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.
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.
|Credit score||21st Century avg. annual premium||Allied avg. annual premium|
|Very Poor (300-579)||$1,363||$1,483|
|Very Good (740-799)||$1,363||$920|
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.
|Citation||21st Century avg. annual premium||Allied avg. annual premium|
|At-fault accident (damage < $1,000)||$2,440||$1,662|
|At-fault accident (damage > $1,000)||$1,273||$1,221|
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..
|Age bracket||21st Century avg. annual premium||Allied avg. annual premium|
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 Comparison||21st Century||Allied|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||21st Century||Allied|
|JD Power Rankings||N/A||N/A|
|Other Products||21st Century||Allied|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||21st Century||Allied|
|About||21st 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 Assistance||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.||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 Discounts||21st 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.|
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