Auto Club (AAA) vs 21st Century Car Insurance

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

Choosing a car insurance company is complex: the rates each insurer offers can vary widely based on your driving record, location, and age, and companies offer an array of perks. Auto Club (AAA) and 21st Century are two of the US' most popular car insurance companies, providing competitively priced policies in most American states.

To help simplify the insurance-shopping process, we pulled typical premiums from 21st Century and Auto Club (AAA). These cover a variety of pricing components, including credit score, driving history, and age. Compare rates and find an affordable policy today.


Auto Club (AAA) vs. 21st Century: premium comparison


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

If you have very poor credit, 21st Century could be a better option for you. On average, 21st Century offers more affordable rates than Auto Club (AAA) for drivers with credit scores of less than 580. Insurance shoppers with extraordinary credit — a score of 800-plus — should favor Check out typical insurance rates by credit tier for 21st Century and Auto Club (AAA) below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: 21st Century VS. Auto Club (AAA)
Credit scoreAuto 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: high-risk insurance rates

If you have an at-fault accident, speeding violation, reckless driving citation, or DWI on your driving record, 21st Century could be a better choice than Auto Club (AAA). Each car insurance company will handle driving offenses differently, so don't be afraid to shop around to understand which insurer suits you.


RATES BY VIOLATION: 21st Century VS. Auto Club (AAA)
ViolationAuto 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

Insurers use a driver's age as an estimator of risk, assigning rates accordingly. Car insurance is commonly most expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Since each insurance company evaluates age tiers in a different way, it's worth doing some comparison shopping.

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)
Age tierAuto 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

Finances aside, Auto Club (AAA) and 21st Century each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

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
2 out of 5
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.
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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. 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. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto 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. 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. 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 TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Auto Club (AAA) vs 21st Century

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