Nationwide vs 21st Century Car Insurance

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Nationwide or 21st Century:
Which Company is Best for You?

Choosing a car insurance company can be tricky: rates can fluctuate based on your driving record, age, and location, and every company's discounts vary. Nationwide and 21st Century are two of the most popular car insurance companies, selling affordable policies across most of America.

In an effort to simplify the insurance-shopping process, we have gathered average premiums from 21st Century and Nationwide. The below rates cover a variety of pricing factors, including credit rating, driving record, and age. Check out the below rates and find the right policy for you.


Compare Nationwide vs. 21st Century auto insurance rates


Nationwide vs. 21st Century: by credit level

If you have very poor credit, 21st Century could be preferable to Nationwide. Typically, 21st Century offers lower rates than Nationwide for prospective clients with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or better — should opt for Nationwide, which typically beats 21st Century by $326 per year. Check out common insurance rates by credit score for 21st Century and Nationwide below.


RATES BY CREDIT LEVEL: 21st Century VS. Nationwide
Credit levelNationwide avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$1,593$1,363
Fair (580-669)$1,262$1,363
Good (670-739)$1,283$1,657
Very Good (740-799)$1,109$1,363
Exceptional (800-850)$1,037$1,363

Nationwide vs. 21st Century: rates for bad drivers

If you've got an at-fault collision, speeding ticket, reckless driving citation, or DUI in your rear view mirror, Nationwide could be a better choice than 21st Century. Every auto insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 21st Century VS. Nationwide
InfractionNationwide avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$1,836$2,440
At-fault accident (damage > $1,000)$1,475$1,273
DUI/DWI$2,691$3,949
Reckless driving$2,508$3,949
Speeding ticket$1,469$1,781

Nationwide vs. 21st Century: rates by age bracket

Insurance companies rely on a driver's age as an estimator of risk, assigning rates accordingly. Car insurance is usually more expensive for beginning and young drivers — because of their inexperience — and more affordable for drivers aged 25 or older. Because each insurance company prices age brackets differently, it's smart to shop around and find the perfect policy for you.

As a general rule, teen drivers should choose Nationwide over 21st Century: Nationwide offers average yearly savings of $1,609, compared to 21st Century.


COMPARING AUTO INSURANCE RATES BY AGE: 21st Century VS. Nationwide
AgeNationwide avg. annual premium21st Century avg. annual premium
Teens$3,624$5,233
20s$1,582$1,795
30s$1,163$1,795
40s$1,151$1,313
50s$1,114$1,244
60s$1,028$1,117

Finances aside, Nationwide and 21st Century both have pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonNationwide21st 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
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonNationwide21st Century
Financial Strength SuperiorExcellent
JD Power Rankings
4 out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsNationwide21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesNationwide21st Century
AboutNationwide demonstrates customer appreciation and respect through dedicated, licensed professionals and superior claim service.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 AssistanceNationwide's Roadside Assistance is available in select states. Two levels of emergency Roadside Assistance coverage—Basic and Plus—are available. Nationwide Roadside Assistance Basic applies to everyone on your policy, in any car you might occupy with coverage that includes towing up to 15 miles, ditch extraction service, emergency fuel, battery jump-start, locksmith services up to $100 and tire changes. Nationwide Roadside Assistance Plus includes all the previously listed services in addition to a tow up to 100 miles and trip interruption coverage that may reimburse your expenses up to $500 for alternate transportation, lodging and meals if you find yourself broken down 100 or more miles from home.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 DiscountsNationwide offers additional savings through a Family Discount, which allows you to share discounts with members of your family.21st Century offers an additional discount for seniors in select states.
Recent QuestionsWhat’s the ADOT code for Nationwide

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Compare MoreNationwide vs. Allstate Nationwide vs. American Family Nationwide vs. Amica Mutual Insurance Nationwide vs. Auto Club (AAA) Nationwide vs. Erie Nationwide vs. Esurance Nationwide vs. Farm Bureau Mutual Nationwide vs. Farmers Nationwide vs. Foremost Nationwide vs. GEICO Nationwide vs. Infinity Nationwide vs. Liberty Mutual Nationwide vs. Mercury Nationwide vs. MetLife Nationwide vs. North Star Mutual Nationwide vs. Progressive Nationwide vs. Root Nationwide vs. SAFECO Nationwide vs. SafeAuto Nationwide vs. State Farm Nationwide vs. The General Nationwide vs. The Hartford Nationwide vs. Travelers Nationwide vs. USAA21st 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. Liberty Mutual 21st Century vs. Mercury 21st Century vs. MetLife 21st Century vs. North Star Mutual 21st Century vs. Progressive 21st Century vs. SAFECO 21st Century vs. SafeAuto 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasCalifornia
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Nationwide vs 21st Century

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