Choosing an auto insurance company can be tough: every company's rates differ based on your location, vehicle, and driving record, and insurers offer a variety of perks. Liberty Mutual and 21st Century are two of the top auto insurance companies, offering high-quality coverage in most states across the US.
In an effort to make insurance shopping seamless, we have gathered average rates from 21st Century and Liberty Mutual. The below rates cover a variety of rating factors, including credit rating, driving history, and age. Compare rates and find your next car insurance policy today.
If you have very bad credit, 21st Century could be preferable to Liberty Mutual. Typically, 21st Century offers cheaper prices than Liberty Mutual for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should opt for Check out average insurance rates by credit tier for 21st Century and Liberty Mutual:
|Credit level||Liberty Mutual avg. annual premium||21st Century avg. annual premium|
|Very Poor (300-579)||$3,228||$1,363|
|Very Good (740-799)||$1,878||$1,363|
If you have an at-fault accident, ticket, reckless driving violation, or DUI on your record, 21st Century could be a better choice than Liberty Mutual. Every insurance company has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurer suits you.
|Infraction||Liberty Mutual avg. annual premium||21st Century avg. annual premium|
|At-fault accident (damage < $1,000)||$2,776||$2,440|
|At-fault accident (damage > $1,000)||$2,112||$1,273|
Insurers use a driver's age to outline risk potential, assigning rates on a sliding scale. An insurance policy is often more expensive for young drivers — because of their inexperience — and more affordable for middle-aged drivers. Because every insurance company prices age brackets in a different way, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose 21st Century over Liberty Mutual: the former's average annual rates are $1,326 less than the latter's..
|Age tier||Liberty Mutual avg. annual premium||21st Century avg. annual premium|
Costs aside, Liberty Mutual and 21st Century each have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to shop around before settling on an option.
|Discount Comparison||Liberty Mutual||21st Century|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||Liberty Mutual||21st Century|
|JD Power Rankings||3 out of 5||3 out of 5|
|Other Products||Liberty Mutual||21st Century|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||Liberty Mutual||21st Century|
|About||Liberty Mutual is committed to providing broad, useful and competitively-priced insurance products and services to meet their customers' ever-changing 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 Assistance||Liberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.||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||Liberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.||21st Century offers an additional discount for seniors in select states.|
|Recent Questions||Why did my rate increase for a $25 towing claim?|
Can I get a refund for premiums I was forced to pay after accident?
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I backed into a poll and damaged my rear panel and bumper last night. I also have minor scratches and ...
What should I do if I damaged an old car and don’t want the insurance company to total the vehicle?
I was getting gas when it started to rain, and the wind was blowing really hard. A piece of metal ...
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My son’s friend left his vehicle parked at my house while he was on vacation. I drove it to the ...
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|Compare More||Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Amica Mutual Insurance Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. MetLife Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. Safe Auto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAA||21st Century vs. Allied 21st Century vs. Allstate 21st Century vs. American Family 21st Century vs. Amica Mutual Insurance 21st Century vs. Auto Club (AAA) 21st Century vs. Erie 21st Century vs. Esurance 21st Century vs. Farm Bureau Mutual 21st Century vs. Farmers 21st Century vs. Foremost 21st Century vs. GEICO 21st Century vs. Infinity 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. Nationwide 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. SAFECO 21st Century vs. Safe Auto 21st Century vs. State Farm 21st Century vs. The General 21st Century vs. The Hartford 21st Century vs. Titan 21st Century vs. Travelers 21st Century vs. USAA|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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