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.
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.
|Credit score||Allstate avg. annual premium||21st Century avg. annual premium|
|Very Poor (300-579)||$3,117||$1,363|
|Very Good (740-799)||$1,820||$1,363|
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|
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|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Allstate||21st Century|
|JD Power Rankings|
|Other Products||Allstate||21st Century|
|Travel Trailer Insurance|
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|Other Features||Allstate||21st Century|
|About||Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you.||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||Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.||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||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.Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.See More Questions
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|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||California|