21st Century vs. MetLife Car Insurance [2021]

Compare 21st Century vs. MetLife car insurance rates, policy features, and discounts. MetLife provides more affordable average rates for drivers with DUI and reckless driving violations, while 21st Century offers automatic 24/7 Roadside assistance. Rates for drivers with poor credit are substantially more affordable through 21 Century.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 16, 2021

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Here's what you need to know...

  • MetLife provides more affordable average rates for drivers with DUI and reckless driving violations
  • 21st Century provides car insurance coverage only, while MetLife offers additional insurance services
  • 21st Century customers are automatically enrolled in a 24/7 Roadside Assistance program

Comparing MetLife vs. 21st Century car insurance is essential, as both companies are reputable national providers.

Car insurance comparison charts are important tools for those looking for the most affordable car insurance quotes, as many factors — including your credit score, driver history, and additional insurance needs — may affect your decision-making process.

Each driver is different, and every potential policyholder has different insurance needs. Insurance companies often focus on discounts, services, and rate adjustments that provide specific benefits to different types of drivers.

For information regarding car insurance quotes in your location, enter your ZIP code and find out more about rates in your area. Always do your research before you buy car insurance.

Rates Comparison: MetLife vs. 21st Century Car Insurance

Take a look at the table above and review how several high-risk considerations affect insurance rates for both companies:

Berkeley, CA Car Insurance Rates for a DUI
Insurance CompanyRates With a DUI
Allstate$7,434.17
Farmers$7,198.46
GEICO$3,693.12
Liberty Mutual$3,512.95
Nationwide$7,056.48
Progressive$3,682.55
State Farm$7,276.39
Travelers$4,521.00
USAA$4,254.80
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Driver history is very important to insurance companies, and this is an area that often separates coverage plans when comparing different services.

Some states have individual point systems for moving violations, and insurance providers view different types of driving incidents as separate financial risks.

An offense that may be a major red flag for MetLife, might be viewed as a less risky issue for 21st Century Insurance.

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MetLife vs. 21st Century: How do car insurance rates compare by credit?

Drivers with poor credit history (a score of 580 or lower) may prefer 21st Century as its yearly rates average a little less than $1,400. MetLife premiums run about $3,500 for the same credit range.

What is a good credit discount? If you have but a few blemishes on your driving record, it’s worth taking the time to review each company’s specific rates, as you may end up paying a higher premium than necessary if you’ve only factored in your credit score.

21st Century vs. MetLife: What discounts and features are offered?

The biggest difference between these two companies is what types of insurance they offer. 21st Century covers strictly car insurance, whereas MetLife auto coverage is only one type of insurance provided by the company.

MetLife also provides dental, vision, and life insurance among other services. If you’re looking to bundle services, or just need a more comprehensive provider, MetLife may be the safer option.

Each company offers special discounts and features. 21st Century focuses on car-related benefits, providing 24/7 Roadside Assistance automatically to each policyholder. MetLife also offers optional towing coverage in the form of reimbursement.

MetLife provides discounts for the following areas in addition to standard car insurance:

  • Homeowners insurance
  • Life insurance
  • Renter’s insurance

MetLife also offers additional vehicle insurance for cars, boats, RVs, motorcycles.

MetLife vs. 21st Century: How do their car insurance mobile apps compare?

MetLife and 21st Century both provide mobile apps, which make accessing policy information and claim details easy and accessible.

The key difference between app services relates to the overall differences between each car insurance company. 21st Century insurance covers car insurance only, while MetLife provides other coverages.

When using the app, your MetLife login provides access to several different areas of insurance coverage. If you have home insurance, you can view coverage details directly through the app.

If you’re looking for MetLife dental policy information, the app provides dentists in your area and allows for policy changes directly from the app.

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How can I find the best insurance rates in my location?

Now that you know more about 21st Century vs. MetLife car insurance, you are ready to buy car insurance. Finding the best rates in your area is simple. Enter your ZIP code now, find quotes in your area, and start car insurance rates today.

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