MetLife vs 21st Century Car Insurance

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

Selecting an auto insurance company is difficult: companies' rates vary by location, vehicle, and driving record, and companies offer an array of perks. MetLife and 21st Century are two of the most popular insurers, offering affordable insurance policies in most American states.

In an effort to simplify the insurance-shopping process, we gathered typical rates from 21st Century and MetLife. These cover a variety of rating factors, including credit quality, driving history, and age. Compare rates and find an affordable policy today.

 

MetLife vs. 21st Century: premium comparison

 

MetLife vs. 21st Century: pricing by credit score

If you have very poor credit, 21st Century could be preferable to MetLife. On average, 21st Century offers cheaper rates than MetLife for drivers with credit scores of 579 or less. Those with exceptional credit — a score of 800-plus — should favor MetLife, which typically beats 21st Century by $70 annually. View typical insurance rates by credit score for 21st Century and MetLife below.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: 21st Century VS. MetLife
Credit scoreMetLife 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: rates for bad drivers

If you've got an at-fault crash, speeding ticket, reckless driving violation, or DUI in your rear view mirror, 21st Century could be a better choice than MetLife. Every insurer prices policies differently after a violation, so it's worth comparing quotes to figure out 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 bracket

Insurance companies use a driver's age as an indicator of potential risk, assigning rates on a sliding scale. Insurance is commonly priciest for beginning and young drivers — due to their inexperience — and most affordable for older drivers. Because each insurance company evaluates age tiers uniquely, it's wise to compare rates and find a suitable policy.

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 BRACKET INSURANCE RATE COMPARISON: 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, there are myriad pros and cons of both MetLife and 21st Century, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

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 SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsMetLife21st Century
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
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Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMetLife21st Century
AboutMetLife 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 AssistanceMetLife 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 DiscountsMetLife 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 QuestionsWhose 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
Compare MoreMetLife vs. Allied MetLife vs. Allstate MetLife vs. American Family MetLife vs. Amica Mutual Insurance MetLife vs. Auto Club (AAA) MetLife vs. Erie MetLife vs. Esurance MetLife vs. Farm Bureau Mutual MetLife vs. Farmers MetLife vs. Foremost MetLife vs. GEICO MetLife vs. Infinity MetLife vs. Liberty Mutual MetLife vs. Mercury MetLife vs. Nationwide MetLife vs. North Star Mutual MetLife vs. Progressive MetLife vs. SAFECO MetLife vs. Safe Auto MetLife vs. State Farm MetLife vs. The General MetLife vs. The Hartford MetLife vs. Titan MetLife vs. Travelers MetLife vs. USAA21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farm Bureau Mutual 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. Mercury 21st Century vs. Nationwide 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. SAFECO 21st Century vs. Safe Auto 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasCalifornia
Additional Resources:

MetLife vs 21st Century

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