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.
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 level||USAA avg. annual premium||21st Century avg. annual premium|
|Very Poor (300-579)||$2,682||$1,363|
|Very Good (740-799)||$910||$1,363|
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.
|Violation||USAA avg. annual premium||21st Century avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$2,440|
|At-fault accident (damage > $1,000)||$947||$1,273|
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.
|Age bracket||USAA avg. annual premium||21st Century avg. annual premium|
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 Comparison||USAA||21st Century|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||21st Century|
|JD Power Rankings||5 out of 5||3 out of 5|
|Other Products||USAA||21st Century|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||21st Century|
|About||USAA 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 Assistance||24-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 Discounts||USAA 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 Questions||Can my brother use his insurance for damage he caused to my vehicle?|
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|Can I group multiple accidents into one claim?|
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|Compare More||USAA 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. Travelers||21st 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 Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas|
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