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Car Insurance

Car insurance covers you in case of an accident or theft. Save with an employee or association discount!

Car Insurance

Why choose car insurance from MetLife Auto & Home?

  • Great savings. Save hundreds with discounts for good drivers and savings for every year you drive claim-free.1
  • Quality coverage. MetLife Auto & Home offers comprehensive and collision coverage and options to suit your needs. Many of our policies offer new car replacement, special parts replacement, enhanced rental car damage coverage and identity theft protection at no extra cost.2
  • Convenience. You decide: you can call to get personalized customer service and enhanced coverage, then choose between multiple payment options and schedules. With this option, you can access your policy information by phone, online or through our mobile app, anytime, anywhere. Or, you can quickly enter your information, get a quote, buy and manage your policy entirely online with MetLife Auto & Home MyDirectSM (not available in all states).

Group Car Insurance

Find out if you're eligible:

  • Group discounts. Most people saved an average of $507 per year!3 We can offer these savings because your employer provides you access to a group insurance program with special low rates as part of your employee benefits.
  • Coverage that stays with you. If you retire, leave your company or go on leave, you can still continue your coverage without interruption or change.
  • Great features. Even though the policy's cheaper, you'll still have access to all our policy benefits. These include replacement coverage for total loss, rewards for good driving, enhanced rental car damage coverage, identify theft protection and more.2
I need to learn more about car insurance.
What types of basic auto insurance coverage does MetLife Auto & Home offer?

MetLife Auto & Home® offers a wide variety of coverage options, including:

  • Liability protection, which pays claims if you're responsible for an accident that causes bodily injuries and property damage.
  • Collision and comprehensive coverage, which pays for damage to your car if it hit another vehicle or object, no matter who caused the accident.4 It also pays for damage to your car caused by events like theft, vandalism, fire, flood, and hail.
  • Personal injury protection, which covers the costs of doctors, hospitals, and funeral expenses for you, members of your household, and/or your passengers, if a covered accident occurs, no matter who was at fault. You'll also be protected when you drive another person's car (with permission) or if a vehicle hits you or a family member as pedestrians.4
  • Uninsured motorists coverage, which pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. Coverage for both you and your passengers includes medical expenses, lost wages, and other injury-related losses.4
  • Underinsured motorists coverage, which pays for damages if you're injured in an accident caused by someone who doesn't have enough insurance to cover your medical expenses.
What other types of coverage are available?

MetLife Auto & Home® offers a wide variety of coverage options, including:

  • Rental car coverage. This will pay costs to the rental agency if you have an accident driving a rental car.
  • New car replacement. If you total your new car within one year of purchase or during the first 15,000 miles—whichever comes first—you get it repaired or it will be replaced with a new car with no deduction for depreciation.5
  • Special parts replacement. We'll pay to replace certain major parts—like tire, brakes and batteries--no matter what their wear-and-tear/depreciated value at the time of the accident.6
  • Glass repairs without a deductible. If your windshield is chipped or cracked, we'll repair it and waive your deductible.
  • Towing and roadside assistance and labor cost coverage. If your car breaks down while traveling, this can help reimburse you for towing and other roadside-assistance expenses.
  • Legal defense costs. If you're sued, we'll cover your legal fees. We'll also reimburse you for up to $200 per day for lost wages, if you attend a hearing or trial at our request.
  • Lease/loan gap coverage. Your vehicle's lease or loan will be paid off if your vehicle is a total loss due to an accident, even if the amount exceeds the value of your vehicle.
What types of car insurance discounts and rewards does MetLife Auto & Home offer?
  • Deductible Savings Benefit. Automatically earn $50 every year you don't make a claim (to a maximum of $250) that may be used toward your deductible, if you have a covered loss.1
  • Defensive Driver Discount. Earn up to a 7% discount by completing a qualifying driver training course, like the one on the National Safety Council website.7
  • Superior Driver Discounts and MetRewards. Earn up to a 12% Superior Driver Discount if all of the drivers in your household have outstanding driving records, or up to 20% off your policy through the MetRewards program, if you are claim and violation-free for 5 years.8
  • Bundle and save. Save up to 10% with our multi-product and multi-policy discounts for having home as well as auto insurance with us. Check out our Bundle and Save page for more details! Sample multi-policy discounts:
    • Auto/Home multi-policy discount: 10%
    • Auto/Life multi-policy discount: 5% 9
  • Good Student Discount. Your star high school or college student could earn you a 15% discount if he or she qualifies.
If I have a group policy, what happens if I retire, go on leave or change companies?

No worries! Your policy and coverage will continue without interruption, subject to policy terms and conditions. You'd be able to pay your insurance premiums through our EFT payment plan, by credit or debit card, through bills received by mail, or, in some cases, by pension deduction. If your premium is currently deducted from your paycheck and you go on short-term disability, like parental leave, your coverage stays in effect throughout your leave (subject to policy terms). If you were on payroll deduction and you're not receiving a regular paycheck from your employer, you'll receive a bill directly by mail.10

What's the process for reporting an accident and filing a claim?

To file a claim with MetLife Auto & Home, call 1-800-854-6011—we're open 24 hours a day, 7 days a week, 365 days a year. If you need to file a claim against another driver, you'll need to contact that person's insurance company or agent and give the other company your insurance information. If you purchased collision coverage, you won't have to wait for the other driver to pay for damages: we will pay for damage to your car minus your deductible, regardless of who is at fault. Depending on the claim, you may be assigned a primary adjuster who conducts a thorough investigation of the accident, a field adjuster who appraises your car vehicle, a total loss specialist who finalizes the vehicle value, and a medical payments/personal injury protection adjuster who handles medical bills, like emergency room visits. If your repair shop finds additional damage that wasn't included in the original estimate, your repair shop will advise the appraiser, who will then write up a supplemental estimate that includes the additional damage. A second check is issued for the additional damage.         

My lienholder is showing up on the claim I've reported and/or the claim check. What should I do?

If you've paid off your auto loan but your lienholder is showing up on the claim reported, contact your primary claim adjuster right away. You will be asked to mail or fax a copy of your vehicle's title with the stamp indicating that the lien was discharged. The claim adjuster will forward the copy of the title to our service center, which will update your policy automatically. If you lease your vehicle or if you are still making loan payments, the leasing company or lienholder must be listed on the claim check. To cash the check, simply contact your lienholder's or leasing company's customer service department to find out how it will arrange to endorse the check. Once it has been endorsed, you may deposit it into your bank account.

Find the right car insurance today.

We can help you find solutions to meet your unique needs. Just fill out the form—there's no obligation.

Contact MetLife: All fields are required

By clicking submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433.

*A MetLife company or third party acting on MetLife's behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.

1 Deductible Savings Benefitsm is not available in all states. NY drivers must pay a state-required minimum deductible before using this benefit.

2 Subject to deductible. See policy for restrictions. Not available in all states. Identity Protection Services are not available to auto customers in NC or NH nor with all policy forms. Identity Protection Services are available in NC homeowner policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.

3 Savings based on our 2016 countrywide research of new call center customers’ annual average savings in 2015.

4 See policy for restrictions.

5 Subject to deductible and state availability. See policy for restrictions. Does not apply to leased, substitute, or non-owned autos. Applies within the first 12 months, or first 15,000 miles of ownership, whichever comes first.

6 Subject to deductible and state availability. See policy for restrictions.

7 You must be a licensed driver for at least two years. Additional restrictions apply. Speak to a MetLife Auto & Home representative to be sure that course you enroll in is an eligible qualifier for the discount. Discount and availability varies by state.

8 Discounts and availability vary by state.

9 Auto/Home Multi-policy Discount: A discount will apply to the total policy premium for those insured with both home and private passenger automobile insurance with MetLife Auto & Home. The percentage amount of the discount may vary by state. The Auto/Home Multi-policy Discount is not available to auto policies where the insured's homeowners insurance is a renter's policy, and is not available on the homeowners policy, if the auto policy is written by Metropolitan General Insurance Company or at a nonstandard rate level. 
Receive 5% off your auto policy premium when you already purchased qualifying life insurance or annuity products written by Metropolitan Life Insurance Company or an affiliated company domiciled in the United States. Not available in all states.

10 Subject to applicable law, individual qualification, and local availability, if you move interstate upon your termination. Not all policies are available in all states. Payments may be made by cash, check, or by credit/debit card except in those cases where electronic payments are required. The same insurance is available regardless of the method of payment.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.

© 2016 MetLife Auto & Home