State Farm vs 21st Century: Which is Better 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: 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
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: 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
DUI/DWI	$3,854	$3,949
Reckless driving	$2,895	$3,949
Speeding ticket	$1,983	$1,781

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
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.