Farmers vs 21st Century: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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.
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.
| Discount Comparison | Farmers | 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 | Farmers | 21st Century |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Below average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Farmers | 21st Century |
|---|---|---|
| Boat Insurance |
|
|
| Condo Insurance |
|
|
| Life Insurance |
|
|
| Homeowners Insurance |
|
|
| Travel Trailer Insurance |
|
|
| Renters Insurance |
|
|
| RV Insurance |
|
|
| Motorcycle Insurance |
|
|
| Mobile Home Insurance |
|
| 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. |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | California |