Auto Insurance Comparison
MetLife vs The General
Side-by-side comparison of MetLife vs The General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
MetLife comes out clearly ahead The General 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.
| MetLife | The General | |
|---|---|---|
| Overall score | 3.60 /5 ★★★★★ Highest overall | 3.25 /5 ★★★★★ |
| Best for | MetLife exited the U | The General writes non-standard auto insurance for drivers who can't easily get coverage from mainstream carriers |
| Read full review | MetLife review → | The General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | MetLife | The General |
|---|---|---|
| Customer experience | 3.60 | 3.00 |
| Coverage breadth | 3.80 | 3.00 |
| Affordability | 3.40 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
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
The General
Full review →Pros
- Strong specialization in non-standard risk — accepts drivers others reject
- Quick online quotes including SR-22 filings
- Available in 45 states, broader than most non-standard competitors
- Affordable for high-risk profiles that mainstream carriers price out
Cons
- Customer satisfaction and claims experience trend below industry averages
- Standard-risk drivers will pay more here than at mainstream carriers
- Coverage menu is intentionally minimal — limited add-on options
Coverage at a glance
What each carrier offers in standard policies.
MetLife
The General
The bottom line
MetLife
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 reviewThe General
If you've been denied by mainstream carriers or need SR-22 filing, The General is a legitimate option. If you're a standard-risk driver, you're paying for risk pooling you don't need — get quotes from GEICO and Progressive first.
Read the full The General 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.