Farmers vs 21st Century Car Insurance

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Farmers or 21st Century:
Which Company is Best for You?

Choosing an auto insurance company is sometimes difficult: the rates each insurer offers can vary widely based on your location, vehicle, and driving record, and insurers offer a variety of perks. Farmers and 21st Century are counted among the US' most popular insurance companies, selling affordable insurance policies in most US states.

In an effort to make shopping for car insurance easier, we've gathered average insurance rates from 21st Century and Farmers. These cover a variety of pricing factors, including credit, driving behavior, and demographics. Examine these figures and find the perfect policy for you.

 

Farmers vs. 21st Century: insurance rate comparison

 

Farmers vs. 21st Century: prices by credit level

If you have extremely bad credit, 21st Century could be the way to go. On average, 21st Century offers more affordable rates than Farmers for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800-plus — should opt for Farmers, which typically beats 21st Century by $9 annually. View common insurance costs by credit tier for 21st Century and Farmers below.

 

RATES BY CREDIT SCORE: 21st Century VS. Farmers
Credit scoreFarmers avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$2,633$1,363
Fair (580-669)$1,736$1,363
Good (670-739)$1,882$1,657
Very Good (740-799)$1,459$1,363
Exceptional (800-850)$1,354$1,363

 

Farmers vs. 21st Century: high-risk driver rates

If you have an at-fault accident, speeding ticket, reckless driving violation, or DUI on your résumé, Farmers could be a better choice than 21st Century. Every insurer will handle driving offenses differently, so don't be afraid to shop around to figure out which insurer suits you.

 

RATES BY CITATION: 21st Century VS. Farmers
CitationFarmers avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$2,334$2,440
At-fault accident (damage > $1,000)$1,699$1,273
DUI/DWI$3,239$3,949
Reckless driving$4,636$3,949
Speeding ticket$2,045$1,781

 

Farmers vs. 21st Century: rates by age bracket

Insurance companies use a driver's age to estimate risk, pricing policies accordingly. Car insurance is commonly priciest for teen drivers — thanks to their inexperience — and most affordable for middle-aged drivers. Because every insurance company evaluates age brackets differently, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose 21st Century before Farmers: the former's average annual rates are $1,285 less than the latter's..

 

AGE BRACKET INSURANCE RATE COMPARISON: 21st Century VS. Farmers
Age bracketFarmers avg. annual premium21st Century avg. annual premium
Teens$6,518$5,233
20s$2,020$1,795
30s$1,543$1,795
40s$1,511$1,313
50s$1,507$1,244
60s$1,402$1,117

 

Finances aside, there are myriad pros and cons of both Farmers and 21st Century, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarmers21st 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 ComparisonFarmers21st Century
Financial Strength ExcellentExcellent
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsFarmers21st Century
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Other FeaturesFarmers21st Century
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.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 AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.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 DiscountsFarmers offers an additional discount for seniors.21st Century offers an additional discount for seniors in select states.
Recent QuestionsAre some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

Does Farmers allow exclusions?

Can I exclude my boyfriend on my Farmer’s car insurance policy?...

Will my farmers insurance cover my towing off the the NJ turnpike

Car was towed to the nearest exit off of the turnpike...

Will insurance cover someone other than the insured?

My dad and I live separately. But if I were to borrow this vehicle and get into an accident, would ...

See More Questions
Can I group multiple accidents into one claim?

I backed into a poll and damaged my rear panel and bumper last night. I also have minor scratches and ...

If my car was damaged at a gas station due to bad weather, who pays for the repair?

I was getting gas when it started to rain, and the wind was blowing really hard. A piece of metal ...

What should I do if I damaged an old car and don’t want the insurance company to total the vehicle?

My son’s friend left his vehicle parked at my house while he was on vacation. I drove it to the ...

What should I do after a minor accident?

While driving down a dark street last night I was involved in an accident where I hit someone’s car door ...

See More Questions
Compare MoreFarmers vs. Allied Farmers vs. Allstate Farmers vs. American Family Farmers vs. Amica Mutual Insurance Farmers vs. Auto Club (AAA) Farmers vs. Erie Farmers vs. Esurance Farmers vs. Farm Bureau Mutual Farmers vs. GEICO Farmers vs. Infinity Farmers vs. Liberty Mutual Farmers vs. Mercury Farmers vs. MetLife Farmers vs. Nationwide Farmers vs. North Star Mutual Farmers vs. Progressive Farmers vs. SAFECO Farmers vs. SafeAuto Farmers vs. State Farm Farmers vs. The General Farmers vs. The Hartford Farmers vs. Titan Farmers vs. Travelers Farmers vs. USAA21st 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. 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. SafeAuto 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:

Farmers vs 21st Century

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