Metlife vs. Foremost Insurance

Which insurance company is right for you? Compare savings, pros & cons, and quotes from Metlife and Foremost.

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Metlife vs. Foremost: What You Need to Know

In 1869, MetLife began offering financial protection to working-class Americans, mostly Civil War sailors and soldiers. It was then called the Metropolitan Life Insurance Company and soon shifted to a focus on life insurance. By 1909, MetLife was the nation’s largest life insurer. From1907 to 2005, the Metropolitan Life Insurance Company Tower was the company’s headquarters in Lower Manhattan. It was the world’s tallest building until 1913. This famous building emanated light for years with the slogan, “The light that never fails,” and it was often featured in MetLife advertisements.

In 1952, Edward J Frey and Edward L. Stoddard founded Foremost Insurance Company. Their focus was originally on people who lived in mobile homes. They created the first mobile home insurance policy in history. The company also developed safety standards for mobile homes. Today the company offers a wide range of insurance, including auto insurance, RV insurance business insurance, and home insurance. Foremost Insurance Group is a member of the Farmers Insurance Group of Companies and has more than 38,000 agents across the country, operating in all 50 states. Foremost Insurance rebranded its auto insurance line as Bristol West in 2018 to improve its customer service and claims handling processes. Foremost insurance has a great reputation as a reliable insurer of nonstandard high-risk auto policies and older homes.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit MetLife Auto & Home Overview and Foremost Overview.

MetLife Auto & Home vs. Foremost: How much are the Average Rates?

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MetLife Auto & Home vs. Foremost: Rates by Number of Vehicle

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MetLife Auto & Home vs. Foremost: Rates by Homeownership

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What is Metlife and Foremost Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Metlife and Foremost ranked among the industry ratings.

ComparisonMetlifeForemost
Year Founded18681952
A.M. Best RatingA+A
BBB RatingA+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
NAIC Complaint Index0.65
NAIC Complaint Ratio0.69
S&P RatingAA-A

Metlife or Foremost: Insurance Products Offered

What coverage is available through Metlife and Foremost? Both insurance companies offer Auto, Commercial, Home, Motorcycle, and RV insurance. Additional products from Metlife insurance also includes Health and Life insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit MetLife Auto & Home and Foremost Insurance page.

InsuranceMetlifeForemost
Auto Insurance
Commercial Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
RV Insurance

Metlife or Foremost: Ways To Save

Foremost offers a wide range of discounts to its policyholders, including Multi-policy, One Household, One Policy for All Vehicles, and Pay-in-Full discounts. In contrast, Metlife also offers a few discounts that Foremost doesn’t, including Safe Drivers, Restricted Mileage, and Passive Seat Belt and Air Bag discounts. Start taking advantage of discounts offered by insurance providers like Foremost and Metlife insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

MetlifeForemost
Anti-lock Brake DiscountsMature Driver Discount
Antitheft System DiscountMulti-policy Discount
Deductible Savings BenefitOne Household, One Policy for All Vehicles
Driver Training/Defensive Driving CoursesPay-in-Full Discount
Good-student Discount
Mature Driver Discount
Multi-car Discount
Multiple Policy Discount
Passive Seat Belt and Air Bag Discount
Restricted Mileage Discount
Safe Driver Discounts

Pros & Cons of Metlife & Foremost

Pros

Metlife
  • MetLife Auto & Home is a subsidiary of MetLife, the largest life insurance company in the country, which is financially stable.
  • 150 years of experience.
  • No deductible on glass repairs.
Foremost
  • For over 50 years, Foremost has been the top insurance company writing mobile home insurance.
  • Offers superior customer care and claims handling.

Cons

Metlife
  • MetLife does not offer accident forgiveness.
  • Mobile app issues.
  • Expensive policies.
Foremost
  • The mobile app confuses users because it’s really an app for internal employees of Foremost Insurance Group. Policyholders cannot obtain any insurance services through the app.
  • Homeowners insurance is not the best fit for standard homes which require more coverage.

Metlife or Foremost Mobile Apps Options

Metlife does not currently have a mobile app.

The Foremost Insurance Group mobile app, available for iOS and Android, is not intended for billing or insurance information. This is an app for Foremost Insurance Group corporate and agent events. It’s only for internal use by Foremost employees. For account information, you can use the Foremost website.

Metlife Mobile App
iOS     1.3197 user reviews
Android     1.91,904 user reviews
Foremost Mobile App
iOS     1.25 user reviews
Android     1.563 user reviews

Metlife & Foremost Contact Info

Metlife Contact Info
Address700 Quaker Lane, Warwick, RI 02818
Phone1-900-422-4272
Websitehttps://www.metlife.com/insurance/
Facebookhttps://www.facebook.com/metlife/
Twitterhttps://twitter.com/MetLife
Youtubehttps://www.youtube.com/user/Metlife
Linkedinhttps://www.linkedin.com/company/the-hanover-insurance-group/
Foremost Contact Info
Address5600 Beech Tree Lane, Caledonia, MI 49316
Phone1-800-532-4221
Websitehttps://www.foremost.com/about-foremost/
Facebookhttps://www.facebook.com/ForemostInsurance/
Twitterhttps://twitter.com/Foremost
Youtubehttps://www.youtube.com/user/foremostinsurance
Linkedinhttps://www.linkedin.com/company/foremost-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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