State Farm vs. 21st Century

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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
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 tierState Farm avg. annual premium21st 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 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
New Vehicle
Annual Mileage
Ratings ComparisonState Farm21st Century
Financial Strength ExcellentExcellent
JD Power Rankings Above averageN/A
User Satisfaction 4.5/54.5/5
Other ProductsState Farm21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState Farm21st Century
Roadside Assistance
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 QuestionsShould I file a claim through State Farm?
These kinds of situations are going to depend greatly on your current finances and insurance premiums. If you've previously had a clean record,&nbsp;an accident will typically increase your rates by about 20 to 30%.
Can 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%.
See More Questions
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