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||MetLife Auto & Home MyDirect’s 100% digital experience lets you easily buy and manage your policy all online – without ever speaking to an agent over the phone. It’s the first of its kind and backed by the experience of MetLife Auto & Home.||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 help reimburse you 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 you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss.||21st Century offers an additional discount for seniors in select states.|
|Recent Questions||Whose insurance pays for an accident after running a stop sign?|
Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers.Who is at fault if I opened my car door and it was hit by another driver?
In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.Will a paraphernalia charge impact my auto insurance rate?
Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.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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|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||California|