GEICO vs 21st Century Car Insurance

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

Choosing an auto insurer can be complicated: rates may vary by driving record, age, and location, and every company provides a different set of discounts. GEICO and 21st Century are two of the nation's most popular insurance companies, providing competitively priced policies in most regions.

In an effort to simplify the process of comparing insurance companies, we gathered typical insurance premiums from 21st Century and GEICO. The below rates cover a variety of rating factors, including credit quality, driving history, and age. Compare rates and find your next car insurance policy today.

 

GEICO vs. 21st Century: rate comparison

 

GEICO vs. 21st Century: pricing by credit score

If you have very poor credit, 21st Century could be preferable to GEICO. Typically, 21st Century offers better prices than GEICO for drivers with credit scores of 579 or less. Drivers with excellent credit — a score of 800-plus — should lean toward GEICO, which typically beats 21st Century by $299 annually. View common insurance costs by credit tier for 21st Century and GEICO:

 

RATES BY CREDIT LEVEL: 21st Century VS. GEICO
Credit levelGEICO avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$2,051$1,363
Fair (580-669)$1,358$1,363
Good (670-739)$1,485$1,657
Very Good (740-799)$1,120$1,363
Exceptional (800-850)$1,064$1,363

 

GEICO vs. 21st Century: high-risk insurance rates

If you've got an at-fault accident, speeding violation, reckless driving violation, or DUI in your rear view mirror, GEICO could be a better choice than 21st Century. Every auto insurance company will handle driving offenses differently, so it's worth comparing quotes to find out which insurer suits you.

 

HIGH-RISK INSURANCE RATE COMPARISON: 21st Century VS. GEICO
InfractionGEICO avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$1,857$2,440
At-fault accident (damage > $1,000)$1,580$1,273
DUI/DWI$2,550$3,949
Reckless driving$2,238$3,949
Speeding ticket$1,395$1,781

 

GEICO vs. 21st Century: rates by age

Car insurance companies rely on a driver's age as an indicator of potential risk, assigning rates accordingly. A car insurance policy is usually more expensive for teens — because of their inexperience — and relatively affordable for older drivers. Because every auto insurance company prices age brackets uniquely, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose GEICO before 21st Century: GEICO offers average yearly savings of $1,725 versus21st Century.

 

AGE BRACKET INSURANCE RATE COMPARISON: 21st Century VS. GEICO
AgeGEICO avg. annual premium21st Century avg. annual premium
Teens$3,508$5,233
20s$1,438$1,795
30s$1,218$1,795
40s$1,189$1,313
50s$1,160$1,244
60s$1,065$1,117

 

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

Discount ComparisonGEICO21st 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 ComparisonGEICO21st Century
Financial Strength SuperiorExcellent
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICO21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICO21st Century
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.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 AssistanceYou can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.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 DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.21st Century offers an additional discount for seniors in select states.
Recent QuestionsDoes State Farm match auto insurance quotes with other companies?

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Compare MoreGEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. SafeAuto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO 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. Farmers 21st Century vs. Foremost 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:

GEICO vs 21st Century

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