State Farm vs 21st Century Car Insurance

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

Deciding on a car insurance company can be complicated: rates can vary by driving record, location, and age, and every company's discounts differ. State Farm and 21st Century are two of the most popular auto insurance companies, selling affordable policies across most of America.

In an effort to simplify the comparison process, we collected average insurance rates from 21st Century and State Farm. These take into account a number of pricing factors, including credit rating, driving record, and age. Compare rates and find your next car insurance policy today.


State Farm vs. 21st Century: insurance rate comparison


State Farm vs. 21st Century: pricing by credit score

If you have extremely bad credit, 21st Century could be preferable to State Farm. On average, 21st Century offers better rates than State Farm for prospective clients with credit scores of 579 or less. Those with extraordinary credit — a score of 800-plus — should favor State Farm, which typically beats 21st Century by $103 per year. View typical insurance rates by credit score for 21st Century and State Farm below.


RATES BY CREDIT LEVEL: 21st Century VS. State Farm
Credit levelState Farm avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$3,522$1,363
Fair (580-669)$2,003$1,363
Good (670-739)$1,613$1,657
Very Good (740-799)$1,451$1,363
Exceptional (800-850)$1,260$1,363

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

If you're dealing with an at-fault crash, speeding violation, reckless driving citation, or DUI on your driving résumé, 21st Century could be a better choice than State Farm. Every car insurance company has different post-violation pricing structures, so it's worth comparing quotes to understand which insurance company suits you.


RATES BY VIOLATION: 21st Century VS. State Farm
CitationState Farm avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$2,849$2,440
At-fault accident (damage > $1,000)$1,524$1,273
DUI/DWI$3,854$3,949
Reckless driving$2,895$3,949
Speeding ticket$1,983$1,781

State Farm vs. 21st Century: rates by age

Car insurance companies rely on a driver's age to estimate risk, pricing premiums accordingly. An insurance policy is often priciest for teen drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because every car insurance company rates age brackets differently, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose 21st Century over State Farm: the former's average annual rates are $587 less than the latter's..


AGE BRACKET INSURANCE RATE COMPARISON: 21st Century VS. State Farm
AgeState Farm avg. annual premium21st Century avg. annual premium
Teens$5,820$5,233
20s$2,379$1,795
30s$1,585$1,795
40s$1,587$1,313
50s$1,558$1,244
60s$1,485$1,117

Setting aside cost, State Farm and 21st Century each come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonState Farm21st 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 ComparisonState Farm21st Century
Financial Strength SuperiorExcellent
JD Power Rankings
3 out of 5
3 out of 5
User Satisfaction

A++

A+

Other ProductsState Farm21st Century
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Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesState Farm21st Century
AboutGet the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's 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 AssistanceState Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services.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 DiscountsState Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model.21st Century offers an additional discount for seniors in select states.
Recent QuestionsWhat’s max amount of cars allowed on state farm insurance policy?

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

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