Compare American Family vs. MetLife Insurance

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MetLife and American Family are two big names in the world of auto insurance. metLife was founded in 1863, and American Family was founded in 1927. While American Family provides customers with a variety of discounts and coverage options, MetLife provides customers with helpful, and knowledgeable representatives. However, both companies have a habit of cancelling policies without notice. Still, MetLife and American family have outstanding J.D. Power rankings. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  American Family MetLife
Best If American Family
  • You want many discount options or additional coverage
MetLife
  • You want helpful, knowledgeable representatives
Worst If American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

American Family MetLife
American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

MetLife

The Deductible Savings Benefit can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible.

The 12% Superior Driver Discount or 20% MetRewards discount has two options. You can either earn up to 12 percent if you and all the other drivers in your home have excellent driving records, or up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you are claim and violation-free for five years.

Standard Car Insurance Discounts

Bundling Coverage Discounts American Family MetLife
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features American Family MetLife
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History American Family MetLife
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships American Family MetLife
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances American Family MetLife
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts American Family MetLife
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

American Family Car Insurance MetLife Insurance
2016 33 181
2015 32 333
2014 18 305
2013 9 323

U.S. Auto Insurance Shopping Study (2016)

American Family Car Insurance MetLife Insurance
Overall Purchase Experience Above average Below average
Policy Offerings Above average Below average
Pricing Above average Below average
Local Agent Above average Below average
Call Center Representative -- Below average
Insurer Website -- --

U.S. Auto Insurance Claims Satisfaction Study (2015)

American Family Car Insurance MetLife Insurance
Overall Satisfaction Average Below average
First Notice of Loss Average Below average
Service Interaction Above average Below average
Appraisal Average Average
Repair Process Average Below average
Rental Car Experience Above average Average
Settlement Average Below average

Financial Strength Ratings

American Family Car Insurance MetLife Insurance
A.M. Best A- A+
Moody's -- Aa3
S&P's A A+

Mobile Apps

American Family MetLife
American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

MetLife

MetLife US App lets you securely access your account in order to report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area and the the other provides access to vision providers near you.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

American Family MetLife
American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).

MetLife

Contact Phone Number

For roadside assistance, call our hotline: 1-800-854-6011.