USAA vs 21st Century: Which is Better for You?
Compare rates from the top car insurance companies in your area.
USAA or 21st Century: Which company is best for you?
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.
Seeking more information? Check out our full reviews of USAA and 21st Century.
USAA vs. 21st Century: by credit level
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.
INSURER RATES BY CREDIT SCORE: 21ST CENTURY VS. USAA
| Credit score | USAA avg. annual premium | 21st Century avg. annual premium |
| Very Poor (300-579) | $2,682 | $1,363 |
| Fair (580-669) | $1,247 | $1,363 |
| Good (670-739) | $1,057 | $1,657 |
| Very Good (740-799) | $910 | $1,363 |
| Exceptional (800-850) | $840 | $1,363 |
USAA vs. 21st Century: by citation
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.
INSURER RATES BY VIOLATION: 21ST CENTURY VS. USAA
| 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 |
| DUI/DWI | $1,952 | $3,949 |
| Reckless driving | $1,472 | $3,949 |
| Speeding ticket | $1,124 | $1,781 |
USAA vs. 21st Century: by age
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.
INSURER RATES BY AGE: 21ST CENTURY VS. USAA
| Age tier | USAA avg. annual premium | 21st Century avg. annual premium |
| Teens | $2,864 | $5,233 |
| 20s | $1,261 | $1,795 |
| 30s | $963 | $1,795 |
| 40s | $957 | $1,313 |
| 50s | $889 | $1,244 |
| 60s | $845 | $1,117 |
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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum |
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| Advanced Purchase |
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| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle |
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| Annual Mileage |
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| Military |
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| Ratings Comparison | USAA | 21st Century |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Excellent | N/A |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | 21st Century |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| 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. |
| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | California |