21st Century vs. Erie

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

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.


21st Century vs. Erie: premium comparison


21st Century vs. Erie: pricing by credit score

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.

RATES BY CREDIT SCORE: Erie VS. 21st Century
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

21st Century vs. Erie: high-risk driver rates

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

21st Century vs. Erie: rates by age

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
New Vehicle
Annual Mileage
Ratings Comparison 21st Century Erie
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon N/A Excellent
User Satisfaction Question mark icon N/A N/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.
See More Questions
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