Allstate vs. 21st Century

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Allstate or 21st Century: Which Company is Best for You?

Picking a car insurance company can be hard: companies' rates vary based on your driving history, location, and age, and every company provides a different set of discounts. Allstate and 21st Century are among the nation's most popular car insurance companies, providing affordable policies in most states.

In an effort to take the sting out of shopping for car insurance, we gathered average premiums from 21st Century and Allstate. The below rates cover a number of rating factors, including credit score, driving record, and age. Compare rates and find an affordable policy today.

Want to find out more? Check out our reviews of Allstate and 21st Century.


Comparing car insurance rates: Allstate vs. 21st Century


Allstate vs. 21st Century: prices by credit level

If you have extremely bad credit, 21st Century could be a better option for you. Typically, 21st Century offers cheaper rates than Allstate for prospective clients with credit scores of 579 or less. Those with exceptional credit — a score of 800-plus — should opt for Check out common insurance rates by credit level for 21st Century and Allstate below.

RATES BY CREDIT LEVEL: 21st Century VS. Allstate
Credit score Allstate avg. annual premium 21st Century avg. annual premium
Very Poor (300-579) $3,117 $1,363
Fair (580-669) $2,162 $1,363
Good (670-739) $2,021 $1,657
Very Good (740-799) $1,820 $1,363
Exceptional (800-850) $1,743 $1,363

Allstate vs. 21st Century: rates for high-risk drivers

If you are saddled with an at-fault accident, ticket, reckless driving violation, or DUI offense on your résumé, 21st Century could be a better choice than Allstate. Each insurance company will handle driving offenses differently, so don't be afraid to shop around to find out which insurance company suits you.

Infraction Allstate avg. annual premium 21st Century avg. annual premium
At-fault accident (damage < $1,000) $3,006 $2,440
At-fault accident (damage > $1,000) $2,290 $1,273
DUI/DWI $3,637 $3,949
Reckless driving $3,388 $3,949
Speeding ticket $2,256 $1,781

Allstate vs. 21st Century: rates by age

Insurers use a driver's age to indicate risk, assigning rates accordingly. Car insurance is commonly priciest for teen drivers — due to their inexperience — and more affordable for middle-aged drivers. Because each insurance company rates age brackets in a different way, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose 21st Century before Allstate: the former's average annual rates are $1,209 less than the latter's..

Age bracket Allstate avg. annual premium 21st Century avg. annual premium
Teens $6,442 $5,233
20s $2,636 $1,795
30s $1,920 $1,795
40s $1,912 $1,313
50s $1,893 $1,244
60s $1,768 $1,117

Affordability aside, Allstate and 21st Century each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount Comparison Allstate 21st Century
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported
Good Driver supported supported
Defensive Driver 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
Ratings Comparison Allstate 21st Century
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Allstate 21st Century
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features Allstate 21st Century
About Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today. 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 Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). 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 Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired. 21st Century offers an additional discount for seniors in select states.
Recent Questions Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
See More Questions
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