MetLife’s My Journey Review – Does My Journey Save You Money?

Last Updated on January 7, 2026

“My Journey” is commonly referenced as MetLife Auto & Home’s usage-based (telematics) discount program: you opt in, your driving is tracked through an app or device, and you may earn a discount for safer driving.

One important update: MetLife sold its U.S. Auto & Home business to Farmers in 2021, and many people now access auto/home coverage through MetLife’s group platform that connects to Farmers offerings. That means My Journey may still come up for some legacy customers, but availability and program details can vary by state, policy type, and carrier administration today.

So, is My Journey worth it? For good drivers—especially those with low mileage—telematics programs can be an easy way to earn a discount. But if you drive a lot, commute during high-risk hours, or frequently hit traffic that triggers “events” (hard braking, quick acceleration), your savings may be smaller.

What Is My Journey?

My Journey is a driver-tracking discount program historically associated with MetLife Auto & Home. The idea is simple: you opt in to telematics, your driving behavior is measured, and you may qualify for a discount tied to your score.

My Journey isn’t the only program like this. Many carriers offer telematics discounts through smartphone apps or devices—compare how programs work in reviews like Allstate’s Drivewise or GEICO’s DriveEasy.

How My Journey Works

Enrollment and setup can vary depending on where your policy is administered. In general, telematics programs follow a familiar pattern:

• Opt in and enroll (often through your agent or carrier portal).
• Install an app or activate a device and complete registration.
• Drive normally while the program tracks your trips for a set evaluation period.
• Receive a score and discount decision at renewal (or after the monitoring period), depending on program terms.

If you’re trying to enroll (or confirm whether you’re eligible), the fastest route is usually to contact your MetLife insurance agent or the servicing carrier listed on your declarations page.

What My Journey Tracks

My Journey is a type of telematics program, meaning it tracks driving behavior and uses that data to generate a score. While each program weights factors differently, the most common inputs include mileage, driving smoothness, speed patterns, and phone distraction.

Common telematics factors (including My Journey-style scoring) include:

• Total mileage and trip frequency
• Speed patterns (including whether you are speeding)
• Hard braking and sudden stops
• Rapid acceleration and aggressive driving behavior
• Phone use / distracted driving indicators
• Time-of-day driving and trip risk patterns (in some programs)

Tip: Most telematics apps allow you to review trips and see what’s lowering your score. If your app mislabels you as the driver when you’re a passenger, check the settings for “passenger mode” or trip reclassification (features vary by program and version).

How Much Can You Save With My Journey?

Older program materials commonly reference an initial “enrollment” discount and an additional discount at renewal based on your driving score. What you actually earn depends on state rules, your policy, and how the program is administered now.

Also note: not every telematics program is “discount-only.” Some insurers market telematics as a discount program, while others may allow your renewal rate to change (up or down) based on results. Always read your program terms before enrolling.

For other ways to reduce your premium (with or without telematics), see our guide to best auto insurance discounts.

Is My Journey Available in Your State?

Telematics programs are often available only in certain states because auto insurance rules and privacy requirements vary. Instead of relying on an old state list, confirm availability directly with your agent or carrier servicing your policy.

If you’re shopping around, remember that availability and discount potential can differ widely across insurance companies—even for drivers with similar habits.

Privacy, Battery Drain, and Other Real-World Downsides

Most telematics apps use your phone’s sensors (GPS, motion data, and phone-usage signals) to track trips. That can raise practical concerns:

• Battery usage: Always-on location and motion tracking can drain battery, especially on older phones.
• Trip accuracy: Some drivers report misread events (traffic-related braking, potholes, phone bumps, or being a passenger).
• Data comfort level: If you’re not comfortable sharing trip data, a traditional discount strategy may be a better fit.

Pros of MetLife My Journey-Style Telematics

• Can reward consistently safe, smooth driving with meaningful discounts
• Helpful feedback on habits that raise your risk (speeding, phone use, harsh braking)
• May stack with other savings strategies (bundling, safe-driver, low-mileage, etc.)

Cons of MetLife My Journey-Style Telematics

• Battery drain and always-on tracking can be frustrating
• Trip/event scoring can feel “unfair” in heavy traffic or poor road conditions
• Not ideal if you drive frequently at night, commute long distances, or share vehicles often

Final Word on MetLife My Journey

My Journey is best viewed as a legacy MetLife Auto & Home telematics discount program that may still apply to some customers depending on where and how their policy is serviced today. If you’re eligible, it can be worth trying if you drive smoothly, avoid phone distraction, and keep mileage low.

If your goal is simply to cut costs, you may be able to save just as much (or more) by shopping quotes, adjusting coverage intelligently, and using proven savings tactics—see our list of top ways to save on auto insurance.

FAQs on MetLife My Journey