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.
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:
| 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 |
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.
| 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 |
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 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 |
|---|---|---|
| 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 Comparison | American Family | 21st Century |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | ||
| User Satisfaction | A | A+ |
| Other Products | American Family | 21st Century |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | American Family | 21st Century |
|---|---|---|
| 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 | ||
| Compare More | American Family vs. Allied American Family vs. Allstate American Family vs. Amica Mutual Insurance American Family vs. Auto Club (AAA) American Family vs. Erie American Family vs. Esurance American Family vs. Farm Bureau Mutual American Family vs. Farmers American Family vs. Foremost American Family vs. GEICO American Family vs. Infinity American Family vs. Liberty Mutual American Family vs. Mercury American Family vs. MetLife American Family vs. Nationwide American Family vs. North Star Mutual American Family vs. Progressive American Family vs. Safe Auto American Family vs. Safeco American Family vs. State Farm American Family vs. The General American Family vs. The Hartford American Family vs. Titan American Family vs. Travelers American Family vs. USAA | 21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farm Bureau Mutual 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. Safe Auto 21st Century vs. Safeco 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAA |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | California |