21st Century vs Allied

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

Picking a car insurer is difficult: rates vary based on your driving history, age, and location, and companies offer an array of perks. 21st Century and Allied are two of the most popular insurance companies, offering high-quality policies across large swaths of the US.

To help make shopping for car insurance easier, we gathered average prices from Allied and 21st Century. These rates cover myriad pricing components, including credit score, driving behavior, and age. Examine these figures and find the perfect policy for you.

Looking for more information? Check out our reviews of 21st Century and Allied.


21st Century vs. Allied: premium comparison


21st Century vs. Allied: prices by credit level

If you have very poor credit, 21st Century could be the best option for you. On average, 21st Century offers better premiums than Allied for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800 or higher — should favor View common insurance costs by credit level for Allied and 21st Century below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allied VS. 21st Century
Credit score21st Century avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$1,363$1,483
Fair (580-669)$1,363$1,097
Good (670-739)$1,657$1,104
Very Good (740-799)$1,363$920
Exceptional (800-850)$1,363$857

21st Century vs. Allied: costs for high-risk drivers

If you are carrying an at-fault crash, speeding ticket, reckless driving violation, or DUI offense on your record, Allied could be a better choice than 21st Century. Every car insurance company prices policies differently after a violation, so always do your due diligence and compare quotes to figure out which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Allied VS. 21st Century
Citation21st Century avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$2,440$1,662
At-fault accident (damage > $1,000)$1,273$1,221
DUI/DWI$3,949$2,708
Reckless driving$3,949$2,708
Speeding ticket$1,781$1,232

21st Century vs. Allied: rates by age

Auto insurance companies use age to indicate risk, assigning rates accordingly. A car insurance policy is commonly more expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for older drivers. Because every insurance company prices age brackets in a different way, it's a smart move to shop around.

As a general rule, teen drivers should choose Allied over 21st Century: the former's average annual rates are $1,707 less than the latter's..


RATES BY AGE BRACKET: Allied VS. 21st Century
Age bracket21st Century avg. annual premiumAllied avg. annual premium
Teens$5,233$3,526
20s$1,795$1,392
30s$1,342$1,392
40s$1,313$959
50s$1,244$915
60s$1,117$832

Affordability aside, 21st Century and Allied each have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount Comparison21st CenturyAllied
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 Comparison21st CenturyAllied
Financial Strength ExcellentSuperior
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

A+

A+

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Other Features21st CenturyAllied
About21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service.Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
Roadside Assistance21st 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.Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
Additional Discounts21st Century offers an additional discount for seniors in select states.Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent QuestionsWill my insurance company cover my vehicle if my cousin was driving my car?
Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
If I claim my injuries after an accident, will that make my rates higher?
Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.
How much do car insurance rates go up after a DUI?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
See More Questions
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