USAA vs 21st Century Car Insurance

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

Selecting a car insurance company is complex: rates vary based on your driving record, location, and age, and companies offer an array of perks. USAA and 21st Century are two of America's most popular car insurance companies, providing competitively priced coverage in many states.

To simplify the process of comparing insurance companies, we pulled average prices from 21st Century and USAA. The below cover an array of pricing components, including credit score, driving history, and age. Examine these figures and find the right policy for you.


Compare USAA vs. 21st Century auto insurance rates


USAA vs. 21st Century: pricing by credit score

If you have very poor credit, 21st Century could be the way to go. On average, 21st Century offers lower premiums than USAA for drivers with credit scores of less than 580. Drivers with excellent credit — a score of 800 or higher — should consider USAA, which typically beats 21st Century by $523 per year. View typical insurance rates by credit tier for 21st Century and USAA below.


CREDIT SCORE INSURANCE RATE COMPARISON: 21st Century VS. USAA
Credit levelUSAA avg. annual premium21st Century avg. annual premium
Very Poor (300-579)$2,682$1,363
Fair (580-669)$1,247$1,363
Good (670-739)$1,057$1,657
Very Good (740-799)$910$1,363
Exceptional (800-850)$840$1,363

USAA vs. 21st Century: high-risk insurance rate comparison

If you're dealing with an at-fault crash, speeding violation, reckless driving citation, or DUI offense in your recent history, USAA could be a better choice than 21st Century. Every auto insurance company prices its policies differently, so it's worth comparing quotes to figure out which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: 21st Century VS. USAA
ViolationUSAA avg. annual premium21st Century avg. annual premium
At-fault accident (damage < $1,000)$1,304$2,440
At-fault accident (damage > $1,000)$947$1,273
DUI/DWI$1,952$3,949
Reckless driving$1,472$3,949
Speeding ticket$1,124$1,781

USAA vs. 21st Century: rates by age bracket

Insurance companies use age to estimate risk, pricing premiums accordingly. Auto insurance is often more expensive for teen drivers — due to their increased odds of being involved in an accident — and more affordable for middle-aged drivers. Because each insurance company prices age tiers differently, it's wise to compare rates and find a suitable policy.

As a general rule, teen drivers should choose USAA over 21st Century: USAA offers average yearly savings of $2,369 versus21st Century.


RATES BY AGE BRACKET: 21st Century VS. USAA
Age bracketUSAA avg. annual premium21st Century avg. annual premium
Teens$2,864$5,233
20s$1,261$1,795
30s$963$1,795
40s$957$1,313
50s$889$1,244
60s$845$1,117

Setting aside cost, there are myriad pros and cons of both USAA and 21st Century, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to weigh these elements before deciding.

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 QuestionsCan my brother use his insurance for damage he caused to my vehicle?

I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...

Agree 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?...

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. SafeAuto 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. 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. SafeAuto 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 TexasCalifornia
Additional Resources:

USAA vs 21st Century

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