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Choosing a car insurance company is difficult: the rates each insurer offers may vary based on your driving history, age, and location, and insurers offer a variety of perks. 21st Century and Infinity are two of America's most popular car insurance companies, offering competitively priced coverage in most regions.
In an effort to make shopping for car insurance easier, we have gathered average rates from Infinity and 21st Century. The below cover a variety of rating factors, including credit rating, driving infractions, and age. Examine these figures and find an affordable policy today.
If you have very poor credit, 21st Century could be the way to go. On average, 21st Century offers more affordable prices than Infinity for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should opt for 21st Century, which typically beats Infinity by $2,420 per year. Check out average insurance costs by credit tier for Infinity and 21st Century:
As 21st Century primarily sells auto insurance policies in California, the company's rates don't vary much on the basis of credit score. California is one of the several states that does not allow insurance companies to rely on credit as a rating factor.
|Credit score||21st Century avg. annual premium||Infinity avg. annual premium|
|Very Poor (300-579)||$1,461||$7,847|
|Very Good (740-799)||$1,461||$4,045|
If you have an at-fault accident, ticket, reckless driving violation, or DUI offense on your résumé, 21st Century could be a better choice than Infinity. Each insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurance company suits you.
|Violation||21st Century avg. annual premium||Infinity avg. annual premium|
|At-fault accident (damage < $1,000)||$2,440||$5,774|
|At-fault accident (damage > $1,000)||$1,273||$4,487|
Insurance companies rely on age as an indicator of potential risk, pricing premiums accordingly. Car insurance is usually priciest for beginning and young drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because each insurance company prices age tiers differently, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose 21st Century before Infinity: 21st Century offers average yearly savings of $11,058, compared to Infinity.
|Age tier||21st Century avg. annual premium||Infinity avg. annual premium|
Setting aside cost, 21st Century and Infinity each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to weigh these elements before deciding.
|Discount Comparison||21st Century||Infinity|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||21st Century||Infinity|
|JD Power Rankings||Not Rated|
|Other Products||21st Century||Infinity|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||21st Century||Infinity|
|About||21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service.||Infinity provides non-standard car insurance to drivers who represent higher than normal risks and would otherwise pay higher rates for comparable coverage.|
|Roadside Assistance||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.||Infinity's 24 hour roadside assistance is available for towing to the nearest repair facility and labor cost at the site of your disablement. Infinity covers up to 5 disablements within a 12 month period.|
|Additional Discounts||21st Century offers an additional discount for seniors in select states.||Infinity offers an additional discount in most states for registering your policy account profile online.|
|Recent Questions||Is it worth filing a claim for a scratch on my car that happened when it was parked?|
If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair.When filling out quotes, do I have to disclose an accident that my friend had while driving my car?
The questions pertains to you as a driver. The same would go for tickets.If I file a claim for denting my car door on a beam, will my insurance rate increase?
Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report.See More Questions
|Compare More||21st 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. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. Safe Auto 21st Century vs. Safeco 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||Infinity vs. Allied Infinity vs. Allstate Infinity vs. American Family Infinity vs. Amica Mutual Insurance Infinity vs. Auto Club (AAA) Infinity vs. Erie Infinity vs. Esurance Infinity vs. Farm Bureau Mutual Infinity vs. Farmers Infinity vs. Foremost Infinity vs. GEICO Infinity vs. Liberty Mutual Infinity vs. Mercury Infinity vs. MetLife Infinity vs. Nationwide Infinity vs. North Star Mutual Infinity vs. Progressive Infinity vs. Safe Auto Infinity vs. Safeco Infinity vs. State Farm Infinity vs. The General Infinity vs. The Hartford Infinity vs. Titan Infinity vs. Travelers Infinity vs. USAA|
|States Offered||California||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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