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

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Progressive or 21st Century: Which company is best for you?

Choosing an auto insurance company is difficult: rates can fluctuate based on your location, vehicle, and driving record, and insurers offer a variety of perks. Progressive and 21st Century are among the top insurance companies, providing competitively priced policies across many states.

To simplify the comparison process, we have collected average prices from 21st Century and Progressive. The below cover a variety of pricing components, including credit score, driving history, and age. Examine these figures and find an affordable policy today.

Seeking more info? Read our comprehensive reviews of Progressive and 21st Century.


Progressive vs. 21st Century: credit level

If you have extremely bad credit, 21st Century could be the best option for you. On average, 21st Century offers better prices than Progressive for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800 or higher — should favor Progressive, which typically beats 21st Century by $43 annually. Check out common insurance costs by credit level for 21st Century and Progressive below.

Credit level Progressive avg. annual premium 21st Century avg. annual premium
Very Poor (300-579) $3,602 $1,363
Fair (580-669) $2,127 $1,363
Good (670-739) $1,708 $1,657
Very Good (740-799) $1,453 $1,363
Exceptional (800-850) $1,320 $1,363

Progressive vs. 21st Century: by citation

If you have an at-fault accident, speeding violation, reckless driving violation, or DUI on your record, 21st Century could be a better choice than Progressive. Each insurer prices its policies differently, so it's worth comparing quotes to understand which insurance company suits you.

Infraction Progressive avg. annual premium 21st Century avg. annual premium
At-fault accident (damage < $1,000) $2,720 $2,440
At-fault accident (damage > $1,000) $2,245 $1,273
DUI/DWI $2,201 $3,949
Reckless driving $2,457 $3,949
Speeding ticket $2,091 $1,781

Progressive vs. 21st Century: by age

Insurers use a driver's age as an estimator of risk, pricing policies accordingly. A car insurance policy is typically priciest for drivers younger than 25 — due to their inexperience — and most affordable for drivers aged 25 or older. Since every insurance company rates ages differently, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose 21st Century over Progressive: the former's average annual rates are $3,015 less than the latter's..

Age bracket Progressive avg. annual premium 21st Century avg. annual premium
Teens $8,248 $5,233
20s $2,287 $1,795
30s $1,646 $1,795
40s $1,644 $1,313
50s $1,542 $1,244
60s $1,403 $1,117

Affordability aside, there are myriad pros and cons of both Progressive and 21st Century, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount Comparison Progressive 21st Century
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum supported
Advanced Purchase supported
Pay in Full supported supported
Home Owner supported supported
eSign or ePay
Telematics supported
New Vehicle supported
Annual Mileage
Ratings Comparison Progressive 21st Century
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Below average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Progressive 21st Century
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features Progressive 21st Century
About Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you. 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 Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance. 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 Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company. 21st Century offers an additional discount for seniors in select states.
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