State Farm vs 21st Century: Which is Better for You?
Compare rates from the top car insurance companies in your area.
State Farm or 21st Century: Which company is best for you?
Deciding on an auto insurance company can be tough: rates can vary by driving record, age, and location, and every company's discounts vary. State Farm and 21st Century are two of America's most popular insurance companies, selling competitively priced coverage across large swaths of the US.
In an effort to make insurance shopping seamless, we've collected average policy rates from 21st Century and State Farm. These take into account a variety of pricing factors, including credit rating, driving record, and age. Take a look at these rates and find your next car insurance policy today.
State Farm vs. 21st Century: by credit level
If you have very poor credit, 21st Century could be a better option for you. Typically, 21st Century offers better rates than State Farm for drivers with credit scores of less than 580. Drivers with excellent credit — a score of 800-plus — should favor State Farm, which typically beats 21st Century by $103 annually. Check out common insurance rates by credit level for 21st Century and State Farm below.
INSURER RATES BY CREDIT SCORE: 21ST CENTURY VS. STATE FARM
|Credit score||State Farm avg. annual premium||21st Century avg. annual premium|
|Very Poor (300-579)||$3,522||$1,363|
|Very Good (740-799)||$1,451||$1,363|
State Farm vs. 21st Century: by citation
If you're dealing with an at-fault collision, ticket, reckless driving violation, or DWI in your rear view mirror, 21st Century could be a better choice than State Farm. Each car insurance company has different post-violation pricing structures, so don't hesitate to shop around to understand which insurance company suits you.
INSURER RATES BY VIOLATION: 21ST CENTURY VS. STATE FARM
|Violation||State Farm avg. annual premium||21st Century avg. annual premium|
|At-fault accident (damage < $1,000)||$2,849||$2,440|
|At-fault accident (damage > $1,000)||$1,524||$1,273|
State Farm vs. 21st Century: by age
Car insurance companies use age to outline risk potential, pricing policies accordingly. A car insurance policy is commonly most expensive for teen drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every car insurance company evaluates ages uniquely, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose 21st Century instead of State Farm: the former's average annual rates are $587 less than the latter's..
INSURER RATES BY AGE: 21ST CENTURY VS. STATE FARM
|Age tier||State Farm avg. annual premium||21st Century avg. annual premium|
Costs aside, there are myriad pros and cons of both State Farm and 21st Century, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||State Farm||21st Century|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||State Farm||21st Century|
|JD Power Rankings||Above average||N/A|
|Other Products||State Farm||21st Century|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||State Farm||21st Century|
|About||Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs.||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||State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.||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||State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.||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|