GEICO vs 21st Century Car Insurance

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

Picking a car insurance company can be complicated: companies' rates vary by driving history, location, and age, and every company provides a different set of discounts. GEICO and 21st Century are two of the US' top insurers, selling high-quality coverage in most American states.

To take the sting out of shopping for car insurance, we gathered average insurance premiums from 21st Century and GEICO. These rates cover an array of pricing components, chief among which are credit rating, driving history, and age. Compare rates and find the right policy for you.

Want to find out more? Check out our reviews of GEICO and 21st Century.


GEICO vs. 21st Century: insurance rate comparison


GEICO vs. 21st Century: rate comparison by credit level

If you have very poor credit, 21st Century could be preferable to GEICO. On average, 21st Century offers more affordable prices than GEICO for prospective clients with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should consider GEICO, which typically beats 21st Century by $299 per year. Check out typical insurance costs by credit tier for 21st Century and GEICO below.


CREDIT SCORE INSURANCE RATE COMPARISON: 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: rates after infractions

If you're saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI on your record, GEICO could be a better choice than 21st Century. Every car insurance company has different post-violation pricing structures, so don't hesitate to shop around to understand which insurance company suits you.


HIGH-RISK INSURANCE RATE COMPARISON: 21st Century VS. GEICO
ViolationGEICO 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 bracket

Auto insurance companies use a driver's age to estimate risk, assigning rates accordingly. An insurance policy is usually most expensive for beginning and young drivers — due to their increased odds of being involved in an accident — and most affordable for drivers aged 25 or older. Because every auto insurance company prices age brackets uniquely, it's worth doing some comparison shopping.

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


RATES BY AGE: 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 finances, GEICO and 21st Century come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, 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
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
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+

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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 QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
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GEICO vs 21st Century

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