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.
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|
|Very Good (740-799)||$1,363||$1,937|
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|
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|
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|
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|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||21st Century||Safe Auto|
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|Other Products||21st Century||Safe Auto|
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|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.Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.See More Questions
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