Picking a car insurance company is difficult: the rates each insurer offers can vary widely based on your driving history, location, and age, and every company's discounts vary. USAA and 21st Century are two of America's most popular insurers, offering competitively priced coverage in most regions.
In an effort to simplify the comparison process, we gathered average prices from 21st Century and USAA. The below rates cover a variety of pricing components, including credit rating, driving behavior, and demographics. Check out the below rates and find the right policy for you.
If you have extremely bad credit, 21st Century could be preferable to USAA. On average, 21st Century offers more affordable rates than USAA for drivers with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800 or better — should opt for USAA, which typically beats 21st Century by $523 per year. Check out typical insurance rates by credit level for 21st Century and USAA below.
|Credit score||USAA avg. annual premium||21st Century avg. annual premium|
|Very Poor (300-579)||$2,682||$1,363|
|Very Good (740-799)||$910||$1,363|
If you are carrying an at-fault crash, speeding ticket, reckless driving violation, or DWI on your driving record, USAA could be a better choice than 21st Century. Every car insurance company prices policies differently after a violation, so don't hesitate to shop around to understand which insurer is best for you.
|Violation||USAA avg. annual premium||21st Century avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$2,440|
|At-fault accident (damage > $1,000)||$947||$1,273|
Auto insurance companies use age to outline potential risk, pricing premiums on a sliding scale. Auto insurance is usually most expensive for drivers younger than 25 — due to their inexperience — and more affordable for older drivers. Since each insurance company prices age tiers differently, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose USAA over 21st Century: USAA offers average yearly savings of $2,369, compared to 21st Century.
|Age tier||USAA avg. annual premium||21st Century avg. annual premium|
Aside from finances, USAA and 21st Century come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||USAA||21st Century|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||21st Century|
|JD Power Rankings||Excellent||N/A|
|Other Products||USAA||21st Century|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||21st Century|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||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||24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.||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||USAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.||21st Century offers an additional discount for seniors in select states.|
Am I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.See More Questions
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