Metropolitan Property and Casualty Auto Insurance Review (2022)
Originally a part of MetLife, the Metropolitan Property and Casualty Insurance Company is now a subsidiary of Farmers Insurance. Customers can find competitive Metropolitan Property and Casualty Insurance Company rates for the standard auto coverages. Additionally, the company has been rated an A+ by A.M. Best.
- The Metropolitan Property and Casualty Insurance Company is a subsidiary of Farmers Insurance
- The Metropolitan Property and Casualty Insurance Company provides the standard auto coverages
- The Metropolitan Property and Casualty Insurance Company has been rated an A+ by A.M. Best
The Metropolitan Property and Casualty Insurance Company is a subsidiary of Farmers Insurance, providing cheap auto insurance. Formerly a part of MetLife, the company offers the standard auto coverages and has been rated an A+ by A.M. Best.
Knowing more about the Metropolitan Property and Casualty Insurance Company will help you decide if it’s the right choice.
Before starting this Metropolitan Property and Casualty Insurance Company review, enter your ZIP code to get free auto insurance quotes in your area.
Table of Contents
Does the Metropolitan Property and Casualty Insurance Company have competitive rates?
The cost of auto insurance is a common concern among drivers. Comparing various providers is the best way to determine the most cost-effective option.
The Metropolitan Property and Casualty Insurance Company was once a part of MetLife but is now a subsidiary of Farmers Insurance. However, the company’s rates remain the same after the transfer.
Comparing affordable Metropolitan Property and Casualty Insurance Company auto insurance rates with other companies will help you decide if it’s a cost-effective option. The following chart shows the company’s average annual full-coverage rates compared to other companies.
Average Annual Metropolitan Property and Casualty Insurance Company Full Coverage Rates vs. Other Companies
| Company | Average Annual Full Coverage Rates |
|---|---|
| AAA | $1,948 |
| Allstate | $1,896 |
| American Family | $1,218 |
| Amica | $1,449 |
| Erie | $1,141 |
| Farmers | $1,540 |
| GEICO | $1,260 |
| Metropolitan Property and Casualty | $1,923 |
| The Hartford | $1,572 |
As you can see, the Metropolitan Property and Casualty Insurance Company has higher rates than many top competitors. However, the company’s rates are still competitive compared to these companies.
There are various factors that affect auto insurance rates. High-risk drivers will always experience higher rates. In addition to average rates, drivers should also consider how a violation will impact the cost of coverage.
The following chart shows the average annual full-coverage rates for Metropolitan Property and Casualty Insurance Company customers based on common driving violations.
Metropolitan Property and Casualty Insurance Company Average Annual Full Coverage Rates by Violation
| Auto Violation | Average Annual Full Coverage Rates |
|---|---|
| Clean Record | $1,923 |
| Accident | $3,270 |
| Speeding Ticket | $2,680 |
| Poor Credit | $2,887 |
This chart shows that rates increase the most when a driver has an accident. However, you can also expect to see significant increases in rates if you get a speeding ticket or have poor credit.
What coverages are offered by the Metropolitan Property and Casualty Insurance Company?
While rates are a common factor when choosing a car insurance company, customers should also consider the available coverages. Finding a company with the standard insurance options will ensure protection from any incident.
The Metropolitan Property and Casualty Insurance Company provides the standard coverages that you’ll find from the most popular companies. The following table shows the traditional options offered by the Metropolitan Property and Casualty Insurance Company.
Metropolitan Property and Casualty Insurance Company Auto Insurance Coverages
| Auto Insurance Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
In addition to these standard coverages, the Metropolitan Property and Casualty Insurance Company also offers various additional options that customers can add to a policy for a fee. Optional coverages provided by the Metropolitan Property and Casualty Insurance Company include:
- Replacement cost coverage for parts: Replaces damaged tires, brakes, and batteries.
- New car replacement: Pays the entire replacement cost of the insured vehicle.
- Custom sound equipment coverage: Protects any aftermarket sound systems that you add to the insured car.
- Glass repairs without deductible: Waives the deductible for replacing a damaged window or windshield.
- GAP coverage: Pays the difference between what you owe on the car and its current value after being totaled.
- Rental car insurance: Provides supplemental protection against damages incurred while driving a rental car.
- Rental car reimbursement coverage: Pays the cost of a rental car while the insured vehicle is undergoing repairs after an accident.
Adding these optional coverages to a policy increases Metropolitan Property and Casualty Insurance Company auto insurance quotes.
What discounts are available from the Metropolitan Property and Casualty Insurance Company?
Car insurance rates can be expensive, especially for a high-risk driver. To mitigate these prices, most insurance companies provide discounts to lower rates. These discounts make high-cost insurance much more affordable.
One of the best ways to lower your rates is by bundling coverages. For example, the Metropolitan Property and Casualty Insurance Company offers auto and home insurance and buying these coverages with the same company results in savings.
In addition to bundling coverages, the Metropolitan Property and Casualty auto insurance company offers several deals to help drivers save. The following table shows the most common discounts provided by the company.
Metropolitan Property and Casualty Insurance Company Auto Discounts
| Auto Discount | Discount Eligibility |
|---|---|
| Affinity group | Membership in an affiliated group. |
| Anti-theft | Own a vehicle with anti-theft devices. |
| Automatic payment | Make automatic payments each month. |
| Claim-free | Avoid filing a claim for five years. |
| Defensive driving | Complete a defensive driving course. |
| Good student | Maintain a 3.0-grade point average in high school or college. |
| Mature driver | Older drivers with a policy. |
When buying auto coverage, asking a representative about all available discounts will ensure that you get the best possible rates.
How is the Metropolitan Property and Casualty Insurance Company rated?
Credit rating agencies review and rate insurance companies based on financial strength. These financial ratings determine the company’s ability to provide a payout when you file a claim.
The Metropolitan Property and Casualty Insurance Company has been rated an A+ by A.M. Best and S&P and an Aa3 by Moody’s. These ratings are among the best in the industry and indicate that the company will always pay when you file a claim.
Does the Metropolitan Property and Casualty Insurance Company have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) review complaints made about insurance companies. Examining these reviews allows drivers to determine a company’s quality of service.
At the time of this review, the BBB has received 766 complaints about the Metropolitan Property and Casualty Insurance Company over the past three years. Most of these complaints are about the company’s products and services.
According to the NAIC, the Metropolitan Property and Casualty Insurance Company has a complaint index ratio of 3.04. This number indicates that the company has triple the amount of complaints about a company of a similar size.
How can you file Metropolitan Property and Casualty Insurance Company claims?
Even though Farmers Insurance now owns the company, MetLife still handles the Metropolitan Property and Casualty Insurance Company claims process. This decision makes the transition easier for customers.
Customers can make claims by calling the Metropolitan Property and Casualty Insurance phone number at 1-800-854-6011. After filing a claim, customers can track the claim’s progress by visiting www.myautohome.farmers.com.
How can you make Metropolitan Property and Casualty Insurance Company payments?
The easiest way for customers to make Farmers Metropolitan Property and Casualty Insurance Company payments is through the company website or app. Like filing claims, MetLife handles payments, which customers can complete through the MyMetLife e-payment system.
Signing into your account allows customers to make payments by debit or credit card. Entering your login information will display all of your policies and enable you to pay online. This option is usually the most efficient way of making payments.
The company also allows customers to make payments through wire transfers. Customers can use this option as a one-time payment or standing order. The latter allows the company to withdraw the amount due automatically.
Customers who prefer to make payments in person can visit one of the company stores. The company has locations all over the country, and customers can make in-person payments by debit card, credit card, or check.
How can you make Metropolitan Property and Casualty Insurance Company policy changes?
Drivers who buy Metropolitan Property and Casualty Insurance Company auto insurance can make policy changes online or by phone. The easiest way is to enter your account online, allowing you to adjust your policy quickly.
However, you can also call the Metropolitan Property and Casualty Insurance Company contact number at 1-800-422-4272. In addition to making policy changes, representatives at this number can answer any questions you have about coverage.
Who is the Metropolitan Property and Casualty Insurance Company?
The Metropolitan Property and Casualty Insurance Company began as the auto and home arm of MetLife in 1972. In April 2021, MetLife sold the company to Farmers Insurance.
MetLife still handles claims and payments to make the transition easier on customers. However, Farmers Insurance underwrites the policies.
Metropolitan Property and Casualty Insurance Company: The Bottom Line
Originally a part of MetLife, the Metropolitan Property and Casualty Insurance Company was sold to Farmers Insurance in April 2021. The company has competitive rates, several discounts, and has been rated an A+ by A.M. Best.
Learning more about the Metropolitan Property and Casualty Insurance Company will help you decide if the company is a good fit for your auto insurance needs.
Now that you know about the Metropolitan Property and Casualty Insurance Company, enter your ZIP code to find free auto insurance rates in your area.