Selecting an auto insurance company can be hard: rates fluctuate based on your location, vehicle, and driving record, and every company's discounts differ. Liberty Mutual and 21st Century are among the most popular insurance companies, offering competitively priced policies across many states.
To help simplify the comparison process, we've gathered typical rates from 21st Century and Liberty Mutual. These rates cover an array of rating factors, including credit score, driving infractions, and age. Examine these rates and find an affordable policy today.
If you have very poor credit, 21st Century could be the best option for you. Typically, 21st Century offers cheaper prices than Liberty Mutual for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should consider Check out average insurance costs by credit level for 21st Century and Liberty Mutual:
|Credit score||Liberty Mutual avg. annual premium||21st Century avg. annual premium|
|Very Poor (300-579)||$3,228||$1,363|
|Very Good (740-799)||$1,878||$1,363|
If you are saddled with an at-fault accident, speeding violation, reckless driving violation, or DUI offense on your driving record, 21st Century could be a better choice than Liberty Mutual. Every insurer will handle driving offenses differently, so it's worth comparing quotes to find out which insurer suits you.
|Citation||Liberty Mutual avg. annual premium||21st Century avg. annual premium|
|At-fault accident (damage < $1,000)||$2,776||$2,440|
|At-fault accident (damage > $1,000)||$2,112||$1,273|
Auto insurance companies use age as an estimator of risk, assigning rates accordingly. An insurance policy is often expensive for drivers younger than 25 — because of their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company evaluates age tiers in a different way, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose 21st Century over Liberty Mutual: the former's average annual rates are $1,326 less than the latter's..
|Age||Liberty Mutual avg. annual premium||21st Century avg. annual premium|
Affordability aside, Liberty Mutual and 21st Century come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||Liberty Mutual||21st Century|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||21st Century|
|JD Power Rankings||Average||N/A|
|Other Products||Liberty Mutual||21st Century|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||21st Century|
|About||Liberty Mutual's "Buy Online Now” option may qualify drivers for additional discounts. Liberty Mutual customizes its insurance offerings so drivers only pay for what they need.||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||Liberty Mutual offers 24-hour Roadside Assistance — covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors — with purchase of optional Towing & Labor coverage.||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||Liberty Mutual offers additional discounts such as Newly Independent, New Teen and Good Payer discounts. In addition, Liberty Mutual offers benefits like Accident Forgiveness. Liberty Mutual also allows drivers to lock in their rate for a full year.||21st Century offers an additional discount for seniors in select states.|
Why did my rate increase for a $25 towing claim?
Unfortunately, you were given the correct information. Insurance companies base their rates on the risk of having to pay any claim.Can I get a refund for premiums I was forced to pay after accident?
Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.What's the difference between a vanishing deductible and accident forgiveness
Let's first summarize the two: Accident Forgiveness with Liberty Mutual: If you're accident-free for five years (with any company), the company will forgive your first accident and not raise your rates. Furthermore, this policy can apply to all members of the household, including teenagers.Insurer refuses to give me my money back
I would try calling back again. It could be that the agent you spoke with was misinformed.See More Questions
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