AAA vs 21st Century: Which is Better for You?

Compare rates from the top car insurance companies in your area.

Location pin icon
No junk mail. No spam calls. Free quotes.

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):

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.

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..

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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported supported
Student Away at School supported supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase supported supported
Pay in Full supported supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle supported supported
Annual Mileage supported
Ratings Comparison Auto Club (AAA) 21st Century
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.2/5 4.2/5
Other Products Auto Club (AAA) 21st Century
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance
Renters Insurance supported
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