Compare Esurance vs. MetLife Insurance

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Esurance and MetLife are both well-known insurance companies across the U.S. Esurance was founded in 1999, and MetLife was found more than a century earlier, in 1863. Esurance’s auto policies and coverage discounts are broad and extensive, so its a great company for customers seeking auto insurance, especially since its parent company, Allstate, is famous for auto insurance.

On the other hand, MetLife carries powerful financial strength and J.D. Power ratings, but it’s also received criticism for having a limited selection of driver discounts.

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

  Esurance MetLife
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
MetLife
  • You want helpful, knowledgeable representatives
Worst If Esurance
  • You want excellent roadside assistance
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

Esurance MetLife
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

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 Esurance MetLife
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance 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 Esurance MetLife
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance MetLife
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance MetLife
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance MetLife
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance MetLife Insurance
2016 48 181
2015 67 333
2014 47 305
2013 43 323

U.S. Auto Insurance Shopping Study (2016)

Esurance MetLife Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Below average
Pricing Average Below average
Local Agent Average Below average
Call Center Representative -- Below average
Insurer Website Among the best --

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

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

Financial Strength Ratings

Esurance MetLife Insurance
A.M. Best A+ A+
Moody's -- Aa3
S&P's -- A+

Mobile Apps

Esurance MetLife
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click 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

Esurance MetLife
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

MetLife

Contact Phone Number

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