Selecting a car insurance company is complex: the rates each insurer offers can vary widely based on your driving history, location, and age, and insurers offer a variety of perks. 21st Century and Erie are among the nation's most popular insurance companies, providing affordable coverage across most of America.
To simplify the insurance-shopping process, we've gathered average policy prices from Erie and 21st Century. These take into account an array of rating factors, including credit quality, driving infractions, and age. Compare rates and find your next car insurance policy today.
Looking for additional insights? Read our reviews of 21st Century and Erie.
If you have very bad credit, 21st Century could be a better option for you. Typically, 21st Century offers lower prices than Erie for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or higher — should lean toward Check out common insurance rates by credit score for Erie and 21st Century below.
| Credit level | 21st Century avg. annual premium | Erie avg. annual premium |
| Very Poor (300-579) | $1,363 | $2,402 |
| Fair (580-669) | $1,363 | $1,040 |
| Good (670-739) | $1,657 | $894 |
| Very Good (740-799) | $1,363 | $743 |
| Exceptional (800-850) | $1,363 | $726 |
If you have an at-fault accident, speeding violation, reckless driving violation, or DUI in your recent history, Erie could be a better choice than 21st Century. Every insurance company has different post-violation pricing structures, so don't hesitate to shop around to understand which insurer is best for you.
| Violation | 21st Century avg. annual premium | Erie avg. annual premium |
| At-fault accident (damage < $1,000) | $2,440 | $893 |
| At-fault accident (damage > $1,000) | $1,273 | $772 |
| DUI/DWI | $3,949 | $1,163 |
| Reckless driving | $3,949 | $760 |
| Speeding ticket | $1,781 | $747 |
Insurers use a driver's age as an estimator of risk, assigning rates accordingly. An insurance policy is typically more expensive for young drivers — due to their inexperience — and most affordable for middle-aged drivers. Since every insurance company rates age tiers uniquely, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose Erie over 21st Century: the former's average annual rates are $2,995 less than the latter's..
| Age tier | 21st Century avg. annual premium | Erie avg. annual premium |
| Teens | $5,233 | $2,238 |
| 20s | $1,795 | $1,108 |
| 30s | $1,342 | $1,108 |
| 40s | $1,313 | $755 |
| 50s | $1,244 | $692 |
| 60s | $1,117 | $676 |
Cost aside, 21st Century and Erie come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | 21st Century | Erie |
|---|---|---|
| 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 Comparison | 21st Century | Erie |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | 21st Century | Erie |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | 21st Century | Erie |
|---|---|---|
| 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. | Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service. |
| 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. | Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown. |
| Additional Discounts | 21st Century offers an additional discount for seniors in select states. | Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period. |
| Recent Questions | Will Erie reinstate my policy after non-payment? It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again. I was injured in a car accident two months ago, can I still file a claim?The statute of limitations for filing a bodily injury claim in North Carolina is 3 years. So you are still within your legal time frame to file a claim even though your car's claim was completed. How long can an insurance company wait to pay out your claim?Virginia law does not specify an actual time frame for a claim payout but simply requires that insurance companies pay claims in a reasonable time. Most insurance companies want to close claims as quickly as possible, however, so you may want to contact that company directly to ask if they have an estimated date of the payout. If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report. See More Questions | |
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| States Offered | California | Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia |