USAA vs 21st Century Car Insurance

Compare all car insurance companies at once.

Your information is secure.

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

USAA and 21st Century are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. USAA was founded in 1922, while 21st Century was founded in 1958. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.
Discount ComparisonUSAA21st 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 ComparisonUSAA21st Century
Financial Strength SuperiorExcellent
JD Power Rankings
5 out of 5
3 out of 5
User Satisfaction

A++

A+

Other ProductsUSAA21st Century
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAA21st Century
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.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 Assistance24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence.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 DiscountsUSAA offers additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance.21st Century offers an additional discount for seniors in select states.
Recent QuestionsAgree to be paid out of pocket with driver with no license

My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...

Can I get USAA insurance from son in law

My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...

Does USAA membership extend to grandchildren

My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...

Can someone file a claim if it’s been 4 days and there are no pictures from the accident?

I rear ended someone 4 days ago and when we both looked at our vehicles we realized that there was ...

See More Questions
Can I group multiple accidents into one claim?

I backed into a poll and damaged my rear panel and bumper last night. I also have minor scratches and ...

If my car was damaged at a gas station due to bad weather, who pays for the repair?

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

What should I do if I damaged an old car and don’t want the insurance company to total the vehicle?

My son’s friend left his vehicle parked at my house while he was on vacation. I drove it to the ...

What should I do after a minor accident?

While driving down a dark street last night I was involved in an accident where I hit someone’s car door ...

See More Questions
Compare MoreUSAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers21st 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. 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. 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
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

USAA vs 21st Century

Uber vs. Lyft: Which is Better for Riders and Drivers?
Uber vs. Lyft: Which is Better for Riders and Drivers?
Oct 12, 2017

In 2015, Josh Waldrum from The Zebra did an experiment to see if it was possible to give up your car...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Mexico Insurance: What Is It and What Companies Offer It?
Mexico Insurance: What Is It and What Companies Offer It?
Feb 06, 2017

Your U.S. driver’s license is valid nearly anywhere in the world you might find yourself driving. However, car insurance policies...

Can I Pay My Car Insurance with Bitcoin?
Can I Pay My Car Insurance with Bitcoin?
Jan 23, 2017

Unless you’re a whiz of the finance or technology variety, the concept of Bitcoin might still be mostly relegated to...

The Drones Are Coming
The Drones Are Coming
Jul 20, 2016

For the casual observer, drones still exist mostly at extreme ends of the spectrum: either they’re used for (controversial) warfare,...

Cancelled Insurance Policies: Do You Get Refunded?
Cancelled Insurance Policies: Do You Get Refunded?
Oct 28, 2015

At Quoted, we talk a lot about the importance of shopping around for your auto insurance policy—whether you’re combating possible...

Metromile and Uber: An Insurance Solution?
Metromile and Uber: An Insurance Solution?
Jan 29, 2015

We’ve written about Metromile and we’ve written about the insurance gap for rideshare drivers, but this week brought an interesting...

You Should Buy a Car This Week—Or On New Year’s Eve
You Should Buy a Car This Week—Or On New Year’s Eve
Dec 23, 2014

Did you spend your Black Friday sleeping in, deep in a post-turkey coma instead of out fighting the 140-million strong...

Veteran Discounts for Car Insurance
Veteran Discounts for Car Insurance
Nov 11, 2014

2,266,883. That’s the number of troops currently serving at home and abroad in defense of this country. Today is Veteran’s...

How to Switch Car Insurance Companies (Without the Headache)
How to Switch Car Insurance Companies (Without the Headache)
Jul 22, 2014

Maybe a claim wasn’t handled well. Maybe a customer service rep was less-than-polite. Maybe you checked thezebra.com and found that...