MetLife Insurance

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This profile will tell you everything you need to know about MetLife Insurance. You’ll learn which states the company serves and where the company sits in terms of financial strength. We also provide insights into how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how MetLife handles its claims process. From there, you’ll have all the tools you need to decide whether MetLife is the right insurance provider for you.

Best If

  • You want helpful, knowledgeable representatives

Worst If

  • You want a smooth follow-through with your agent/policy

By The Numbers

  • MetLife has a strong presence in nearly 50 countries
  • Employs approximately 66,000
  • Serves 95 out of the 100 Fortune 500 companies

Consumer Reviews

  • Reviews.com
    • Liked MetLife’s ease of online quote and buying tools
    • Thought MetLife has strong policy-management options that allow customers to conveniently manage and modify their coverage from an easy-to-use online dashboard
    • Disliked the company's limited selection of driver discounts and lack of features on its mobile apps
  • ConsumerAffairs.com
    • Based on 39 ratings out of 146 reviews, the website gave MetLife an overall satisfaction rating of 2 out of 5 stars
    • Some customers expressed their happiness with MetLife due to reasonable pricing on insurance policies and/or quotes
    • However, some customers criticized the company's lack of follow-up and decisions to cancel policies without notice or further information
  • Better Business Bureau
    • Gave MetLife a B+ rating, though it is not BBB accredited
    • Length of time in business and resolution of complaints filed contributed to a good score
    • However, the company's failure to swiftly respond to complaints hurt its ratings

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Year
Total Complaints
Percent Change
2016
181
-46%
2015
333
2014
305
-6%
2013
323
--
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: N/A
  • Central: N/A
  • Florida: 812 — about average
  • Mid-Atlantic: N/A
  • New England: 773 — below average
  • New York: 801 — below average
  • North Central: 788 — below average
  • Northwest: N/A
  • Southeast: 804 — below average
  • Southwest: N/A
  • Texas: N/A

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Below average
Policy Offerings
Below average
Pricing
Below average
Local Agent
Below average
Call Center Representativ
Below average
Insurer Website
--

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

Overall Satisfaction
Below average
First Notice of Loss
Below average
Service Interaction
Below average
Appraisal
Average
Repair Process
Below average
Rental Car Experience
Average
Settlement
Below average
Source: J.D. Power

Financial Ratings

A+
A.M. Best
Superior rating; second-highest possible
Aa3
Moody's
High quality with very low risk; fourth-highest possible rating
A+
S&P's
Strong; highest possible rating

Market Share

According to the NAIC, MetLife’s market share was 1.15 percent as of 2015, making it the 16th largest in the nation. That year, the company wrote $2.29 billion in property and casualty premiums for total private passenger auto.

Typical Discounts

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.

Roadside Assistance

Contact Phone Number

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

Mobile Apps

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.

History

MetLife was founded in 1863 by a group of New York City businessmen. However, it did not assume the name MetLife Insurance until 1868. The company began by insuring Civil War soldiers against disabilities brought about by the war, which was not as successful as expected. Five years into business, President James R. Dow decided to drop the casualty business and focus more on life insurance. From there, the Metropolitan Life Insurance Company was in full force.

In the late 1870s, President Joseph F. Knapp decided to bring over agents from England to train the American agency force. He believed using British methods would help the company crawl out of the severe business depression it and other life insurance businesses in the state of New York were in at the time. He was right: by 1900, MetLife was signing up 700 new industrial policies a day.

Today, MetLife continues to help its customers create their “own personal safety net,” as the website writes. And they are helping millions of customers do so upon the same principles they used to drive their business to success many years before.

Claims Process

To file a claim with MetLife, click here, or call 1-800-854-6011.

MetLife offers a unique feature for their claims process: MetLife Auto & Home Concierge Auto Repair Experience (“CARE”).

The CARE network is composed of car repair facilities to ensure that your vehicle is in the best of hands in the event of an auto accident. CARE also offers a “Drop & Go” rental service through Enterprise Rent-A-Car.

Contact Information

Claims Site
Customer Service Site

Mailing Address:
MetLife Auto & Home
PO Box 41753
Philadelphia, PA 19101-1753

Customer Service Phone Number: 1-800-638-5433