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Car Insurance

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

Protect yourself and your family with custom-fit car insurance from MetLife Auto & Home®. Be covered in case of an accident or theft and save big with an employee or association discount while you’re at it.

Individuals can enjoy:

  • Great savings. Good drivers deserve a good fit…and healthy savings. You could pocket hundreds with discounts and save even more for every year you drove claim-free.1
  • Coverage that suits you. Comprehensive and collision coverage is just the beginning. Our policies also give you the flexibility to dial up (or down) your peace of mind. Choose from new car replacement2, special parts replacement3, enhanced rental car damage coverage4, and more. And because there’s only one you, receive identity theft protection5 at no extra cost.
  • Did someone say convenient? Life can be complicated, which is why we make insurance so easy. Our customer service is accessible and personal. You can choose from different payment options, and you’re able to manage your account online for anytime, anywhere access. Just in case you want to view your policy at 2 a.m. while on vacation. Not that you would, but you could.

It’s good to be part of a group:

  • Special discounts. Here’s a helpful nugget of information: People who received MetLife Auto & Home® auto insurance quotes through a benefit programs offered by their employers or affinity groups saved an average of $597 per year!6
  • Coverage you just can’t shake. If you went on sabbatical, retired, or left your company, your coverage would continue without interruption or change, subject to policy terms and conditions.
  • You won’t miss out. Group participants are still eligible for replacement coverage for total loss, rewards for good driving, enhanced rental car damage coverage, identity theft protection5, and more. And your premiums are more affordable to boot.

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1 Deductible Savings BenefitSM/Diminishing Deductible are not available in all states. NY drivers must pay a state-required minimum deductible before using this benefit. Benefit can be earned for up to 5 years. Depending on your policy form, the benefit could be up to $250 or $500.

2 If you had a total loss with your brand new auto within the first year or 15,000 miles (whichever occurred first), we would repair or replace it with a brand new auto and take no deduction for depreciation. This does not apply to a substitute auto, an auto you do not own, nor a vehicle leased under a long-term contract of six months or more (subject to deductible). Does not apply to theft of tires or batteries, unless the entire vehicle were stolen. Deductible applies for special parts. Not available in NC.

3 If items such as your tires, batteries, steering or electrical wiring, or brake parts were damaged in a covered loss and needed to be replaced, they would be replaced with no deduction for depreciation. This coverage does not apply to theft of tires or batteries, unless the entire vehicle were stolen (subject to deductible). Not available in NC.

4 If your rental car were damaged in a covered loss, this coverage would provide additional protection under your policy’s Physical Damage Coverage (subject to deductible). We would pay the expenses to the rental agency for: loss of use (the rental agency’s loss of rental income); reasonable fees and charges (e.g., storage fees incurred by the rental agency); and loss of market value of the damaged rental.   Not available in NC.

5 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's policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.

6 Employees have saved an average of $597.  Savings based on our 2019 countrywide research of new call center customers’ annual average savings in 2018.  Statistics do not reflect sales of the products sold on MetLife Auto & Home MyDirect®.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, 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, discounts, and policy features vary by state and product, and are available in most states to those who qualify. Policies have exclusions, limitations, and terms under which the policy may be continued in force or discontinued. For costs and complete details of coverage, contact your local MetLife Auto & Home representative or the company.