Metlife Review: Auto / Homeowners Insurance Price Competitiveness, AM Best Financial Strength Ratings & Complaints 2009-2014

This Metlife Insurance review will evaluate, for the most recent six year period where reliable statistics are available (2009, 2010, 2011, 2012, 2013, & 2014), the home & auto insurance complaint records for the subsidiary companies of Metlife Auto & Home Insurance, to determine whether each subsidiary, such as Metropolitan Direct Property & Casualty Insurance Company or Economy Premier Assurance Company, has a better-than-average, average, or worse-than-average customer complaint record.

I’ll also look at the JD Power ratings for Metlife auto & homeowner insurance pricing, and increases & decreases in market share (as measured by annual written premiums) for each Metlife subsidiary, as a possible indication of high or low insurance rates. In addition, I’ll review the AM Best Financial Strength Ratings for the Metlife insurance companies, too.

Be sure to use the information in this review and the ad below this paragraph (or the ad at the end of this review) to request price quotes from multiple insurance companies, and find the best auto or home insurance company for you.

There are plenty of insurance company reviews & customer complaints on the Web. Will positive or negative customer reviews help you choose a better auto or home insurance company? Can customer reviews at least help you avoid insurance companies with unacceptable customer service? You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. The wise consumer should avoid insurance companies with a worse than average history of auto or home insurance complaints, but most reviews online don’t have enough complaint data to make a fair comparison among insurance companies.

The detailed information in this review, and my review of the JD Power auto & homeowners customers & claims satisfaction ratings for Metlife Insurance, compare Metlife auto & homeowners insurance to the industry average and competing companies for customer service, customer complaints, claims processing performance, and insurance rates, but if you don’t want to read all the details, you can go to my review here, to see at a glance if Metlife consistently performs better than average, average, or worse than average for customer service, claims, complaints, and pricing, and compare Metlife to over 40 other U.S. auto & home insurance companies.

If you find this Metlife review useful, please like it on Facebook & share the link to this review or my site with your friends & family through social media. Bookmark this page for updates as the latest complaint data becomes available.


Metlife Auto & Home Insurance Customer Complaints, Pricing, & Ratings Review

Metlife sells auto and homeowners insurance in most US states & DC, through various ways: direct from the company, through employer relationships as an employee benefit for group coverage, and through its own Metlife insurance agents and independent insurance agents located in communities across the USA. Metlife Auto & Home is the 14th largest auto insurer in the USA, and the 13th largest home insurer in the USA, based on direct written premiums, per AM Best, as of 8/1/2012.

Like most insurance companies, Metlife Auto & Home consists of several subsidiary companies. The use of more than one insurance subsidiary company is usually to offer different pricing to customers with specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or offer different types of insurance, such as life insurance or motorcycle insurance. In addition, Metlife Auto & Home uses separate subsidiaries based on how the auto or home insurance policy is sold, such as direct from the company, as group coverage through an employer relationship, or from a Metlife or independent insurance agent.

The important thing to remember is each subsidiary has its own pricing, so rates will vary, if you are eligible for more than one Metlife Auto & Home insurance subsidiary. It is recommended, if you want to find the best auto & home insurance rates from Metlife Auto & Home, to get price quotes direct from the company, through an agent, and to check with your employer, to see if group coverage is available to you. Be sure to check the complaint ratings for the Metlife Auto & Home subsidiaries you are quoted, before purchasing a policy.

You can request an auto insurance quote from Metlife at its website. Or, by using the ads at the top or bottom of this review, you may be able to get price quotes from Metlife, as well as price quotes from Metlife’s leading competitors.

This Metlife Insurance review is divided into four sections, consisting of: 1. AM Best Financial Strength Ratings for the Metlife insurance companies, 2. its auto insurance customer complaint record, 3. its home insurance customer complaint record, and 4. the competitiveness of Metlife auto & home insurance rates compared to other major auto & home insurance companies.

1. AM Best Financial Strength Ratings for the Metlife insurance companies

The Metlife insurance companies insuring autos and/or homes in the USA, Economy Fire & Casualty Company, Economy Preferred Insurance Company, Economy Premier Assurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company, Metropolitan General Insurance Company, Metropolitan Group Property & Casualty Insurance Company, Metropolitan Lloyds Insurance Company of Texas, and Metropolitan Property and Casualty Insurance Company had their A (Excellent) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed on 12/04/2014, and they have maintained this rating since 2010 or longer. A is the third highest rating for AM Best.

These Metlife insurance companies selling life insurance in the USA, First MetLife Investors Insurance Company, General American Life Insurance Company, MetLife Insurance Company USA, Metropolitan Life Insurance Company, Metropolitan Tower Life Insurance Company, New England Life Insurance Company, had their A+ (Superior) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) affirmed also on 12/04/2014, and they have maintained this rating since 2010 or longer. A+ is the second highest rating for AM Best.

I become concerned with any automobile, homeowners, or life insurance company or subsidiary not rated or with less than an A- rating for financial strength from AM Best.

AM Best financial strength ratings are not a measure of customer service or the quality of the claims adjusting for any of the Metlife companies, but an opinion about their ability to pay claims, remain financially solvent, and stay in business. I recommend avoiding, if possible or practical, any auto or homeowners insurance company with lower than an “A-” rating for financial strength from AM Best. Some major auto & home insurance companies have the same or higher financial strength ratings than the Metlife companies, but the difference in financial strength among A++, A+, A, & A- rated companies is not significant to me unless higher rated companies are the same or better in terms of price, coverage, claims handling, and customer service.

Metlife Auto & Homeowners Insurance Complaint Record 2009-2014

You may really like your car or home insurance company, or you may have heard from relatives or friends about the insurance companies they think are best, but you never really know how good your insurance company will be, until you have a serious claim. A great way to evaluate an auto or home insurance company’s claims service is to look at its customer complaint record.

A measure of quality for an auto or homeowners insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, compared to the industry average and competing companies. Some of the most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim.

Sections #2 & #3 of this review will show you if Metlife auto & home insurance has a better-than-average, average, or below-average complaint record, based on its 2009, 2010, 2011, 2012, 2013 & 2014 customer complaint statistics. These sections of the review provides valuable information, to help you decide if Metlife, or a competitor, like Allstate or Hartford, is a better insurance company for you. By choosing a company with a better-than-average complaint history, or at least avoiding companies with consistent, worse-than-average complaint records, you decrease the likelihood you will have a negative experience, when you need your auto or home insurance company.

The complaint statistics, called complaint ratios, used in this Metlife Insurance review are the number of upheld complaints filed against each of the Travelers companies with a state’s insurance regulatory authority, adjusted for each subsidiary’s market share, as determined by the National Association of Insurance Commissioners.

The complaint ratios for the Metlife insurance companies listed below display the ratio of the company’s U.S. Market Share of closed complaints compared to the company’s U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an auto or home insurance company with complaint ratios less than 1.00 each year, at least over the most recent three years.

So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Metlife has a good or poor complaint record.

Here’s how I establish my auto & homeowners insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $50,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as very small market share.

2. Metlife Auto Insurance Complaint Statistics & Ratings

Metlife auto insurance complaint record considering all subsidiaries:

Average

Metlife Auto & Home Insurance has nine subsidiary companies insuring private passenger vehicles in the states where Metlife Auto & Home sells auto insurance.

Here is the auto insurance complaint data for each Metlife subsidiary:

Metropolitan Property & Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.73)

2014 US auto insurance premium = $632,126,722

2013 Auto Insurance Complaint Ratio = B (.71)

2013 US auto insurance premium = $611,338,605

2012 Auto Insurance Complaint Ratio = C+ (.77)

2012 US auto insurance premium = $579,858,192

2011 Auto Insurance Complaint Ratio = C- (1.07)

2011 US auto insurance premium = $572,676,831

2010 Auto Insurance Complaint Ratio = W (1.44)

2010 US auto insurance premium = $565,660,168

2009 Auto Insurance Complaint Ratio = C+ (.81)

Metropolitan Property & Casualty Insurance Company, not to be confused with Metropolitan Direct Property & Casualty Insurance Company or Metropolitan Group Property & Casualty Insurance Company, is most likely sold by agents, not direct from the company or through employer-related group coverage. Metropolitan Property & Casualty Insurance Company is authorized to insure vehicles in all the US states, except Alaska, California, and the District of Columbia, but it may not be selling auto insurance in all the states where it’s authorized.

The Metropolitan Property & Casualty Insurance Company subsidiary has a lower than average number of auto insurance complaints each year from 2012 to 2014, but higher than average auto insurance complaint ratios in 2010 & 2011. Metropolitan Property & Casualty Insurance Company’s number of auto insurance complaints, in its worst year during the six year period (2010), was 44% more than the industry average. The auto insurance market share for Metropolitan Property & Casualty Insurance Company has increased each year since 2010, which may be an indication Metropolitan Property & Casualty Insurance Company has competitive auto insurance rates.

Metropolitan Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C+ (.78)

2014 US auto insurance premium = $493,633,637

2013 Auto Insurance Complaint Ratio = B (.46)

2013 US auto insurance premium = $519,045,613

2012 Auto Insurance Complaint Ratio = B (.39)

2012 US auto insurance premium = $540,139,897

2011 Auto Insurance Complaint Ratio = B (.50)

2011 US auto insurance premium = $566,309,147

2010 Auto Insurance Complaint Ratio = B (.47)

2010 US auto insurance premium = $572,472,183

2009 Auto Insurance Complaint Ratio = B (.48)

Metropolitan Casualty Insurance Company is authorized to insure vehicles in many US states, except Alaska, California, District of Columbia, Hawaii, Idaho, Massachusetts, Michigan Montana, North Carolina, North Dakota, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, South Carolina, South Dakota, Vermont, & Wyoming, but it may not be selling auto insurance in all the states where it’s authorized.

The Metropolitan Casualty Insurance Company subsidiary has a lower than average number of auto insurance complaints each year from 2009 to 2014, with its number of auto insurance complaints in its worst year (2014) during this period, still at 78% of the industry average. The auto insurance market share for Metropolitan Casualty Insurance Company has decreased each year since 2010, which may be an indication Metropolitan Casualty Insurance Company no longer has competitive auto insurance rates, or the subsidiary may no longer be selling new auto insurance policies.

Metropolitan General Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (3.01)

2014 US auto insurance premium = $17,829,547

2013 Auto Insurance Complaint Ratio = W (2.32)

2013 US auto insurance premium = $18,713,542

2012 Auto Insurance Complaint Ratio = W (2.27)

2012 US auto insurance premium = $19,969,844

2011 Auto Insurance Complaint Ratio = W (1.56)

2011 US auto insurance premium = $21,830,794

2010 Auto Insurance Complaint Ratio = B (.33)

2010 US auto insurance premium = $26,024,008

2009 Auto Insurance Complaint Ratio = B (.50)

Metropolitan General Insurance Company is authorized to insure vehicles in many US states, except Alaska, Arkansas, California, District of Columbia, Delaware, Hawaii, Iowa, Massachusetts, Maryland, North Carolina, Nebraska, New Jersey, New Mexico, Nevada, Oklahoma, South Carolina, South Dakota, Vermont, & West Virginia, but it may not be selling auto insurance in all the states where it’s authorized. Metropolitan General Insurance Company has an extremely small auto insurance market share, so it has very few auto insurance customers.

The Metropolitan General Insurance Company subsidiary has a worse than average number of auto insurance complaints each year for the most recent four years. Its number of auto insurance complaints in its worst year during the six year period (2014) is 301% of the industry average. The auto insurance market share for Metropolitan General Insurance Company has decreased each year since 2010, which may be an indication Metropolitan General Insurance Company does not have competitive pricing for its auto insurance, or the subsidiary may no longer be selling new auto insurance policies.

Metropolitan Direct Property & Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = W (1.45)

2014 US auto insurance premium = $259,480,250

2013 Auto Insurance Complaint Ratio = W (1.41)

2013 US auto insurance premium = $254,307,165

2012 Auto Insurance Complaint Ratio = C- (1.13)

2012 US auto insurance premium = $232,366,569

2011 Auto Insurance Complaint Ratio = C- (1.19)

2011 US auto insurance premium = $222,114,242

2010 Auto Insurance Complaint Ratio = C- (1.24)

2010 US auto insurance premium = $211,279,236

2009 Auto Insurance Complaint Ratio = C- (1.06)

Metropolitan Direct Property & Casualty Insurance Company, not to be confused with Metropolitan Property & Casualty Insurance Company or Metropolitan Group Property & Casualty Insurance Company, is most likely sold direct from the company, not through local agents or through employer-related group coverage.

Metropolitan Direct Property & Casualty Insurance Company is authorized to insure vehicles in Alaska, Arizona, California, Colorado, District of Columbia, Georgia, Illinois, Kentucky, Maryland, Michigan, Missouri, Mississippi, North Carolina, Nebraska, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Wisconsin, & West Virginia, but it may not be selling auto insurance in all the states where it’s authorized.

The Metropolitan Direct Property & Casualty Insurance Company subsidiary has higher than average number of auto insurance complaints each year since 2010, with its number of auto insurance complaints in its worst year during the period (2014), at 45% more than the industry average. The auto insurance market share for Metropolitan Direct Property & Casualty Insurance Company has increased each year since 2010, which may be an indication Metropolitan Direct Property & Casualty Insurance Company has competitive auto insurance rates.

Metropolitan Group Property & Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C+ (.87)

2014 US auto insurance premium = $539,846,038

2013 Auto Insurance Complaint Ratio = C (1.03)

2013 US auto insurance premium = $505,102,329

2012 Auto Insurance Complaint Ratio = B (.62)

2012 US auto insurance premium = $468,892,975

2011 Auto Insurance Complaint Ratio = B (.69)

2011 US auto insurance premium = $444,174,082

2010 Auto Insurance Complaint Ratio = C (1.03)

2010 US auto insurance premium = $426,678,166

2009 Auto Insurance Complaint Ratio = C+ (.79)

Metropolitan Group Property & Casualty Insurance Company, not to be confused with Metropolitan Property & Casualty Insurance Company or Metropolitan Direct Property & Casualty Insurance Company, is most likely sold through employer-related group coverage, not by any local Metlife or independent agent.

Metropolitan Group Property & Casualty Insurance Company is authorized to insure vehicles in most states & DC, except California, Colorado, Hawaii, Kentucky, Massachusetts, Maine, Minnesota, Mississippi, North Carolina, New Mexico, Oregon, South Carolina, Virginia, West Virginia, & Wyoming, but it may not be selling auto insurance in all the states where it’s authorized.

The Metropolitan Group Property & Casualty Insurance Company subsidiary has lower than average number of auto insurance complaints in four of the last six years, with its number of auto insurance complaints in its worst years (2010 & 2013) during the period, at only 3% more than the industry average. The auto insurance market share for Metropolitan Group Property & Casualty Insurance Company has increased each year since 2010, which may be an indication Metropolitan Group Property & Casualty Insurance Company has competitive auto insurance rates.

Metropolitan Lloyd’s Insurance Company of Texas Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.57)

2014 US auto insurance premium = $149,569,178

2013 Auto Insurance Complaint Ratio = C+ (.80)

2013 US auto insurance premium = $136,227,414

2012 Auto Insurance Complaint Ratio = B (.42)

2012 US auto insurance premium = $107,152,226

2011 Auto Insurance Complaint Ratio = B (.10)

2011 US auto insurance premium = $85,946,139

2010 Auto Insurance Complaint Ratio = B (.10)

2010 US auto insurance premium = $80,647,514

2009 Auto Insurance Complaint Ratio = C (1.01)

Metropolitan Lloyd’s Insurance Company of Texas is available in the state of Texas only.

The Metropolitan Lloyd’s Insurance Company subsidiary has lower than average number of auto insurance complaints in the most recent five of the last six years, with its number of auto insurance complaints in its worst year (2009) from 2009 to 2013, at only 1% more than the industry average. The auto insurance market share for Metropolitan Lloyd’s Insurance Company has increased each year since 2010, which may be an indication Metropolitan Lloyd’s Insurance Company has competitive auto insurance rates.

Economy Premier Assurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.50)

2014 US auto insurance premium = $85,746,011

2013 Auto Insurance Complaint Ratio = B (.23)

2013 US auto insurance premium = $95,623,112

2012 Auto Insurance Complaint Ratio = B (.59)

2012 US auto insurance premium = $106,629,522

2011 Auto Insurance Complaint Ratio = B (.57)

2011 US auto insurance premium = $120,408,308

2010 Auto Insurance Complaint Ratio = B (.37)

2010 US auto insurance premium = $137,818,646

2009 Auto Insurance Complaint Ratio = B (.46)

Economy Premier Assurance Company is authorized to insure vehicles in most states, except Alaska, California, District of Columbia, Delaware, Hawaii, Idaho, Kentucky, Massachusetts, Maine, Michigan, North Dakota, New Hampshire, New Jersey, Nevada, Rhode Island, South Carolina, Texas, Utah, & Vermont, but it may not be selling auto insurance in all the states where it’s authorized.

The Economy Premier Assurance Company subsidiary has maintained a better-than-average auto insurance complaint history over the last six years, with its number of auto insurance complaints in its worst year during the five year period, at 59% of the industry average. The auto insurance market share for Economy Premier Assurance Company has decreased each year since 2010, which may be an indication Economy Premier Assurance Company does not have competitive auto insurance rates, or the subsidiary may no longer be selling new auto insurance policies.

Economy Preferred Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.64)

2014 US auto insurance premium = $67,044,371

2013 Auto Insurance Complaint Ratio = B (0) (No complaints)

2013 US auto insurance premium = $53,167,108

2012 Auto Insurance Complaint Ratio = B (.55)

2012 US auto insurance premium = $32,692,471

2011 Auto Insurance Complaint Ratio = W (2.69)

2011 US auto insurance premium = $9,502,440

2010 Auto Insurance Complaint Ratio = W (3.55)

2010 US auto insurance premium = $2,380,526

2009 Auto Insurance Complaint Ratio = W (5.87)

Economy Preferred Insurance Company is authorized to insure vehicles in Alabama, Arizona, Iowa, Illinois, Indiana, North Carolina, Oregon, Pennsylvania, Utah, & Washington, but it may not be selling auto insurance in all the states where it’s authorized. Economy Preferred Insurance Company is a subsidiary with a small, but fast-growing auto insurance market share.

The Economy Preferred Insurance Company subsidiary has a better than average number of complaints in the three most recent years of 2012, 2013 & 2014, but a worse than average annual auto insurance complaint record in 2009, 2010, & 2011. I prefer an auto insurance company to have better than average complaint ratios in the most three recent years. The auto insurance market share for Economy Preferred Insurance Company has increased a lot each year since 2010, which may be an indication Economy Preferred Insurance Company has competitive auto insurance rates.

Economy Fire & Casualty Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.65)

2014 US auto insurance premium = $16,531,359

2013 Auto Insurance Complaint Ratio = W (1.59)

2013 US auto insurance premium = $13,673,584

2012 Auto Insurance Complaint Ratio = W (3.13)

2012 US auto insurance premium = $11,578,620

2011 Auto Insurance Complaint Ratio = B (0) (No complaints)

2011 US auto insurance premium = $10,670,976

2010 Auto Insurance Complaint Ratio = W (1.70)

2010 US auto insurance premium = $9,961,412

2009 Auto Insurance Complaint Ratio = C+ (.86)

Economy Fire & Casualty Company is authorized to insure vehicles in Illinois, Indiana, Michigan, North Carolina, Tennessee, & Wisconsin, but it may not be selling auto insurance in all the states where it’s authorized. Economy Fire & Casualty Company is a subsidiary with a very small, but growing auto insurance market share.

The Economy Fire & Casualty Company subsidiary has a worse than average annual auto insurance complaint record in three of the last six years, with its number of auto insurance complaints in its worst year during the six year period (2012), at 313% of the industry average. The auto insurance market share for Economy Fire & Casualty Company has increased each year since 2010, which may be an indication Economy Fire & Casualty Company has competitive auto insurance rates.

3. Metlife Homeowners (including condo, mobile home, & renters) Insurance Complaint Statistics & Ratings

Metlife home insurance complaint record considering all subsidiaries:

Better than average

Metlife Auto & Home Insurance insures homes & personal property through the seven subsidiary companies listed below.

Here is the home insurance complaint data for each Metlife subsidiary:

Metropolitan Property & Casualty Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.43)

2014 US home insurance premium = $676,806,667

2013 Home Insurance Complaint Ratio = B (.56)

2013 US home insurance premium = $656,787,471

2012 Home Insurance Complaint Ratio = B (.41)

2012 US home insurance premium = $607,463,701

2011 Home Insurance Complaint Ratio = B (.67)

2011 US home insurance premium = $560,959,359

2010 Home Insurance Complaint Ratio = B (.59)

2010 US home insurance premium = $529,399,467

2009 Home Insurance Complaint Ratio = B (.66)

Metropolitan Property & Casualty Insurance Company, not to be confused with Metropolitan Direct Property & Casualty Insurance Company or Metropolitan Group Property & Casualty Insurance Company, is most likely sold by agents, not direct from the company or through employer-related group coverage. Metropolitan Property & Casualty Insurance Company is authorized to insure homes in all the US states, except Alaska, California, and the District of Columbia, but it may not be selling homeowners, condo or renters insurance in all the states where it’s authorized.

The Metropolitan Property & Casualty Insurance Company subsidiary has a better-than-average home insurance complaint history over the last six years, with its number of home insurance complaints in its worst year during this period, at 67% of the industry average. The home insurance market share for Metropolitan Property & Casualty Insurance Company has increased each year since 2010, which may be an indication Metropolitan Property & Casualty Insurance Company has competitive home insurance rates.

Metropolitan Casualty Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.51)

2014 US home insurance premium = $71,928,868

2013 Home Insurance Complaint Ratio = B (.30)

2013 US home insurance premium = $71,699,223

2012 Home Insurance Complaint Ratio = B (.12)

2012 US home insurance premium = $66,956,443

2011 Home Insurance Complaint Ratio = B (.13)

2011 US home insurance premium = $60,117,551

2010 Home Insurance Complaint Ratio = C (1.03)

2010 US home insurance premium = $53,027,804

2009 Home Insurance Complaint Ratio = B (.35)

Metropolitan Casualty Insurance Company is authorized to insure homes in most US states, except Alaska, California, District of Columbia, Hawaii, Idaho, Massachusetts, Michigan, Montana, North Carolina, North Dakota, New Hampshire, New Jersey, New Mexico, Nevada, Ohio, South Carolina, South Dakota, Vermont, & Wyoming, but it may not be selling homeowners, condo or renters insurance in all the states where it’s authorized. Metropolitan Casualty Insurance Company is a subsidiary with a smaller, but growing home insurance market share.

The Metropolitan Casualty Insurance Company has a better-than-average annual home insurance complaint record in the most recent four of the last six years, with its number of home insurance complaints in its worst year during the six-year period, at only 3% more than the industry average. The home insurance market share for Metropolitan Casualty Insurance Company has increased substantially each year until 2014 when there was almost no growth, which may be an indication Metropolitan Casualty Insurance Company no longer has very competitive pricing for its home insurance.

Metropolitan Direct Property & Casualty Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.20)

2014 US home insurance premium = $46,412,975

2013 Home Insurance Complaint Ratio = C- (1.07)

2013 US home insurance premium = $40,794,827

2012 Home Insurance Complaint Ratio = W (1.48)

2012 US home insurance premium = $33,215,529

2011 Home Insurance Complaint Ratio = W (1.44)

2011 US home insurance premium = $28,157,166

2010 Home Insurance Complaint Ratio = C- (1.10)

2010 US home insurance premium = $24,991,860

2009 Home Insurance Complaint Ratio = W (1.83)

Metropolitan Direct Property & Casualty Insurance Company, not to be confused with Metropolitan Property & Casualty Insurance Company or Metropolitan Group Property & Casualty Insurance Company, is most likely sold direct from the company, not through local agents or through employer-related group coverage.

Metropolitan Direct Property & Casualty Insurance Company is authorized to insure homes in Alaska, Arizona, California, Colorado, District of Columbia, Georgia, Illinois, Kentucky, Maryland, Michigan, Missouri, Mississippi, North Carolina, Nebraska, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Wisconsin, & West Virginia, but it may not be selling homeowners, condo or renters insurance in all the states where it’s authorized. Metropolitan Direct Property & Casualty Insurance Company is a subsidiary with a small, but growing home insurance market share.

The Metropolitan Direct Property & Casualty Insurance Company has a higher than average number of home insurance complaints each year from 2009 to 2013, but its number of home insurance complaints in 2014 was only 20% of the industry average. The home insurance market share for Metropolitan Direct Property & Casualty Insurance Company has increased each year since 2010, which may be an indication Metropolitan Direct Property & Casualty Insurance Company has competitive pricing for its home insurance.

Metropolitan Group Property & Casualty Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = C+ (.77)

2014 US home insurance premium = $130,108,349

2013 Home Insurance Complaint Ratio = B (.36)

2013 US home insurance premium = $120,654,111

2012 Home Insurance Complaint Ratio = B (.68)

2012 US home insurance premium = $109,102,685

2011 Home Insurance Complaint Ratio = B (.32)

2011 US home insurance premium = $100,793,325

2010 Home Insurance Complaint Ratio = C+ (.87)

2010 US home insurance premium = $94,371,081

2009 Home Insurance Complaint Ratio = B (.29)

Metropolitan Group Property & Casualty Insurance Company, not to be confused with Metropolitan Property & Casualty Insurance Company or Metropolitan Direct Property & Casualty Insurance Company, is most likely sold through employer-related group coverage, not by any local independent or Metlife agent.

Metropolitan Group Property & Casualty Insurance Company is authorized to insure homes in most US States & DC, except California, Colorado, Hawaii, Kentucky, Massachusetts, Maine, Minnesota, Mississippi, North Carolina, New Mexico, Oregon, South Carolina, Virginia, West Virginia, & Wyoming, but it may not be selling homeowners, condo or renters insurance in all the states where it’s authorized.

The Metropolitan Group Property & Casualty Insurance Company has a lower than average number of home insurance complaints record each year since 2010, with its number of home insurance complaints in its worst year during this period, at 87% of the industry average. The home insurance market share for Metropolitan Group Property & Casualty Insurance Company has increased each year since 2010, which may be an indication Metropolitan Group Property & Casualty Insurance Company has competitive home insurance rates.

Metropolitan Lloyd’s Insurance Company of Texas Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.18)

2014 US home insurance premium = $100,967,350

2013 Home Insurance Complaint Ratio = B (.48)

2013 US home insurance premium = $91,413,831

2012 Home Insurance Complaint Ratio = B (.12)

2012 US home insurance premium = $69,052,718

2011 Home Insurance Complaint Ratio = B (.32)

2011 US home insurance premium = $51,206,060

2010 Home Insurance Complaint Ratio = C+ (.80)

2010 US home insurance premium = $45,467,936

2009 Home Insurance Complaint Ratio = B (.47)

Metropolitan Lloyd’s Insurance Company of Texas is available in the state of Texas only.

The Metropolitan Lloyd’s Insurance Company of Texas has a lower than average number of home insurance complaints record each year since 2010, with its number of home insurance complaints in its worst year during this period, at 80% of the industry average. The home insurance market share for Metropolitan Lloyd’s Insurance Company of Texas has increased each year since 2010, which may be an indication Metropolitan Lloyd’s Insurance Company of Texas has competitive home insurance rates.

Economy Premier Assurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.40)

2014 US home insurance premium = $113,578,184

2013 Home Insurance Complaint Ratio = B (.09)

2013 US home insurance premium = $123,156,410

2012 Home Insurance Complaint Ratio = B (.25)

2012 US home insurance premium = $129,640,371

2011 Home Insurance Complaint Ratio = B (.24)

2011 US home insurance premium = $135,989,706

2010 Home Insurance Complaint Ratio = B (.31)

2010 US home insurance premium = $145,691,047

2009 Home Insurance Complaint Ratio = B (.16)

Economy Premier Assurance Company is authorized to insure homes in most US States, except Alaska, California, District of Columbia, Delaware, Hawaii, Idaho, Kentucky, Massachusetts, Maine, Michigan, North Dakota, New Hampshire, New Jersey, Nevada, Rhode Island, South Carolina, Texas, Utah, & Vermont, but it may not be selling homeowners, condo or renters insurance in all the states where it’s authorized.

The Economy Premier Assurance Company has maintained a better-than-average home insurance complaint history since 2010, with its number of home insurance complaints in its worst year during this period, at 40% of the industry average. However, the home insurance market share for Economy Premier Assurance Company has decreased each year since 2010, which may be an indication Economy Premier Assurance Company does not have competitive home insurance rates, or the subsidiary may not be selling new home insurance policies.

Economy Fire & Casualty Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = $6,171,522

2013 Home Insurance Complaint Ratio = W (1.63)

2013 US home insurance premium = $6,654,337

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $7,333,671

2011 Home Insurance Complaint Ratio = B (0) (No complaints)

2011 US home insurance premium = $8,004,960

2010 Home Insurance Complaint Ratio = C- (1.06)

2010 US home insurance premium = $8,612,372

2009 Home Insurance Complaint Ratio = B (0) (No complaints)

Economy Fire & Casualty Company is authorized to insure homes in Illinois, Indiana, Michigan, North Carolina, Tennessee, & Wisconsin, but it may not be selling homeowners, condo or renters insurance in all the states where it’s authorized. Economy Fire & Casualty Company has an extremely small home insurance market share, so it may have limited availability.

The Economy Fire & Casualty Company has had no home insurance complaints in four of the last six years, and only one home insurance complaint each year in 2010 & 2013, but due to its extremely small home insurance market share, resulted in a 1.06 home insurance complaint ratio for 2010 and a 1.63 home insurance complaint ratio for 2013. The home insurance market share for Economy Fire & Casualty Company has decreased each year since 2010, which may be an indication Economy Fire & Casualty Company does not have competitive pricing for its home insurance, or the subsidiary may not be selling new home insurance policies.

4. Metlife Auto & Home Insurance Rates & Pricing Compared to Competitors

Homeowners Insurance Pricing

Metlife received the rating of three power circles (about average) for the category of Homeowners Insurance Pricing in the national 2014 JD Power U.S. Homeowners Insurance Satisfaction study. The following companies rated better than average (4 power circles or 5 power circles) for lower homeowners insurance rates in the 2014 JD Power Homeowners Insurance Satisfaction study: Auto-Owners, Amica, Automobile Club of Southern California, Hartford, Erie, Mercury, and GEICO.

Auto Insurance Pricing

Metlife received the lowest rating of two power circles for the category of Pricing in the 2016 JD Power U.S. Auto Insurance Purchase Experience Study, which reflects the opinion of auto insurance shoppers about the rates they were quoted by Metlife. The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates nationally in the 2016 JD Power Auto Insurance Purchase Experience Study: USAA, Erie, Liberty Mutual, The Hartford, American Family, Automobile Club Group, Travelers, Ameriprise, CSAA Insurance Group, and Mercury.

Travelers received the rating of three power circles (about average) in the states of Connecticut, Illinois, Indiana, Maine, Massachusetts, Michigan, New Hampshire, New York, Ohio, Rhode Island, Vermont, and Wisconsin, for the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study, which reflects the opinion of current Metlife policyholders about the auto insurance rates they pay.

However, Metlife received the highest rating of five power circles (among the best) in the state of Florida, for the category of auto insurance pricing in the 2015 JD Power Auto Insurance Customer Satisfaction study.

The following companies rated above average (4 power circles or 5 power circles) for lower auto insurance rates in the 2015 JD Power Auto Insurance Customer Satisfaction study in the some of the same states where Travelers was rated: USAA, GEICO, Grange, COUNTRY, Indiana Farm Bureau, Hartford, and Progressive.

Remember, the companies with the best rates for some people participating in a survey may not have low rates for you. To get lower auto or home insurance rates, the only way to know if any insurance company has high or low rates for you is to conduct your own pricing survey, by obtaining price quotes & reviewing your coverage with all the leading insurance companies in your state, to find the best company for you.

It pays to shop. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. No single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

Thanks for reading this Metlife Insurance review about its auto & home insurance pricing, auto & home insurance complaints, & AM Best ratings. You can find other reviews of leading auto, home, & life insurance companies on my website & blog. What do you think of Metlife auto & home insurance? Did you find this review useful? Comment on my facebook page. If you have questions, you can reach me at help@smartshopyourcarinsurance.com. Follow me on Twitter for important insurance consumer news & new blog entries at CarInsWatch.