AAA vs 21st Century: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Auto Club (AAA) or 21st Century: Which company is best for you?
Picking an auto insurance company is difficult: rates may vary by driving history, location, and age, and insurers offer a variety of perks. Auto Club (AAA) and 21st Century are two of the most popular car insurance companies, offering competitively priced policies across large portions of the US.
In an effort to make insurance shopping seamless, we gathered average premiums from 21st Century and Auto Club (AAA). These take into consideration a variety of rating factors, including credit rating, driving history, and demographics. Examine these rates and find an affordable policy today.
Seeking more info? Check out our reviews of AAA and 21st Century.
Auto Club (AAA) vs. 21st Century: by credit level
If you have very bad credit, 21st Century could be a better option for you. On average, 21st Century offers lower rates than Auto Club (AAA) for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or better — should consider Check out average insurance rates by credit tier for 21st Century and Auto Club (AAA):
INSURER RATES BY CREDIT SCORE: 21ST CENTURY VS. AAA
| Credit level | Auto Club (AAA) avg. annual premium | 21st Century avg. annual premium |
| Very Poor (300-579) | $6,569 | $1,363 |
| Fair (580-669) | $4,023 | $1,363 |
| Good (670-739) | $3,723 | $1,657 |
| Very Good (740-799) | $3,004 | $1,363 |
| Exceptional (800-850) | $2,814 | $1,363 |
Auto Club (AAA) vs. 21st Century: by citation
If you've got an at-fault accident, speeding ticket, reckless driving citation, or DUI on your record, 21st Century could be a better choice than Auto Club (AAA). Every insurance company prices policies differently after a violation, so don't hesitate to shop around to figure out which insurer suits you.
INSURER RATES BY VIOLATION: 21ST CENTURY VS. AAA
| Infraction | Auto Club (AAA) avg. annual premium | 21st Century avg. annual premium |
| At-fault accident (damage < $1,000) | $4,078 | $2,440 |
| At-fault accident (damage > $1,000) | $4,002 | $1,273 |
| DUI/DWI | $5,530 | $3,949 |
| Reckless driving | $5,530 | $3,949 |
| Speeding ticket | $4,078 | $1,781 |
Auto Club (AAA) vs. 21st Century: by age
Insurance companies use a driver's age to outline risk potential, assigning rates accordingly. Car insurance is commonly most expensive for beginning and young drivers — 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 differently, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose 21st Century over Auto Club (AAA): the former's average annual rates are $5,023 less than the latter's..
INSURER RATES BY AGE: 21ST CENTURY VS. AAA
| Age | Auto Club (AAA) avg. annual premium | 21st Century avg. annual premium |
| Teens | $10,256 | $5,233 |
| 20s | $4,644 | $1,795 |
| 30s | $3,248 | $1,795 |
| 40s | $3,195 | $1,313 |
| 50s | $3,083 | $1,244 |
| 60s | $2,887 | $1,117 |
Aside from finances, there are myriad pros and cons of both Auto Club (AAA) and 21st Century, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | Auto Club (AAA) | 21st Century |
|---|---|---|
| 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 | Auto Club (AAA) | 21st Century |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Below average | N/A |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Auto Club (AAA) | 21st Century |
|---|---|---|
| Boat Insurance |
|
|
| Condo Insurance |
|
|
| Life Insurance |
|
|
| Homeowners Insurance |
|
|
| Travel Trailer Insurance | ||
| Renters Insurance |
|
|
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Auto Club (AAA) | 21st Century |
|---|---|---|
| About | Auto Club provides its customers with customizable payment options, competitive rates and excellent features. | 21st Century, part of the Farmers Insurance Group, is a leading US insurer of automobiles, dedicated to providing customers with superior coverage and service. |
| Roadside Assistance | AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge. | 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. |
| Additional Discounts | AAA offers an additional Garage Parking Discount Original Owner Discount, and maintains a wide-ranging rewards program for AAA members. | 21st Century offers an additional discount for seniors in select states. |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | California |