Choosing a car insurance company can be hard: the rates each insurer offers can vary widely by driving record, age, and location, and every company's discounts differ. 21st Century and safeco are two of the US' most popular insurance companies, selling affordable insurance policies across many states.
To make shopping for car insurance easier, we've collected average insurance rates from safeco and 21st Century. These rates cover a number of rating factors, including credit, driving infractions, and demographics. Take a look at these rates and find the perfect policy for you.
If you have very poor credit, 21st Century could be the way to go. On average, 21st Century offers lower prices than safeco for drivers with credit scores of lower than 580. Those with excellent credit — a score of 800 or better — should lean toward 21st Century, which typically beats safeco by $292 per year. Check out typical insurance rates by credit score for safeco and 21st Century below.
|Credit score||21st Century avg. annual premium||safeco avg. annual premium|
|Very Poor (300-579)||$1,363||$5,308|
|Very Good (740-799)||$1,363||$1,871|
If you are saddled with an at-fault accident, ticket, reckless driving citation, or DUI offense on your driving résumé, 21st Century could be a better choice than safeco. Every auto insurance company enacts rate penalties differently, so always do your due diligence and compare quotes to understand which insurer suits you.
|Infraction||21st Century avg. annual premium||safeco avg. annual premium|
|At-fault accident (damage < $1,000)||$2,440||$2,546|
|At-fault accident (damage > $1,000)||$1,273||$1,969|
Insurance companies rely on a driver's age as an indicator of potential risk, pricing policies accordingly. Auto insurance is usually expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every auto insurance company prices ages uniquely, it's wise to compare rates and find a great fit.
As a general rule, teen drivers should choose 21st Century over safeco: 21st Century offers average yearly savings of $2,532 versussafeco.
|Age||21st Century avg. annual premium||safeco avg. annual premium|
Costs aside, 21st Century and safeco both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||21st Century||Safeco|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||21st Century||Safeco|
|JD Power Rankings|
|Other Products||21st Century||Safeco|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||21st Century||Safeco|
|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.||Why customers love Safeco: Whether it’s your car, home, motorcycle, boat, identity, or more, Safeco makes it simple to protect what matters to you. Financial strength you can trust: Safeco Insurance is proud to be part of Liberty Mutual Insurance, a Fortune 100 company, rated “A” by A.M. Best Company. Liberty Mutual is rated “A” by A.M. Best Company.|
|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.||Safeco offers roadside assistance 24/7 as a policy option, including coverage for towing, flat tire, battery service, fuel and fluids, and lockouts.|
|Additional Discounts||21st Century offers an additional discount for seniors in select states.||Safeco offers additional discounts such as Advance Quote Discount, New Teen and Preferred Payment. And as a subsidiary of Liberty Mutual, Safeco offers 24/7 claims service.|
|Recent Questions||What can I do about fixing incorrect information on my driving record?|
It really depends on where the accidents are listed. Insurance companies look at 2 different reports to verify your driving history.If my teenager rear ended another car but we aren't filing a claim, will my insurance rate go up?
The tricky part about this situation is the police report. Since your current insurance company is unlikely to re-run your driving records after you become a customer, avoiding a claim should keep the rate with your current company from increasing.Should I file a claim if my repair cost is $1,500?
In New Mexico, our State of Insurance report shows that an at fault accident increases rates by an average of $596 additionally per year. Since accidents impact your rate for at least 3 years, you would be paying an extra $1,788 in premium over that time frame.Can I put my insurance on hold due to temporary disability?
Technically, you can cancel your car insurance at any time. However, canceling your policy will result in the loss of a Prior Insurance discount when you go to purchase another policy in the future.See More Questions
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