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Auto Insurance

Protect against the unexpected with customizable auto coverage that fits your life.

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Auto Coverage that Fits

MetLife Auto & Home’s auto insurance offers the best coverage options to fit your life and budget. Our drivers have saved an average of $562* per year.

  • Quickly bounce back from the unexpected with roadside assistance, repair and referral networks, replacement coverage for total loss3 and identity theft protection services6
  • Choose from options like new car replacement3 or special parts replacement4, enhanced car rental damage coverage4, and more
  • Access to our customer service with personalized, 24/7 customer service, convenient options to access your account and submit claims anytime, anywhere
  • Help monitor and improve distracted driving with our My Journey® smartphone program
  • Save with good driver rewards, automated payment discounts and multi-product and policy savings7

We also offer special discounts of 15%** on average based on where you work or associations you belong to. Find out if you’re eligible for MetLife Auto & Home® auto insurance benefits program today!


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Prepare for the unexpected. We cover your most valuable property so you can focus on the important things in life.

Bundle & Save 

Ready to save more and worry less? Our multi-policy discounts offers $906* on average while protecting the most important things in life. 

Why MetLife Auto & Home?

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With custom-fit protection from MetLife Auto & Home, you and your family can take comfort in knowing you have the right amount of coverage.


Concerned that your basic policy won’t cover everything? Protect your assets with an added layer of liability coverage.

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Have a question about your policy? Looking to find the right coverage option for your needs? Need to upgrade a policy to cover more? We’re here to help!


“The work you did ensured we were back to somewhat normal within 2 hours of the accident" — Greg W., VT



Find the Right Fit for You and Your Family

It’s easy to tell when something isn’t a perfect fit because it’s uncomfortable. When it comes to auto insurance, the right fit is critical.

Auto Insurance FAQs

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Liability protection pays claims if you’re at fault for injuries or property damage.1 This includes an accident where injuries to a person occur, or property damage from your car impacts someone else’s property, such as a car, mailbox, or fence on someone’s land.

Collision coverage pays for damages to your car if it impacts another vehicle or object, or if your car rolls over, no matter who was at fault.1

Comprehensive coverage also pays for damages to your car caused by something other than a collision, such as theft, vandalism, fire, flood, and hail.

Medical payments coverage covers the costs of doctors, hospitals, and funeral expenses for you, members of your household, and/or your passengers, resulting from a covered accident, regardless of who was at fault. You’ll also be protected when you drive another person’s vehicle (with permission) or if a car hits you or a family member, as pedestrians. In some states, medical payments coverage is referred to as personal injury protection, and may pay for lost wages2.

If you have an accident while driving a rental car, you’ll be covered for costs from the rental agency such as8:

  • Rental income lost during repairs
  • Claim handling expenses
  • Decrease in market value of the rental (Not available in NC)
  • Related expenses, such as towing and storage2

Uninsured motorists coverage pays the cost of damages and injuries resulting from being hit by an uninsured or hit-and-run driver. It also provides coverage if an uninsured driver strikes you or family members as pedestrians.1

Underinsured motorists coverage will pay for damages that exceed the amount of coverage carried by an underinsured driver.2

  • 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 can get it repaired or it will be replaced with a new car with no deduction for depreciation.3
  • Major parts replacement: we’ll pay to replace certain major parts, such as tire, brakes and batteries, no matter what their wear-and-tear or depreciated value is at the time of the accident.4 (Not available in NC.)
  • Glass repairs without a deductible: if your windshield is chipped or cracked, we’ll repair it and waive your deductible.
  • 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 or loan gap coverage: this ensures that your vehicle’s lease or loan is paid off if your vehicle is a total loss due to an accident, even if the amount exceeds the value of your vehicle. 1

* Savings based on our 2021 countrywide research of new call center customers’ annual average savings on auto and home insurance in 2020. Statistics do not reflect sales of the product sold on MetLife Auto & Home MyDirect®.

 1 See policy for restrictions.

2 See policy for details and restrictions. All coverages not available in all states.

3Subject 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.

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

6 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.

7 Discounts and availability vary by state.

8 Requires Comprehensive and Collision coverages on at least one vehicle insured under the policy. See policy for restrictions and state applicability.

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. 

MetLife Auto & Home is a brand used by Metropolitan Property and Casualty Insurance Company (a MA licensee) and certain of its affiliates: Economy Fire & Casualty Company, Economy Premier Assurance Company, Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, MetLife Auto & Home Insurance Agency, Inc., Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), 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. The Farmers Insurance Group® has purchased all the entities described above. Farmers did not purchase Metropolitan General Insurance Company.

© 2021 MetLife Auto & Home