Deciding on an auto insurance company can be tricky: companies' rates differ by driving history, age, and location, and insurers offer a variety of perks. MetLife and 21st Century are two of the nation's most popular insurance companies, providing high-quality coverage in most American states.
To help simplify the insurance-shopping process, we have collected average insurance rates from 21st Century and MetLife. These rates cover a variety of rating factors, including credit quality, driving infractions, and age. Take a look at these rates and find an affordable policy today.
If you have very poor credit, 21st Century could be a better option for you. Typically, 21st Century offers cheaper prices than MetLife for prospective clients with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or better — should lean toward MetLife, which typically beats 21st Century by $70 annually. Check out typical insurance rates by credit score for 21st Century and MetLife below.
|Credit level||MetLife avg. annual premium||21st Century avg. annual premium|
|Very Poor (300-579)||$3,495||$1,363|
|Very Good (740-799)||$1,517||$1,363|
If you have an at-fault crash, speeding violation, reckless driving citation, or DUI on your résumé, 21st Century could be a better choice than MetLife. Every car insurance company has different post-violation pricing structures, so don't be afraid to shop around to understand which insurer is best for you.
|Citation||MetLife avg. annual premium||21st Century avg. annual premium|
|At-fault accident (damage < $1,000)||$2,598||$2,440|
|At-fault accident (damage > $1,000)||$1,679||$1,273|
Auto insurance companies rely on a driver's age to estimate risk, assigning rates accordingly. An insurance policy is commonly priciest for young drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Since every insurance company rates age tiers uniquely, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose 21st Century over MetLife: the former's average annual rates are $1,201 less than the latter's..
|Age tier||MetLife avg. annual premium||21st Century avg. annual premium|
Aside from affordability, MetLife and 21st Century both have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||MetLife||21st Century|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||MetLife||21st Century|
|JD Power Rankings|
|Other Products||MetLife||21st Century|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||MetLife||21st Century|
|About||Protect yourself and your family with custom-fit car insurance from MetLife Auto & Home®. Be covered in case of an accident or theft and save big by combining auto and home insurance. Get a quote.||21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service.|
|Roadside Assistance||MetLife offers optional Towing & Labor Coverage to reimburse drivers for towing and other roadside-assistance expenses.||21st Century customers are automatically enrolled in the 21st Roadside Assistance program at no additional cost. 21st Roadside Assistance provides 24/7 towing, lock-out service and other emergency services, limited to five service calls per vehicle per calendar year. 21st Roadside Assistance coverage is provided for up to $75 ($80 in TX, $100 in NC) in roadside services. Service applies to labor only. Parts (tires, batteries, belts, etc.) and gasoline are not included.|
|Additional Discounts||MetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year in which a driver doesn't make a claim, up to a maximum of $250 that can be put toward the deductible in the event of a covered loss.||21st Century offers an additional discount for seniors in select states.|
|Recent Questions||If I'm involved in an accident driving my grandmother's car, will the damage be covered?|
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At Fault accident.See More Questions
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|Top States||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||California|