Auto Club (AAA) vs 21st Century Car Insurance

Compare rates from the top car insurance companies in your area.

or
Location pin icon
Your information is secure.

Auto Club (AAA) or 21st Century:
Which Company is Best for You?

Picking an auto insurance company is difficult: rates may vary by driving history, location, and age, and insurers offer a variety of perks. Auto Club (AAA) and 21st Century are two of the most popular car insurance companies, offering competitively priced policies across large portions of the US.

In an effort to make insurance shopping seamless, we gathered average premiums from 21st Century and Auto Club (AAA). These take into consideration a variety of rating factors, including credit rating, driving history, and demographics. Examine these rates and find an affordable policy today.

Seeking more info? Check out our reviews of AAA and 21st Century.


Compare Auto Club (AAA) vs. 21st Century auto insurance rates


Auto Club (AAA) vs. 21st Century: rates by credit level

If you have very bad credit, 21st Century could be a better option for you. On average, 21st Century offers lower rates than Auto Club (AAA) for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should consider Check out average insurance rates by credit tier for 21st Century and Auto Club (AAA):


RATES BY CREDIT SCORE: 21st Century VS. Auto Club (AAA)
Credit levelAuto Club (AAA) avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$6,569$1,363
Fair (580-669)$4,023$1,363
Good (670-739)$3,723$1,657
Very Good (740-799)$3,004$1,363
Exceptional (800-850)$2,814$1,363

Auto Club (AAA) vs. 21st Century: costs for high-risk drivers

If you've got an at-fault accident, speeding ticket, reckless driving citation, or DUI on your record, 21st Century could be a better choice than Auto Club (AAA). Every insurance company prices policies differently after a violation, so don't hesitate to shop around to figure out which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 21st Century VS. Auto Club (AAA)
InfractionAuto Club (AAA) avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$4,078$2,440
At-fault accident (damage > $1,000)$4,002$1,273
DUI/DWI$5,530$3,949
Reckless driving$5,530$3,949
Speeding ticket$4,078$1,781

Auto Club (AAA) vs. 21st Century: rates by age

Insurance companies use a driver's age to outline risk potential, assigning rates accordingly. Car insurance is commonly most expensive for beginning and young drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every auto insurance company prices ages differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose 21st Century over Auto Club (AAA): the former's average annual rates are $5,023 less than the latter's..


COMPARING AUTO INSURANCE RATES BY AGE: 21st Century VS. Auto Club (AAA)
AgeAuto Club (AAA) avg. annual premium21st Century avg. annual premium
Teens$10,256$5,233
20s$4,644$1,795
30s$3,248$1,795
40s$3,195$1,313
50s$3,083$1,244
60s$2,887$1,117

Aside from finances, there are myriad pros and cons of both Auto Club (AAA) 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 ComparisonAuto Club (AAA)21st 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 ComparisonAuto Club (AAA)21st Century
Financial Strength GoodExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon 0% filled Star icon
2 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

N/A

A+

Other ProductsAuto Club (AAA)21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAuto Club (AAA)21st Century
AboutAuto Club provides its customers with customizable payment options, competitive rates and excellent features.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 AssistanceAAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.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 DiscountsAAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.21st Century offers an additional discount for seniors in select states.
Recent QuestionsCan I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Does roadside assistance cover people not on your policy
I haven't heard of a roadside assistance program that doesn't extend to anyone using the vehicle that has been given permission to do so. While most companies prefer any driver using the vehicle to be listed on the policy, they do have previsions in the policy that extend to infrequent users.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
What do I do if my vehicle was totaled while parked?
I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest.
See More Questions
Compare MoreAuto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farm Bureau Mutual Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. North Star Mutual Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. Safeco Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers Auto Club (AAA) vs. USAA21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 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. 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
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasCalifornia
Additional Resources:

Auto Club (AAA) vs 21st Century

Chevron left icon
Chevron right icon