Home › Companies › Best Auto Insurance Companies › Metropolitan Property and Casualty Auto Insurance Review (2024)
Insurance Content Team Lead
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ow.
Written by Laura KuhlInsurance Content Team Lead
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica.
Reviewed by Travis ThompsonLicensed Insurance Agent
UPDATED: Aug 19, 2024
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: Aug 19, 2024
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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[su_box title="Things to Remember" style https://www.autoinsurance.org/category/shopping-for-car-insurance/affordable-car-insurance/">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.
Originally a part of MetLife, the Metropolitan Property & Casualty Insurance Co. 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 Metro Property and Casualty Insurance 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.
Table of Contents
The Metropolitan Property and Casualty Insurance Company (or Metro Prop and Cas Ins Co.) 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.
Read More: Best Auto Insurance CompaniesEnter your ZIP code below to view companies that have cheap auto insurance rates.
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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 Metropolitan 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.
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.
The Metropolitan Property and Casualty Insurance Company, sometimes called the Metropolitan Property & Casualty Insurance Company or Metropolitan P&C 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.
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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 with a Metropolitan Property and Casualty insurance policy.
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:
Adding these optional coverages to a policy increases Metropolitan Property and Casualty Insurance Company auto insurance quotes.
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 Company claims phone number at 1-800-854-6011. After filing a claim, customers can track the claim’s progress by visiting www.myautohome.farmers.com.
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.
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Drivers who buy Metropolitan Property & Casualty 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 phone number at 1-800-422-4272. In addition to making policy changes, representatives at this number can answer any questions you have about coverage.
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 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 quotes are higher 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.
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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 insurance from Metropolitan is by bundling coverages. For example, the Metropolitan Property and Casualty Insurance Company offers auto and home insurance. Buying M etropolitan Property and Casualty home insurance, alongside auto insurance can result 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.
Metropolitan Property and Casualty Auto Insurance is an insurance company that provides coverage for automobiles. They offer a range of policies designed to protect drivers and their vehicles from various risks and liabilities.
Metropolitan Property and Casualty offers several types of auto insurance policies, including:
You can purchase Metropolitan Property and Casualty Auto Insurance by contacting their customer service or visiting their website. They typically offer quotes online or over the phone, allowing you to customize your coverage options based on your needs.
Several factors can affect the cost of Metropolitan Property and Casualty Auto Insurance, including:
To file a claim with Metropolitan Property and Casualty Auto Insurance, you should contact their claims department as soon as possible after an accident or incident. They will guide you through the process and provide instructions on what information and documentation you need to provide to initiate the claim.
Yes, Metropolitan Property and Casualty provides online account management tools that allow you to access and manage your policy online. You can typically make payments, view policy details, update personal information, and request policy changes through their online portal or mobile app.
Metropolitan Property and Casualty Auto Insurance offers various discounts that can help you save on your premiums. Some common discounts include:
You can get in touch with one of their agents by contacting Metropolitan Property and Casualty Insurance Company customer service number or sending out an email. Their contact information is typically available on their website or in the policy documents provided to you.
The Metropolitan Property and Casualty Insurance Company ratings and reviews are positive. The company has been rated an A+ by A.M. Best and S&P and an Aa3 by Moody’s.
Farmers Insurance now owns the company, while MetLife still handles the company claims process.
MetLife is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates such as: Economy Fire and Casualty Company, Economy Premier Assurance Company, Metropolitan Casualty Insurance Company, MetLife Auto & Home Insurance Agency, Inc., Metropolitan Direct Property and Casualty Insurance Company, and Metropolitan Group Property and Casualty Insurance Company.
MetLife has earned an A+ rating from A.M. Best and ranked 14th out of 21 insurers in the 2022 U.S. Individual Life Insurance Study for customer satisfaction.
It can vary depending on several factors, such as the complexity of the claim, the type of insurance (like auto, home, or liability), and the specific circumstances surrounding the claim.
Yes, MetLife is generally considered a safe and reliable insurance company. It is one of the largest global providers of insurance, annuities, and employee benefits with a long history dating back to 1868.
MetLife is one of the largest global insurance providers and is ranked among the leading insurance companies worldwide. It holds substantial market share and maintains high financial stability ratings from major credit rating agencies, such as an ‘AA-‘ financial strength rating from Fitch.
No, MetLife is not part of Farmers Insurance. MetLife, Inc. is its own distinct entity.
You can call 1-800-854-6011 to make Metropolitan insurance auto claims.
Metropolitan Property and Casualty Insurance Company in located in Spring Hill, FL.
You can use the Online Service Center Customer Login portal provided by MetLife.
You can generally find this information on their official website or your insurance documents. However, the most commonly used Metropolitan insurance phone number for customer service inquiries is 1-800-638-2886.
In 2017, MetLife spun off a substantial portion of its U.S. retail life insurance and annuity business into a separate company called Brighthouse Financial.
MetLife is still known as MetLife, Inc. The company has not changed its name and continues to operate under the MetLife brand globally.
Farmers Insurance Group acquired the MetLife Auto & Home business from MetLife, Inc.
The MetLife companies provide life insurance, annuities, auto and home insurance.
MetLife operates in nearly 50 countries around the world:
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Insurance Content Team Lead
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. In 2018, she started writing for the cannabis industry. She curated news articles and insider interviews with investors and small business ow.
Written by Laura KuhlInsurance Content Team Lead
Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica.
Reviewed by Travis ThompsonLicensed Insurance Agent
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.
