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.
HIGH-RISK INSURANCE RATE COMPARISON: 21st Century VS. Allstate
| 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 INSURANCE RATE COMPARISON: 21st Century VS. Allstate
| 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 |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
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| New Vehicle |
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| Military |
| Ratings Comparison | Allstate | 21st Century |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Allstate | 21st Century |
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| Travel Trailer Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Allstate | 21st Century |
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| 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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