Metropolitan Lloyd’s Auto Insurance Review (2020)

Metropolitan Lloyd doesn't offer quotes online, but MetLife does. Comparison shopping may save you up to 20% on your next auto insurance policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 29, 2022

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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.

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.

Company Details
Address: P.O. Box 350
City: Warwick
State: Rhode Island
ZIP Code: 02887
Phone Number: 1-800-638-5433
Year Founded: 1993
AM Best Rating: A

Things to Remember...

  • Metropolitan Lloyd’s is a subsidiary of Metropolitan Property and Casualty Insurance
  • Metropolitan Lloyd’s is also affiliated with MetLife, a company that provides a variety of products
  • Metropolitan Lloyd’s offers auto insurance but does not maintain its own website

This Metropolitan Lloyd’s auto insurance review will notify consumers that the company is a subsidiary of Metropolitan Property and Casualty Insurance Company, and also affiliated with MetLife.

Metropolitan Lloyd’s, while it does offer auto insurance, does not have a website for purposes of obtaining auto insurance quotes.

As an alternative, MetLife maintains an extensive website, so this auto insurance review will focus on MetLife.

Since it was founded in 1868 in New York City, MetLife has provided a variety of insurance products, annuities, and employee benefits programs.

Interested in the best deals on auto insurance rates? Enter your ZIP code here.

MetLife Auto Insurance Quotes

When a potential customer wants an auto insurance quote, he can visit the MetLife website’s link to find an agent via a zip code search or just complete the short form, and a MetLife agent will contact the customer right away.

Easier still is the online instant quote request form because it’s free, and the consumer can discuss the resulting options with a MetLife agent.

The form will ask for some personal information as well as details about the vehicles and drivers. Another option for obtaining a quote is to call 1-800-MET-AUTO.

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MetLife Auto Insurance Products

In addition to the standard policies that are required for many drivers, MetLife offers expanded liability protection, comprehensive coverage advantages, and personal injury protection.

Additional features are available that will broaden customers’ protection such as uninsured and underinsured motorists or unexpected medical payments.

Also available are several discount options, including safe driver programs and rewards for young drivers. Customers can assemble a package of coverage options to fit their individual needs.

MetLife offers a package of auto insurance benefits that surpass traditional coverage. These features include:

  • Enhanced rental car damage protection
  • Full replacement cost for total losses
  • Full replacement cost for major auto parts
  • Multi-policy discounts

Protection from lost wages due to an accident, benefits to survivors when death occurs, and coverage of legal fees resulting from an accident are also additional features available.

MetLife Auto Insurance Claims

When a customer is involved in an accident and needs to file a claim, he can call MetLife’s claim service at 1-800-854-6011. Claims representatives are available 24 hours a day, seven days a week, 365 days a year.

Online forms can be submitted for glass repair and towing service claims. If a customer can have his auto glass repaired rather than replaced, MetLife will waive the deductible payment.

For filing a towing service claim, the customer can access the eSERVICE link on the MetLife website.

MetLife Auto Insurance Customer Service

The MetLife website is extensive and provides helpful information for customers who have questions about which insurance products best fit their needs.

The tab called “Life Advice” offers multiple articles on a wide variety of topics, including safety, financial obligations, and life transitions that would affect a customer’s necessary level of coverage.

A downloadable PDF of “Life Advice: Auto Insurance” serves as a valuable reference when making auto insurance decisions.

The MetLife website also contains helpful explanations of various insurance terms, so that a customer can understand every aspect of an auto insurance premium bill.

Customers can make changes to their accounts or profile information, access online forms, or contact customer service representatives.

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MetLife Insurance Careers

If someone is interested in a career with MetLife, the online resources are extensive. The company’s website’s career guide details the types of career paths available at the company, and people can find jobs that fit their personalities.

For example, scrolling over a silhouette of a woman reveals personality characteristics including, “good negotiator” and “decision maker.”

If those traits describe a job seeker, then that person can click on the silhouette to see a list of careers to pursue at MetLife.

MetLife has been named one of the “Best Places to Launch a Career” by BusinessWeek magazine.

Among the many opportunities for college students are internships and programs for new graduates.

The Leadership Development Program guides those interested in management careers in gaining the knowledge and experience they need to be a successful manager at MetLife.

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for Metropolitan Property and Casualty Insurance Co

3.99 (57 reviews)
July 31, 2019


Overall a very comprehensive policy

The MetLife Grandprotect policy is very comprehensive. Their billing is a little screwy however, with the way they apply credits and debits from changes.
July 30, 2019


Metropolitan Saved The Day

We had recently moved to FL from NY and found it challenging to find an insurance company that would fit our needs. We had attempted to bundle it with our homeowners policy, but found it would cost us more than having single policies! We contacted Metropolitan in NY and they wrote our FL policy with no problem and have been our carrier since.
September 29, 2018


Good customer service

I always get great customer service from this company and the are very professional and accurate with their claims.
September 18, 2018


Great prices

Metroploitan insurance company is a great company! Low rates and competitive prices as customer service.
July 31, 2018



Great service. Good rates. Get a live person to speak to when ever I call. Very happy with the company
April 9, 2018


Great Service! I recommend for everyone!

Great service! The pricing is very affordable. They helped us out in times of great despair, and they were so heartful. Thank you very much! Excellent customer service!
March 8, 2018



Good. No problems. They always remind me when my payment is due, as I am forgetful and always forget.
March 7, 2018


Good Company

Customer Service is great. I’ve never had a problem with a claim. They are, however, a little more expensive than competitors so I may switch soon.
February 12, 2018


Damage from the sky.

I recently had a tree branch fall on my car and damaged the windshield and hood. I was able to contact via phone and someone was able to look and confirm the damage within a day.
February 8, 2018


MetLife is a great company for Michigan

They have been extremely good regarding claims and their price is very reasonable for this state. They have worked with the body shop to make sure we received the vehicles back in time and that we were satisfied with their work. They are only a phone call away and you talk to a live person - not a recording.
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