21st Century vs Safe Auto: Which is Better 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
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

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
DUI/DWI	$3,949	$2,867
Reckless driving	$3,949	$2,867
Speeding ticket	$1,781	$2,738

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
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.