State Farm vs 21st Century Car Insurance

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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.

Seeking more information? Check out our reviews of State Farm and 21st Century.


State Farm vs. 21st Century: insurance rate comparison


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.


RATES BY CREDIT LEVEL: 21st Century VS. State Farm
Credit scoreState Farm avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$3,522$1,363
Fair (580-669)$2,003$1,363
Good (670-739)$1,613$1,657
Very Good (740-799)$1,451$1,363
Exceptional (800-850)$1,260$1,363

State Farm vs. 21st Century: high-risk driver rates

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.


RATES BY VIOLATION: 21st Century VS. State Farm
ViolationState Farm avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$2,849$2,440
At-fault accident (damage > $1,000)$1,524$1,273
DUI/DWI$3,854$3,949
Reckless driving$2,895$3,949
Speeding ticket$1,983$1,781

State Farm vs. 21st Century: rates by age bracket

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..


AGE BRACKET INSURANCE RATE COMPARISON: 21st Century VS. State Farm
Age tierState Farm avg. annual premium21st Century avg. annual premium
Teens$5,820$5,233
20s$2,379$1,795
30s$1,585$1,795
40s$1,587$1,313
50s$1,558$1,244
60s$1,485$1,117

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 ComparisonState Farm21st 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 ComparisonState Farm21st Century
Financial Strength SuperiorExcellent
JD Power Rankings
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
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+

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Other FeaturesState Farm21st Century
AboutGet 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 AssistanceState 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 DiscountsState 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.
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.
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
What could be the reason State Farm increased my premium?
Since it is policy-specific, State Farm will be the only one who can answer why the rate increased by 39%. I am not aware of any insurance law in California that would cause an increase of 39%.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
See More Questions
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