American Family vs 21st Century: Which is Better 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.