GEICO vs 21st Century: Which is Better for You?

Picking a car insurance company can be complicated: companies' rates vary by driving history, location, and age, and every company provides a different set of discounts. GEICO and 21st Century are two of the US' top insurers, selling high-quality coverage in most American states.

To take the sting out of shopping for car insurance, we gathered average insurance premiums from 21st Century and GEICO. These rates cover an array of pricing components, chief among which are credit rating, driving history, and age. Compare rates and find the right policy for you.

Want to find out more? Check out our reviews of GEICO and 21st Century.

GEICO vs. 21st Century: by credit level

If you have very poor credit, 21st Century could be preferable to GEICO. On average, 21st Century offers more affordable prices than GEICO for prospective clients with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should consider GEICO, which typically beats 21st Century by $299 per year. Check out typical insurance costs by credit tier for 21st Century and GEICO below.

INSURER RATES BY CREDIT SCORE: 21ST CENTURY VS. GEICO

Credit level	GEICO avg. annual premium	21st Century avg. annual premium
Very Poor (300-579)	$2,051	$1,363
Fair (580-669)	$1,358	$1,363
Good (670-739)	$1,485	$1,657
Very Good (740-799)	$1,120	$1,363
Exceptional (800-850)	$1,064	$1,363

GEICO vs. 21st Century: by citation

If you're saddled with an at-fault collision, speeding ticket, reckless driving violation, or DUI on your record, GEICO could be a better choice than 21st Century. Every car insurance company has different post-violation pricing structures, so don't hesitate to shop around to understand which insurance company suits you.

INSURER RATES BY VIOLATION: 21ST CENTURY VS. GEICO

Violation	GEICO avg. annual premium	21st Century avg. annual premium
At-fault accident (damage < $1,000)	$1,857	$2,440
At-fault accident (damage > $1,000)	$1,580	$1,273
DUI/DWI	$2,550	$3,949
Reckless driving	$2,238	$3,949
Speeding ticket	$1,395	$1,781

GEICO vs. 21st Century: by age

Auto insurance companies use a driver's age to estimate risk, assigning rates accordingly. An insurance policy is usually most expensive for beginning and young drivers — due to their increased odds of being involved in an accident — and most affordable for drivers aged 25 or older. Because every auto insurance company prices age brackets uniquely, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose GEICO instead of 21st Century: GEICO offers average yearly savings of $1,725 versus21st Century.

INSURER RATES BY AGE: 21ST CENTURY VS. GEICO

Age	GEICO avg. annual premium	21st Century avg. annual premium
Teens	$3,508	$5,233
20s	$1,438	$1,795
30s	$1,218	$1,795
40s	$1,189	$1,313
50s	$1,160	$1,244
60s	$1,065	$1,117

Aside from finances, GEICO and 21st Century come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.