Nationwide vs 21st Century Car Insurance

Compare rates from the top car insurance companies in your area.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

Let us find you cheaper insurance quotes for free.

Provide some basic info so we can find your personalized quotes from top insurance companies.

or
Location pin icon
No junk mail. No spam calls. Free quotes.

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 scoreNationwide avg. annual premium21st 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.


HIGH-RISK INSURANCE RATE COMPARISON: 21st Century VS. Nationwide
ViolationNationwide avg. annual premium21st 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
AgeNationwide avg. annual premium21st 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 ComparisonNationwide21st 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 ComparisonNationwide21st Century
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsNationwide21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNationwide21st Century
AboutNationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior 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 AssistanceNationwide'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 DiscountsNationwide 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 QuestionsWhat's the ADOT code for Nationwide
The ADOT code for Nationwide would be listed on your policy documents. But for Nationwide, it is 0014.
Will an insurance company tell me if someone has paid a loan off?
Unfortunately an insurance company is not able to get information on another person's loan status due to privacy laws. Typically when a loan is fully paid off for a vehicle, then the title is transferred to the owner, who should then turn it over to you with the vehicle.
I was rear-ended but the driver drove off before we exchanged information
The safest course of action would be to contact your insurance company with all the information possible. Including the police report and the at-fault driver's license plate information.
If I hit an uninsured driver, can he go after me for damages?
Georgia isn't a "No-Pay No-Play" state, so if the insured driver is considered to be at-fault for the crash then the not at-fault party's insurance status does not have a bearing on any claims payout. Long story short, they can claim their vehicle damage and injuries if the other driver is at-fault.
See More Questions
Compare MoreNationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Insurance Nationwide vs. Safe Auto Nationwide vs. Safeco Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farm Bureau Mutual 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. Safe Auto 21st Century vs. Safeco 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasCalifornia