MetLife vs 21st Century

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MetLife or 21st Century:
Which Company is Best for You?

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.

Seeking more information? Read our reviews of MetLife and 21st Century.


Compare MetLife vs. 21st Century auto insurance rates


MetLife vs. 21st Century: pricing by credit score

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.


RATES BY CREDIT LEVEL: 21st Century VS. MetLife
Credit levelMetLife avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$3,495$1,363
Fair (580-669)$2,131$1,363
Good (670-739)$1,778$1,657
Very Good (740-799)$1,517$1,363
Exceptional (800-850)$1,293$1,363

MetLife vs. 21st Century: high-risk insurance rates

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.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 21st Century VS. MetLife
CitationMetLife avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$2,598$2,440
At-fault accident (damage > $1,000)$1,679$1,273
DUI/DWI$3,219$3,949
Reckless driving$3,219$3,949
Speeding ticket$2,085$1,781

MetLife vs. 21st Century: rates by age

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..


RATES BY AGE BRACKET: 21st Century VS. MetLife
Age tierMetLife avg. annual premium21st Century avg. annual premium
Teens$6,434$5,233
20s$2,457$1,795
30s$1,598$1,795
40s$1,590$1,313
50s$1,520$1,244
60s$1,414$1,117

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 ComparisonMetLife21st Century
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonMetLife21st Century
Financial Strength ExcellentExcellent
JD Power Rankings Below averageN/A
User Satisfaction N/AN/A
Other ProductsMetLife21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLife21st Century
AboutProtect 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 AssistanceMetLife 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 DiscountsMetLife 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
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