Progressive vs 21st Century Car Insurance

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

Choosing an auto insurance company can be tricky: companies' rates differ by driving record, age, and location, and companies offer an array of perks. Progressive and 21st Century are two of the most popular car insurance companies, providing competitively priced coverage in most regions.

In an effort to simplify the comparison process, we've collected average policy rates from 21st Century and Progressive. These rates cover myriad rating factors, including credit, driving infractions, and demographics. Examine these rates and find your next car insurance policy today.


Compare Progressive vs. 21st Century auto insurance rates


Progressive vs. 21st Century: premiums by credit level

If you have very poor credit, 21st Century could be the way to go. Typically, 21st Century offers lower prices than Progressive for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should favor Progressive, which typically beats 21st Century by $141 per year. View common insurance rates by credit score for 21st Century and Progressive:

Since 21st Century is focused on selling auto insurance in California, the company's rates don't have too much variability based on credit score. California is one of several US states that does not allow insurance companies to rely on credit as an insurance rating factor.


CREDIT SCORE INSURANCE RATE COMPARISON: 21ST CENTURY VS. PROGRESSIVE
Credit levelProgressive avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$3,602$1,461
Fair (580-669)$2,127$1,461
Good (670-739)$1,708$1,461
Very Good (740-799)$1,453$1,461
Exceptional (800-850)$1,320$1,461

Progressive vs. 21st Century: high-risk insurance rates

If you are carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving résumé, 21st Century could be a better choice than Progressive. Each car insurance company prices policies differently after a violation, so don't be afraid to shop around to figure out which insurance company suits you.


RATES BY VIOLATION: 21ST CENTURY VS. PROGRESSIVE
ViolationProgressive avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$2,720$2,440
At-fault accident (damage > $1,000)$2,245$1,273
DUI/DWI$2,201$3,949
Reckless driving$2,457$3,949
Speeding ticket$2,091$1,781

Progressive vs. 21st Century: rates by age

Insurers use a driver's age to outline potential risk, assigning rates accordingly. An auto insurance policy is typically most expensive for teens — because of their inexperience — and relatively affordable for drivers aged 25 or older. Because every auto insurance company prices age brackets in a different way, it's a smart move to shop around.

As a general rule, teen drivers should choose 21st Century over Progressive: the former's average annual rates are $3,015 less than the latter's..


RATES BY AGE BRACKET: 21ST CENTURY VS. PROGRESSIVE
AgeProgressive avg. annual premium21st Century avg. annual premium
Teens$8,248$5,233
20s$2,287$1,795
30s$1,646$1,795
40s$1,644$1,313
50s$1,542$1,244
60s$1,403$1,117

Finances aside, there are myriad pros and cons of both Progressive and 21st Century, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonProgressive21st 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 ComparisonProgressive21st Century
Financial Strength SuperiorExcellent
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A+

A+

Other ProductsProgressive21st Century
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressive21st Century
AboutProgressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.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 AssistanceProgressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance.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 DiscountsProgressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company.21st Century offers an additional discount for seniors in select states.
Recent QuestionsDo I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
Compare MoreProgressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Amica Mutual Insurance Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Insurance Progressive vs. Safe Auto Progressive vs. Safeco Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive 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. Nationwide 21st Century vs. North Star Mutual 21st Century vs. Safe Auto 21st Century vs. Safeco 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
Additional Resources:

Progressive vs 21st Century

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