Auto Insurance Comparison
American Family vs MetLife
Side-by-side comparison of American Family vs MetLife auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
American Family edges ahead MetLife in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| American Family | MetLife | |
|---|---|---|
| Overall score | 3.85 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | American Family is a Midwest-rooted mutual carrier that ranks consistently well on customer satisfaction and offers a usage-based program with real teeth | MetLife exited the U |
| Read full review | American Family review → | MetLife review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | American Family | MetLife |
|---|---|---|
| Customer experience | 4.00 | 3.60 |
| Coverage breadth | 4.10 | 3.80 |
| Affordability | 3.50 | 3.40 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
American Family
Full review →Pros
- American Family provides a variety of savings on vehicle insurance coverage.
- The firm also offers numerous other types of insurance, which may be combined to save money.
- American Family's mobile app is simple to use and includes features like tracking claim progress, scheduling payments, and calling roadside help.
Cons
- Because American Family does not offer a comprehensive list of extra coverage enhancements or endorsements for vehicle policies, customers with more sophisticated insurance needs should continue their research.
- While homeowners rated American Family vehicle insurance positively, renters rated this provider below average in our Customer Satisfaction Survey.
MetLife
Full review →Pros
- Strong financial backing during its time as a personal auto carrier
- Solid claims-handling reputation among legacy policyholders
- Brand recognition and trust from decades in the personal-lines market
Cons
- No longer writing new U.S. auto policies — the business sold to Farmers in 2021
- Existing policies transitioned to Farmers administration, which may have shifted service quality and rates
- If you're shopping for a new policy today, MetLife is not an active option
Coverage at a glance
What each carrier offers in standard policies.
American Family
MetLife
The bottom line
American Family
American Family is a solid pick in the Midwest and Western states where it operates. If you're outside its footprint or shopping purely on rate, broader carriers will usually price more aggressively.
Read the full American Family reviewMetLife
MetLife is no longer an active U.S. personal auto carrier. If you're shopping now, see our Farmers review for the current picture — that's the carrier administering the former MetLife book.
Read the full MetLife reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.