Progressive vs 21st Century Car Insurance

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

Selecting an auto insurance company can be difficult: companies' rates may vary by driving history, location, and age, and companies offer an array of discounts. Progressive and 21st Century are two of the most popular insurance companies, selling competitively priced coverage across most of America.

To make insurance shopping seamless, we collected average policy prices from 21st Century and Progressive. The below rates cover myriad rating factors, including credit quality, driving history, and demographics. Take a look at these rates and find your next car insurance policy today.


Progressive vs. 21st Century: premium comparison


Progressive vs. 21st Century: pricing by credit score

If you have extremely bad credit, 21st Century could be a better option for you. On average, 21st Century offers more affordable premiums than Progressive for prospective clients with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800-plus — should consider Progressive, which typically beats 21st Century by $43 annually. View common insurance costs by credit score for 21st Century and Progressive:


CREDIT SCORE INSURANCE RATE COMPARISON: 21st Century VS. Progressive
Credit scoreProgressive avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$3,602$1,363
Fair (580-669)$2,127$1,363
Good (670-739)$1,708$1,657
Very Good (740-799)$1,453$1,363
Exceptional (800-850)$1,320$1,363

Progressive vs. 21st Century: costs for high-risk drivers

If you are carrying an at-fault accident, speeding ticket, reckless driving violation, or DWI in your recent history, 21st Century could be a better choice than Progressive. Every car insurance company will handle driving offenses differently, so don't hesitate to shop around to figure out which insurance company suits you.


HIGH-RISK INSURANCE RATE COMPARISON: 21st Century VS. Progressive
CitationProgressive 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

Car insurance companies use age to outline risk potential, assigning rates accordingly. Car insurance is usually expensive for drivers younger than 25 — due to their inexperience — and relatively affordable for middle-aged drivers. Because every auto insurance company evaluates age brackets differently, it's worth doing some comparison shopping.

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..


AGE BRACKET INSURANCE RATE COMPARISON: 21st Century VS. Progressive
Age bracketProgressive 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

Aside from finances, Progressive and 21st Century each come with pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

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
3 out of 5
3 out of 5
User Satisfaction

A+

A+

Other ProductsProgressive21st Century
Boat Insurance
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 QuestionsDoes progressive auto insurance cover house property damage?

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Will my car insurance cover me after a theft

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Can I group multiple accidents into one claim?

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I was getting gas when it started to rain, and the wind was blowing really hard. A piece of metal ...

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What should I do after a minor accident?

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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 Progressive vs. SAFECO Progressive vs. SafeAuto 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. 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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Progressive vs 21st Century

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