21st Century vs Safe Auto: Which is Better for You?
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21st Century or Safe Auto: Which Company is Best for You?
Selecting an auto insurance company is sometimes difficult: rates vary by driving history, location, and age, and every company's discounts vary. 21st Century and Safe Auto are two of the most popular insurance companies, selling high-quality insurance policies in most American states.
In an effort to simplify the process of comparing insurance companies, we've gathered average policy prices from Safe Auto and 21st Century. The below rates cover a variety of rating factors, including credit, driving behavior, and demographics. Check out the below rates and find the perfect policy for you.
Looking for in-depth analysis? Read our comprehensive reviews of 21st Century and Safe Auto.
Compare 21st Century vs. Safe Auto auto insurance rates
21st Century vs. Safe Auto: rate comparison by credit level
If you have very poor credit, 21st Century could be the best option for you. On average, 21st Century offers more affordable premiums than Safe Auto for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or higher — should lean toward 21st Century, which typically beats Safe Auto by $558 per year. Check out typical insurance costs by credit tier for Safe Auto and 21st Century below.
CREDIT SCORE INSURANCE RATE COMPARISON: Safe Auto VS. 21st Century
|Credit score||21st Century avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$1,363||$3,799|
|Very Good (740-799)||$1,363||$1,937|
21st Century vs. Safe Auto: high-risk insurance rates
If you are saddled with an at-fault crash, speeding ticket, reckless driving violation, or DWI in your rear view mirror, 21st Century could be a better choice than Safe Auto. Every insurance company has different post-violation pricing structures, so it's worth comparing quotes to understand which insurance company suits you.
RATES BY VIOLATION: Safe Auto VS. 21st Century
|Violation||21st Century avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$2,440||$2,867|
|At-fault accident (damage > $1,000)||$1,273||$2,837|
21st Century vs. Safe Auto: rates by age
Insurance companies use age to outline risk potential, pricing premiums on a sliding scale. A car insurance policy is commonly more expensive for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Because each insurance company evaluates age tiers in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose 21st Century over Safe Auto: 21st Century offers average yearly savings of $3,029, compared to Safe Auto.
COMPARING AUTO INSURANCE RATES BY AGE: Safe Auto VS. 21st Century
|Age tier||21st Century avg. annual premium||Safe Auto avg. annual premium|
Finances aside, there are myriad pros and cons of both 21st Century and Safe Auto, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
|Discount Comparison||21st Century||Safe Auto|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||21st Century||Safe Auto|
|JD Power Rankings||N/A||N/A|
|Other Products||21st Century||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||21st Century||Safe Auto|
|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.||Safe Auto strives to provide affordable insurance to every driver, no matter the situation.|
|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.||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.|
|Additional Discounts||21st Century offers an additional discount for seniors in select states.||Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.|
|Top States||California||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia|