What Discounts Does MetLife Offer for Car Insurance?

Last Updated on January 4, 2026

MetLife is a well-known name in insurance, but it’s important to know that MetLife’s U.S. Auto & Home business was acquired by Farmers Insurance in 2021. In many cases, “MetLife auto insurance” discounts are now offered through Farmers programs (often through an employer or affinity group) rather than a standalone MetLife auto policy.

Below is a practical, updated guide to the most common MetLife car insurance discounts you may be able to stack—plus tips to make sure you’re not missing easy savings.

If you’re researching coverage quality first, start here: MetLife car insurance.

KEY TAKEAWAYS

1. MetLife Auto & Home Moved to Farmers: Many “MetLife auto insurance” discounts are now offered through Farmers programs, often via employer or affinity-group eligibility.
2. Stack the Big Discounts First: Multi-vehicle, bundling (home/renters), and group/affinity discounts typically create the largest savings.
3. Low Mileage Can Pay Off: If you drive less due to remote work, retirement, or a second car, updating your annual mileage can reduce your premium.
4. Do a Yearly Discount Review: Eligibility changes over time—ask for a discount audit at renewal or after major life events to avoid missing easy savings.

Important Update: MetLife Auto & Home Is Now Part of Farmers

Since the Auto & Home transition, discounts and eligibility rules can depend on things like your state, your employer/association relationship, and which Farmers underwriting company issues the policy. In other words: the discount categories below are common, but the exact percentage (or whether it’s offered) can vary.

MetLife Multi-Vehicle Discount

Insuring more than one vehicle on the same policy is one of the most reliable ways to lower your total premium. If you have multiple cars at the same household address, ask about a multi-vehicle discount and the best way to list drivers and vehicles correctly. Learn how it typically works here: discount to policyholders with multiple vehicles.

Insurance Bundling Discount

Bundling (also called a multi-policy discount) can reduce your auto premium when you pair it with another policy—most often homeowners or renters. If you have more than one policy need, bundling is usually worth quoting.

Two common bundle combinations:

• homeowners insurance + auto
• renters insurance + auto

Employer and Affinity Group Discounts

If your employer, alumni association, union, or professional organization has a group program, you may qualify for preferred rates (sometimes with extra perks like payroll deduction). This is one of the biggest “hidden” discount categories because many drivers don’t realize they’re eligible. Here’s how these programs usually work: your employer.

Low Mileage and Restricted-Use Discounts

If you don’t commute daily, work from home, or drive a second vehicle occasionally, you might qualify for a low-mileage discount. Insurers price risk partly based on how often you’re on the road.

Two quick tips:

• Estimate your annual mileage honestly—your insurer may validate mileage after a claim.
• If your driving habits changed recently, it’s worth updating your policy now instead of waiting for renewal.

More details: low and restricted mileage discounts. And if you’re not sure what “normal” looks like, see: average American annual mileage.

Vehicle Safety Features Discount

Many insurers offer discounts when your vehicle has modern safety and loss-prevention features—especially factory-installed equipment like anti-lock brakes, electronic stability control, airbags, and certain driver-assist systems.

If you’re unsure what your insurer recognizes, ask for a list of qualifying features and confirm what’s on your VIN build sheet. More context here: safety features.

Good Student Discount

Full-time students (often under age 25) may qualify for lower rates if they maintain strong grades or meet other eligibility rules (like standardized test scores or honor roll). Requirements vary by company and state, so ask what documentation is accepted. For paperwork tips, see: provide transcripts proving your good grades.

Mature Driver and Defensive Driving Discounts

Some insurers reduce rates for mature drivers (often starting around age 50) and for drivers who complete an approved defensive driving course. If you’ve taken a course recently—or you’re willing to—ask whether your state and policy type allow the discount and whether the course needs to be on an approved list.

Higher Deductible Savings

Raising your deductible can lower your premium, but only if you can comfortably pay that higher out-of-pocket amount after a loss. A common strategy is to increase the deductible and set aside the difference in an emergency fund. Here’s a deeper breakdown: raise your deductible.

Safe Driver and Claims-Free Savings

A clean driving record is still one of the strongest predictors of lower pricing. If you’ve been accident-free and violation-free for several years, you may qualify for additional “safe driver” or “claims-free” savings. In some group programs, this may show up as a renewal credit or reward.

Telematics and Usage-Based Programs

Many insurers now offer app-based or device-based programs that measure driving behaviors (like braking, acceleration, and phone distraction). If you’re a low-risk driver, telematics can be an easy way to earn discounts—especially if you don’t drive much.

If you had a legacy MetLife Auto & Home policy, you may remember MetLife’s program here: My Journey. Ask your agent what the current telematics option is for your specific policy setup.

Loyalty and Tenure Discounts

Many companies offer loyalty or tenure-based pricing after you’ve maintained continuous coverage for a certain period. If you’ve been insured for years and your rate keeps creeping up, it’s reasonable to ask what loyalty credits are available and whether you qualify. More on how these discounts work: loyalty discounts.

How to Get Every Discount You Qualify For

To maximize savings, treat this like a checklist:

1. Ask for a discount review at least once per year (or after major life changes).
2. Confirm household drivers and garaging address are accurate—misstatements can cause claim issues.
3. Verify your mileage estimate if your driving habits changed (remote work, retirement, second car, etc.).
4. Bundle strategically—sometimes bundling saves more on auto, sometimes more on home/renters.
5. Consider telematics if you’re a cautious driver and can tolerate app tracking.

Final Word on MetLife Auto Insurance Discounts

The best way to save is to stack discounts: multi-vehicle, bundling, group/affinity eligibility, low mileage, and safe-driver programs can add up quickly. Because discount availability can vary by state and program, your fastest path to savings is a quick discount audit with an agent or customer service.

If you need the right contact channel for older MetLife-branded policies, start here: Contact MetLife.

FAQs on MetLife Auto Insurance Discounts