MetLife Insurance Review (2025)
- Overall rating: good (3.8/5 stars)
- Average cost: $1,488 for a 6-month policy
- Digital Experience Score: Solid (4/5 stars)
Read more below to get a quote directly from MetLife.
MetLife Insurance: A good choice for most shoppers
MetLife receives a good rating from The Zebra’s experts, thanks to its generous discount options, customizable coverage, and pricing that often falls below the industry average.
Although opinions on service vary, most value MetLife’s budget-friendly premiums and easy accessibility across the country.
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Financial Strength Ratings: Strong ratings indicate the carrier can pay claims during major events.
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Market Stability and Longevity: Established history suggests reliable long-term coverage.
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Dispute Resolution Fairness: Unfair resolution can leave valid claims unpaid.
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Average Processing Time: Slow processing delays reimbursement when you need funds.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is MetLife car insurance?
Currently, the national average for a 6-month car insurance policy is $1,084, whereas MetLife is about $1,488.[1]
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
See how MetLife stacks up against competitors →
Discounts offered at MetLife: Many options
It's smart to look for discounts when shopping for car insurance, and MetLife offers a few options to help lower your monthly premiums. Since MetLife operates through Farmers for car insurance, policyholders would receive the discounts they qualify for with Farmers.
Save money (and trees!) by enrolling in ePolicy and accepting the Go Paperless terms and conditions.
For households where no ratable driver has had any at-fault chargeable accident in the past 60 months at the start or renewal date of the policy.
For drivers age 55 or older who have completed state-approved safe driver training within the last three years.
| Bundle and save | Loyalty |
| ePolicy | Good Payer |
| Youthful Driver | On your own |
| Save with the Signal® app | Affinity |
| Auto Pay/EFT | Safe driver |
| Good student | Distant student |
| Mature driver/defensive driver/senior driver | Homeowner |
| Pay in full | Five-year accident free |
| Anti-theft | Shared family car |
To learn more about each discount MetLife has to offer, see its discounts page.
Compare with other companies
See how MetLife stacks up against similar companies
Cost: $1,488 average cost for a six month policy
Customer satisfaction: Medium
Our take:
- High price policies
- Average claims satisfaction
- Superior financial strength
Cost: $954 for a six-month auto policy
Customer satisfaction: High
Our take:
- Cheaper prices than MetLife
- Better customer service scores than MetLife
- Worse bundling options than MetLife
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
- Cheaper prices to MetLife
- Better customer service scores than MetLife
- Better bundling options than MetLife
MetLife's customer service & claims experience: A blend of successes and challenges
For policyholders, the experience with MetLife is highly efficient for routine issues thanks to effective digital platforms. In contrast, those with more complex claims or disputes may find the process takes substantially more time.
Very Helpful
"Metlife is a very good choice.They are there for you 24-7...The agents are very helpful in every way." - Clearsurance
Good Company
"Excellent process to expedite the quote of auto insurance. Easy process to renew and good customer service." - Clearsurance
Terrible Service
"They aren’t very good…they like to rip you off. I needed customer support but they continually hang the phone up." - Yelp
How much will your rates climb after filing a claim with MetLife?
No one wants to file a claim, but sometimes it is necessary, despite our best efforts. See the table below for an idea of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,528 |
| One comp claim | $1,747 |
| Two comp claims | $2,116 |
| At-fault accident - $1000-$2000 | $2,547 |
| At-fault accident - greater than $2000 | $2,708 |
Source: The Zebra
MetLLife provides a convenient claims process via its online and mobile platforms. While simple claims are handled quickly, more complex cases can result in significant delays. This varying speed is reflected in Metlife's middle-tier customer satisfaction scores, indicating that while the service is reliable for routine matters, it struggles with efficiency on more complicated claims.
Coverage options: versatile options
MetLife provides all the standard auto insurance coverages, including liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP), and rental car coverage. Since MetLife’s auto policies are now under Farmers Insurance, customers can also access additional coverage options offered through Farmers.[3]
Final thoughts: Is Metlife right for you?
In short, while MetLife currently focuses on health and life insurance policies, those who are locked into their auto coverage are likely satisfied. Farmers takeover of auto policies makes it a worthy competitor, offering a wide breadth of coverage options at competitive rates. All in all, The Zebra considers MetLife to have been a decent car insurance provider before its transfer to Farmers. If you have other MetLife policies, it might make sense to go with Farmers for auto, but it's ultimately an individual decision.
Frequently Asked Questions about MetLife
Get quotes from MetLife and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
MetLife completes sale of auto & home business to Zurich Insurance Group, Subsidiary Farmers Group, Inc. MetLife
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.