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.
Prepare for the unexpected. We cover your most valuable property so you can focus on the important things in life.
“The work you did ensured we were back to somewhat normal within 2 hours of the accident" — Greg W., VT
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:
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
* Savings based on our 2021 countrywide research of new call center customers' average savings on auto insurance in 2020. Statistics do not reflect sales of the product sold on MetLife Auto & Home MyDirect®.
** Average derived from our 2021 analysis of MetLife Auto & Home's 2020 countywide average auto rate deviations for group employees and affinity group members.
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.
MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company (a MA licensee) 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, 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.