American Family or 21st Century: Which Company is Best for You?
Deciding on a car insurance company is complex: companies' rates vary based on your driving record, age, and location, and insurers offer a variety of perks. American Family and 21st Century are counted among America's top auto insurance companies, providing high-quality policies in many states.
To help simplify the process of comparing insurance companies, we gathered average rates from 21st Century and American Family. These take into consideration a number of rating factors, including credit rating, driving history, and age. Compare rates and find the right policy for you.
Looking for additional insights? Check out our reviews of American Family and 21st Century.
American Family vs. 21st Century: rate comparison
American Family vs. 21st Century: premiums by credit level
If you have extremely bad credit, 21st Century could be preferable to American Family. On average, 21st Century offers cheaper rates than American Family for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800-plus — should lean toward American Family, which typically beats 21st Century by $422 annually. View typical insurance costs by credit level for 21st Century and American Family:
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: 21st Century VS. American Family
| Credit score | American Family avg. annual premium | 21st Century avg. annual premium |
| Very Poor (300-579) | $1,931 | $1,363 |
| Fair (580-669) | $1,294 | $1,363 |
| Good (670-739) | $1,220 | $1,657 |
| Very Good (740-799) | $1,009 | $1,363 |
| Exceptional (800-850) | $941 | $1,363 |
American Family vs. 21st Century: high-risk insurance rates
If you are saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI on your record, American Family could be a better choice than 21st Century. Every car insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer suits you.
RATES BY VIOLATION: 21st Century VS. American Family
| Infraction | American Family avg. annual premium | 21st Century avg. annual premium |
| At-fault accident (damage < $1,000) | $1,763 | $2,440 |
| At-fault accident (damage > $1,000) | $990 | $1,273 |
| DUI/DWI | $1,857 | $3,949 |
| Reckless driving | $1,857 | $3,949 |
| Speeding ticket | $1,270 | $1,781 |
American Family vs. 21st Century: rates by age
Insurers rely on a driver's age as an indicator of potential risk, pricing premiums accordingly. Car insurance is commonly most expensive for beginning and young drivers — due to their inexperience — and most affordable for drivers aged 25 or older. Because every insurance company prices ages in a different way, it's a smart move to shop around.
As a general rule, teen drivers should choose American Family instead of 21st Century: American Family offers average yearly savings of $1,423, compared to 21st Century.
AGE BRACKET INSURANCE RATE COMPARISON: 21st Century VS. American Family
| Age tier | American Family avg. annual premium | 21st Century avg. annual premium |
| Teens | $3,810 | $5,233 |
| 20s | $1,685 | $1,795 |
| 30s | $1,101 | $1,795 |
| 40s | $1,089 | $1,313 |
| 50s | $1,089 | $1,244 |
| 60s | $986 | $1,117 |
Costs aside, American Family 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 shop around before settling on an option.
| Discount Comparison | American Family | 21st Century |
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| Good Student |
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| Multiple Vehicles |
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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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| Ratings Comparison | American Family | 21st Century |
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| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Above average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | American Family | 21st Century |
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| Other Features | American Family | 21st Century |
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| About | American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships. | 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 | American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys). | 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 | None Available | 21st Century offers an additional discount for seniors in select states. |
| Recent Questions | ||
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| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | California |