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.
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 | 21st Century avg. annual premium | Safe Auto avg. annual premium |
| Very Poor (300-579) | $1,363 | $3,799 |
| Fair (580-669) | $1,363 | $2,483 |
| Good (670-739) | $1,657 | $3,358 |
| Very Good (740-799) | $1,363 | $1,937 |
| Exceptional (800-850) | $1,363 | $1,921 |
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.
| 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 |
| DUI/DWI | $3,949 | $2,867 |
| Reckless driving | $3,949 | $2,867 |
| Speeding ticket | $1,781 | $2,738 |
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.
| Age tier | 21st Century avg. annual premium | Safe Auto avg. annual premium |
| Teens | $5,233 | $8,262 |
| 20s | $1,795 | $2,764 |
| 30s | $1,342 | $2,764 |
| 40s | $1,313 | $2,053 |
| 50s | $1,244 | $1,862 |
| 60s | $1,117 | $1,707 |
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 |
|---|---|---|
| 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 | Safe Auto |
|---|---|---|
| Financial Strength | Excellent | Good |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| Other Products | 21st Century | Safe Auto |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle 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. |
| Recent Questions | Should I get full coverage from a less well-known insurer? Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies. Do I pay a deductible for a liability claim?You are not responsible for a deductible unless you have comprehensive and collision coverage. Since you only have liability, the damages to your car will not be covered which means there is no deductible. See More Questions | |
| Compare More | 21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farm Bureau Mutual 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. Safeco 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAA | Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. Safeco Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers Safe Auto vs. USAA |
| Top States | California | Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia |