Farmers vs 21st Century Car Insurance

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Farmers or 21st Century:
Which Company is Best for You?

Selecting a car insurance company can be tricky: companies' rates vary based on your driving record, location, and age, and insurers offer a variety of perks. Farmers and 21st Century are two of the most popular insurance companies, providing affordable insurance policies across most of the US.

To simplify the comparison process, we gathered average prices from 21st Century and Farmers. These take into account a variety of rating factors, chief among which are credit history, driving history, and age. Examine these rates and find the right policy for you.

Seeking more info? Check out our comprehensive reviews of Farmers and 21st Century.

Comparing car insurance rates: Farmers vs. 21st Century

Farmers vs. 21st Century: prices by credit level

If you have extremely bad credit, 21st Century could be a better option for you. On average, 21st Century offers cheaper rates than Farmers for prospective clients with credit scores of less than 580. Insurance shoppers with outstanding credit — a score of 800 or better — should opt for Farmers, which typically beats 21st Century by $9 per year. View common insurance costs by credit tier for 21st Century and Farmers:

Credit levelFarmers avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$2,633$1,363
Fair (580-669)$1,736$1,363
Good (670-739)$1,882$1,657
Very Good (740-799)$1,459$1,363
Exceptional (800-850)$1,354$1,363

Farmers vs. 21st Century: rates for bad drivers

If you've got an at-fault accident, speeding ticket, reckless driving citation, or DUI offense on your record, Farmers could be a better choice than 21st Century. Every auto insurance company prices policies differently after a violation, so don't be afraid to shop around to find out which insurance company suits you.

ViolationFarmers avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$2,334$2,440
At-fault accident (damage > $1,000)$1,699$1,273
Reckless driving$4,636$3,949
Speeding ticket$2,045$1,781

Farmers vs. 21st Century: rates by age

Car insurance companies use age to outline risk potential, assigning rates accordingly. Auto insurance is often priciest for teen drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company rates age tiers uniquely, it's smart to shop around and find a great rate.

As a general rule, teen drivers should choose 21st Century instead of Farmers: the former's average annual rates are $1,285 less than the latter's..

RATES BY AGE: 21st Century VS. Farmers
Age tierFarmers avg. annual premium21st Century avg. annual premium

Cost aside, Farmers and 21st Century both have pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonFarmers21st 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
New Vehicle
Annual Mileage
Ratings ComparisonFarmers21st Century
Financial Strength ExcellentExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction



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Other FeaturesFarmers21st Century
AboutFarmers Auto Insurance knows that protecting your vehicle is more than just a basic obligation, which is why they provide all the value and flexibility you need, along with unparalleled customer and claim service.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 AssistanceFarmer's Roadside Assistance provides assistance for reasonable and necessary services up to $150, including towing, roadside winching, locksmith services, flat tire changes, and jump starts.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 DiscountsFarmers offers an additional discount for seniors.21st Century offers an additional discount for seniors in select states.
Recent QuestionsAre some insurance providers better suited to my needs than others to get the best rate?
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.
Does Farmers allow exclusions?
While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.
Will my farmers insurance cover my towing off the the NJ turnpike
Although I am not a Farmers insurance agent, my understanding of Farmer's Roadside Assistance program is you can either call their roadside service while your vehicle is inoperable and they will tow you up to $150 or you can be reimbursed for your troubles. However, this is all dependent on having towing and roadside on your policy.
Will insurance cover someone other than the insured?
While it can vary by company, insurance will follow the car rather than the driver. So, in the event you get into an accident in your dad's vehicle, his insurance would be primary and yours would be secondary.
See More Questions
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