Progressive vs. 21st Century

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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.


Comparing car insurance rates: Progressive vs. 21st Century


Progressive vs. 21st Century: by 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.

RATES BY CREDIT LEVEL: 21st Century VS. Progressive
Credit levelProgressive avg. annual premium21st 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: costs for high-risk drivers

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.

RATES BY VIOLATION: 21st Century VS. Progressive
InfractionProgressive avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$2,720$2,440
At-fault accident (damage > $1,000)$2,245$1,273
Reckless driving$2,457$3,949
Speeding ticket$2,091$1,781

Progressive vs. 21st Century: rates 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 bracketProgressive avg. annual premium21st Century avg. annual premium

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 ComparisonProgressive21st 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 ComparisonProgressive21st Century
Financial Strength SuperiorExcellent
JD Power Rankings Below averageN/A
User Satisfaction 4.3/54.3/5
Other ProductsProgressive21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressive21st Century
Roadside Assistance
Additional DiscountsProgressive 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.
Recent QuestionsCan my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.
Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
See More Questions
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