Farmers vs 21st Century: Which is Better 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.

Farmers vs. 21st Century: 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:

INSURER RATES BY CREDIT SCORE: 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: by citation

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.

INSURER RATES BY VIOLATION: 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: 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..

INSURER 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.