Choosing an auto insurance company can be tough: the rates each insurer offers can vary widely based on your driving history, age, and location, and every company's discounts differ. American Family and 21st Century are among the US' most popular insurers, providing competitively priced insurance policies in most states across the US.
To help simplify the insurance-shopping process, we gathered average policy rates from 21st Century and American Family. These cover an array of rating factors, including credit, driving record, and age. Compare rates and find an affordable policy today.
If you have very poor credit, 21st Century could be a better option for you. On average, 21st Century offers cheaper rates than American Family for prospective clients with credit scores of less than 580. Insurance shoppers with excellent credit — a score of 800 or higher — should consider American Family, which typically beats 21st Century by $422 annually. Check out typical insurance rates by credit level for 21st Century and American Family below.
|Credit score||American Family avg. annual premium||21st Century avg. annual premium|
|Very Poor (300-579)||$1,931||$1,363|
|Very Good (740-799)||$1,009||$1,363|
If you have an at-fault accident, speeding ticket, reckless driving citation, or DUI on your driving record, American Family could be a better choice than 21st Century. Every car insurance company enacts rate penalties differently, so don't hesitate to shop around to find out which insurer suits you.
|Violation||American Family avg. annual premium||21st Century avg. annual premium|
|At-fault accident (damage < $1,000)||$1,763||$2,440|
|At-fault accident (damage > $1,000)||$990||$1,273|
Car insurance companies use a driver's age to outline potential risk, pricing premiums accordingly. Insurance is usually more expensive for teens — thanks to their inexperience — and more affordable for middle-aged drivers. Because every insurance company rates age brackets in a different way, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose American Family instead of 21st Century: American Family offers average yearly savings of $1,423, compared to 21st Century.
|Age||American Family avg. annual premium||21st Century avg. annual premium|
Costs aside, American Family and 21st Century each come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||American Family||21st Century|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||American Family||21st Century|
|JD Power Rankings||4 out of 5||3 out of 5|
|Other Products||American Family||21st Century|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||American Family||21st Century|
|About||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.||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 Assistance||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).||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 Discounts||None Available||21st Century offers an additional discount for seniors in select states.|
|Recent Questions||Are some insurance providers better suited to my needs than others to get the best rate?|
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|Compare More||American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. SAFECO American Family vs. Safe Auto American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA||21st Century vs. Allied 21st Century vs. Allstate 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. MetLife 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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