Metropolitan Property and Casualty Auto Insurance Review (2023)
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.
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UPDATED: Sep 26, 2022
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 26, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Metropolitan Property and Casualty Insurance Company
Average monthly rate for good drivers:
N/AA.M. Best rating:
A+Complaint level:
LowThe Bottom Line
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.
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.
Is Metropolitan Property and Casualty Insurance Co a Good Choice?
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.
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 Co Rates
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 CompaniesCompany | 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 |
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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 ViolationAuto Violation | Average Annual Full Coverage Rates |
---|---|
Clean Record | $1,923 |
Accident | $3,270 |
Speeding Ticket | $2,680 |
Poor Credit | $2,887 |
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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.
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Metropolitan Property and Casualty Insurance Co Discounts Available
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 DiscountsAuto 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. |
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When buying auto coverage, asking a representative about all available discounts will ensure that you get the best possible rates.
Metropolitan Property and Casualty Insurance Co Coverage Options
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 CoveragesAuto 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. |
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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.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Reviewer100
Overall a very comprehensive policy
FLgirl
Metropolitan Saved The Day
grammie
Good customer service
Winnie52
Great prices
cbrunges
Pleased with Insurance company
nonenow2
Service
repilcalissa
Worst insurance company I have ever had.
rflem822
They don’t seem to reward loyalty.
Katad
Great Service! I recommend for everyone!
SandiReneeLia
Good