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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.
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 |
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 |
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 | ||
| 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 | Infinity |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Not Rated | |
| User Satisfaction | A+ | A+ |
| Other Products | 21st Century | Infinity |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| 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. |
| Recent Questions | Is it worth filing a claim for a scratch on my car that happened when it was parked? If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair. When filling out quotes, do I have to disclose an accident that my friend had while driving my car?The questions pertains to you as a driver. The same would go for tickets. If I file a claim for denting my car door on a beam, will my insurance rate increase?Filing a claim where you were the cause of damage will most likely result in an increase in your rate. In Texas, the average increase in premium for an at-fault accident is $817 per year, based on our State of Insurance report. See More Questions | |
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| States Offered | California | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |