Progressive vs 21st Century: Which is Better for You?
Compare rates from the top car insurance companies in your area.
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.
INSURER RATES BY CREDIT SCORE: 21ST CENTURY VS. PROGRESSIVE
| 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.
INSURER RATES BY VIOLATION: 21ST CENTURY VS. PROGRESSIVE
| 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..
INSURER RATES BY AGE: 21ST CENTURY VS. PROGRESSIVE
| 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 |
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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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| Military |
| Ratings Comparison | Progressive | 21st Century |
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| Financial Strength | Superior | Excellent |
| JD Power Rankings | Below average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Progressive | 21st Century |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | Progressive | 21st Century |
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| 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. |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | California |