AAA vs. 21st Century

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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.


Compare Auto Club (AAA) vs. 21st Century auto insurance rates


Auto Club (AAA) vs. 21st Century: rates 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):

RATES BY CREDIT SCORE: 21st Century VS. Auto Club (AAA)
Credit levelAuto Club (AAA) avg. annual premium21st 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: costs for high-risk drivers

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.

InfractionAuto Club (AAA) avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$4,078$2,440
At-fault accident (damage > $1,000)$4,002$1,273
Reckless driving$5,530$3,949
Speeding ticket$4,078$1,781

Auto Club (AAA) vs. 21st Century: rates 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..

AgeAuto Club (AAA) avg. annual premium21st Century avg. annual premium

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 ComparisonAuto 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
New Vehicle
Annual Mileage
Ratings ComparisonAuto Club (AAA)21st Century
Financial Strength SuperiorExcellent
JD Power Rankings Below averageN/A
User Satisfaction 4.2/54.2/5
Other ProductsAuto 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 FeaturesAuto Club (AAA)21st Century
AboutAuto 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 AssistanceAAA 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 DiscountsAAA 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.
Recent QuestionsCan a bank add insurance to my loan when I already have insurance?
This sounds like a processing error. Short of that, I would say that this issue is unfortunately too specific to your policy for me to accurately advise.
How do i dispute a driving record with AAA
The only way you can dispute a claim on your driving history is to contact LexisNexis. That is the database that reports accidents to other companies.
Can I bundle my renters and new car insurance?
We have several companies that will be able to fit your needs. At this time, we do not quote renters insurance on our site but we can quote you with our agency.
Customer service for AAA roadside assistance only versus AAA auto insurance?
Insurance companies are regulated at a state commissioner level and in theory, are supposed to be neutral. But, it's hard to say for sure any being is entirely neutral.
See More Questions
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