Liberty Mutual vs 21st Century: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Liberty Mutual or 21st Century: Which company is best for you?
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.
Seeking more information? Check out our reviews of Liberty Mutual and 21st Century.
Liberty Mutual vs. 21st Century: by credit level
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:
INSURER RATES BY CREADIT SCORE: 21ST CENTURY VS. LIBERTY MUTUAL
| Credit score | Liberty Mutual avg. annual premium | 21st Century avg. annual premium |
| Very Poor (300-579) | $3,228 | $1,363 |
| Fair (580-669) | $2,276 | $1,363 |
| Good (670-739) | $2,109 | $1,657 |
| Very Good (740-799) | $1,878 | $1,363 |
| Exceptional (800-850) | $1,792 | $1,363 |
Liberty Mutual vs. 21st Century: by citation
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.
INSURER RATES BY VIOLATION: 21ST CENTURY VS. LIBERTY MUTUAL
| 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 |
| DUI/DWI | $4,182 | $3,949 |
| Reckless driving | $3,459 | $3,949 |
| Speeding ticket | $2,068 | $1,781 |
Liberty Mutual vs. 21st Century: by age
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..
INSURER RATES BY AGE: 21ST CENTURY VS. LIBERTY MUTUAL
| Age | Liberty Mutual avg. annual premium | 21st Century avg. annual premium |
| Teens | $6,559 | $5,233 |
| 20s | $2,686 | $1,795 |
| 30s | $1,942 | $1,795 |
| 40s | $1,926 | $1,313 |
| 50s | $1,793 | $1,244 |
| 60s | $1,746 | $1,117 |
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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
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| New Vehicle |
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| Ratings Comparison | Liberty Mutual | 21st Century |
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| Financial Strength | Good | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.2/5 | 4.2/5 |
| Other Products | Liberty Mutual | 21st Century |
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| Travel Trailer Insurance |
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| Other Features | Liberty Mutual | 21st Century |
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| 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. |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | California |