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 scoreAllstate avg. annual premium21st 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.

 
HIGH-RISK INSURANCE RATE COMPARISON: 21st Century VS. Allstate
InfractionAllstate avg. annual premium21st 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 INSURANCE RATE COMPARISON: 21st Century VS. Allstate
Age bracketAllstate avg. annual premium21st 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 ComparisonAllstate21st 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 ComparisonAllstate21st Century
Financial Strength ExcellentExcellent
JD Power Rankings AverageN/A
User Satisfaction 4.3/54.3/5
Other ProductsAllstate21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesAllstate21st Century
About
Roadside Assistance
Additional DiscountsAllstate 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 QuestionsCan you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
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.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
See More Questions
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Top StatesArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasCalifornia

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