Nationwide vs. 21st Century

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Nationwide or 21st Century: Which Company is Best for You?

Choosing an auto insurance company can be difficult: companies' rates differ by driving history, location, and age, and every company provides a different set of discounts. Nationwide and 21st Century are two of the most popular insurance companies, providing competitively priced insurance policies across large portions of the US.

To take the sting out of shopping for car insurance, we pulled typical insurance premiums from 21st Century and Nationwide. These take into account a variety of rating factors, including credit quality, driving history, and demographics. Take a look at these rates and find your next car insurance policy today.

Go in-depth: Check out our reviews of Nationwide and 21st Century.


Nationwide vs. 21st Century: insurance rate comparison


Nationwide vs. 21st Century: pricing by credit score

If you have extremely bad credit, 21st Century could be a better option for you. On average, 21st Century offers better rates than Nationwide for drivers with credit scores of lower than 580. Those with extraordinary credit — a score of 800 or higher — should lean toward Nationwide, which typically beats 21st Century by $326 annually. View typical insurance rates by credit level for 21st Century and Nationwide below.

RATES BY CREDIT LEVEL: 21st Century VS. Nationwide
Credit score Nationwide avg. annual premium 21st Century avg. annual premium
Very Poor (300-579) $1,593 $1,363
Fair (580-669) $1,262 $1,363
Good (670-739) $1,283 $1,657
Very Good (740-799) $1,109 $1,363
Exceptional (800-850) $1,037 $1,363

Nationwide vs. 21st Century: rates for bad drivers

If you are dealing with an at-fault accident, speeding violation, reckless driving violation, or DUI offense in your rear view mirror, Nationwide could be a better choice than 21st Century. Each insurer prices policies differently after a violation, so don't hesitate to shop around to understand which insurance company suits you.

Violation Nationwide avg. annual premium 21st Century avg. annual premium
At-fault accident (damage < $1,000) $1,836 $2,440
At-fault accident (damage > $1,000) $1,475 $1,273
DUI/DWI $2,691 $3,949
Reckless driving $2,508 $3,949
Speeding ticket $1,469 $1,781

Nationwide vs. 21st Century: rates by age

Insurance companies use a driver's age to outline risk potential, pricing policies accordingly. Insurance is often more expensive for teens — due to their increased odds of being involved in an accident — and more affordable for older drivers. Since each insurance company prices age brackets differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose Nationwide instead of 21st Century: Nationwide offers average yearly savings of $1,609 versus21st Century.

RATES BY AGE BRACKET: 21st Century VS. Nationwide
Age Nationwide avg. annual premium 21st Century avg. annual premium
Teens $3,624 $5,233
20s $1,582 $1,795
30s $1,163 $1,795
40s $1,151 $1,313
50s $1,114 $1,244
60s $1,028 $1,117

Costs aside, Nationwide and 21st Century each carry pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount Comparison Nationwide 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
New Vehicle
Annual Mileage
Ratings Comparison Nationwide 21st Century
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Nationwide 21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Nationwide 21st Century
About Auto Insurance from Nationwide gives you peace of mind when you're on the road. Save money without sacrificing coverage by participating in one of our usage-based discount programs, and save even more with multi-policy discounts. With our On Your Side Claims® Service, you'll get a written guarantee on repairs and a choice of qualified car repair shops you can trust. 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 Nationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home. 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 Nationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family. 21st Century offers an additional discount for seniors in select states.
Recent Questions What's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
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