MetLife employee and retiree discounts. There will be no interruption for group discounts for MetLife employees and retirees.

Related: Cheap car insurance of 2024

Farmers Insurance has also acquired MetLife’s home insurance policies. The company has stated there will be no immediate changes to policies, coverages or benefits. MetLife home insurance policy will be administered by Farmers GroupSelect.

The other types of insurance offered from MetLife include:

• Life insurance
• Dental insurance
• Vision insurance
• Pet insurance

MetLife started in 1863 as the National Life and Limb Insurance Co. which sold insurance against wartime disabilities to Civil War sailors and soldiers. After a rocky start, the company focused on life insurance and changed its name to the Metropolitan Life Insurance Company (MetLife).

Today, MetLife is in more than 40 countries and has become one of the most recognizable names in the insurance industry.

MetLife auto and home insurance policies were recently acquired by Farmers Insurance Group. Farmers has stated there will be no immediate changes to existing MetLife auto policies, coverage or benefits.

To find average car insurance rates nationwide, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible.