Farmers vs. 21st Century

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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 SCORE INSURANCE RATE COMPARISON: 21st Century VS. Farmers
Credit level Farmers avg. annual premium 21st 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.

 
COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 21st Century VS. Farmers
Violation Farmers avg. annual premium 21st Century avg. annual premium
At-fault accident (damage < $1,000) $2,334 $2,440
At-fault accident (damage > $1,000) $1,699 $1,273
DUI/DWI $3,239 $3,949
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 tier Farmers avg. annual premium 21st Century avg. annual premium
Teens $6,518 $5,233
20s $2,020 $1,795
30s $1,543 $1,795
40s $1,511 $1,313
50s $1,507 $1,244
60s $1,402 $1,117
 

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 Comparison Farmers 21st Century
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles supported supported
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported
Home Owner supported supported
eSign or ePay
Telematics
New Vehicle supported
Annual Mileage
Military
Ratings Comparison Farmers 21st Century
Financial Strength Question mark icon Excellent Excellent
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Farmers 21st Century
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features Farmers 21st Century
About Farmers Insurance Hawaii knows how important it is for you to protect your vehicle and save money. That’s why they offer discounts and benefits you may want, 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 Assistance Farmer'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 Discounts Farmers offers an additional discount for seniors. 21st Century offers an additional discount for seniors in select states.
Recent Questions Will my Farmers insurance roadside assistance provide towing up to 250 miles?
Roadside assistance varies by insurance company. From my understanding, most towing and roadside assistance coverage offered as part of an auto policy either has a set dollar amount to cover a tow, covers towing up to 15 miles from your breakdown, or covers towing to the nearest repair facility.
See More Questions
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