21st Century vs Infinity: Which is Better for You?

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21st Century or Infinity: Which company is best for you?

Choosing a car insurer can be hard: rates may vary based on your location, age, and driving history, and companies offer an array of discounts. 21st Century and Infinity are among the US' most popular insurance companies, selling affordable policies in most regions.

In an effort to take the sting out of shopping for car insurance, we've gathered average insurance premiums from Infinity and 21st Century. These take into account myriad rating factors, including credit quality, driving history, and age. Examine these figures and find your next car insurance policy today.

Looking for in-depth analysis? Read full-length reviews of 21st Century and Infinity.


Compare 21st Century vs. Infinity auto insurance rates


21st Century vs. Infinity: pricing by credit score

If you have very poor credit, 21st Century could be preferable to 21st Century. Typically, 21st Century offers lower prices than Infinity for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward 21st Century, which typically beats Infinity by $2,518 per year. Check out common insurance rates by credit score for Infinity and 21st Century below.

Credit level 21st Century avg. annual premium Infinity avg. annual premium
Very Poor (300-579) $1,363 $7,847
Fair (580-669) $1,363 $4,862
Good (670-739) $1,657 $3,955
Very Good (740-799) $1,363 $4,045
Exceptional (800-850) $1,363 $3,881

21st Century vs. Infinity: rates for high-risk drivers

If you have an at-fault accident, speeding ticket, reckless driving citation, or DWI on your driving résumé, 21st Century could be a better choice than Infinity. Every insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to figure out which insurance company suits you.

Infraction 21st Century avg. annual premium Infinity avg. annual premium
At-fault accident (damage < $1,000) $2,440 $5,774
At-fault accident (damage > $1,000) $1,273 $4,487
DUI/DWI $3,949 $6,124
Reckless driving $3,949 $6,124
Speeding ticket $1,781 $4,174

21st Century vs. Infinity: rates by age

Insurers rely on a driver's age to indicate risk, pricing policies accordingly. Auto insurance is usually expensive for teen drivers — due to their inexperience — and relatively affordable for middle-aged drivers. Because every insurance company evaluates age tiers uniquely, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose 21st Century over Infinity: 21st Century offers average yearly savings of $11,058, compared to Infinity.

Age bracket 21st Century avg. annual premium Infinity avg. annual premium
Teens $5,233 $16,291
20s $1,795 $5,588
30s $1,342 $5,588
40s $1,313 $4,077
50s $1,244 $3,716
60s $1,117 $3,365

Finances aside, there are myriad pros and cons of both 21st Century and Infinity, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount Comparison 21st Century Infinity
Good Student supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported supported
Student Away at School supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum supported supported
Advanced Purchase supported supported
Pay in Full supported supported
Home Owner supported supported
eSign or ePay
New Vehicle supported
Annual Mileage
Ratings Comparison 21st Century Infinity
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon
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
Not Rated
User Satisfaction Question mark icon



Other Products 21st Century Infinity
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features 21st Century Infinity
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. Infinity provides non-standard car insurance to drivers who represent higher than normal risks and would otherwise pay higher rates for comparable coverage.
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. Infinity's 24 hour roadside assistance is available for towing to the nearest repair facility and labor cost at the site of your disablement. Infinity covers up to 5 disablements within a 12 month period.
Additional Discounts 21st Century offers an additional discount for seniors in select states. Infinity offers an additional discount in most states for registering your policy account profile online.
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