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USAA vs 21st Century
Car Insurance

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.
USAA Car Insurance 21st Century Car Insurance

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USAA Car Insurance 21st Century Car Insurance

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Discount Comparison USAAvs. 21st Century
Discount Comparison USAAvs. 21st 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
New Vehicle
Annual Mileage
Ratings Comparison USAAvs. 21st Century
Financial Strength Superior Excellent
JD Power Rankings

5 out of 5

2 out of 5

User Satisfaction
Other Features USAAvs. 21st Century

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.
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States Offered

The financial strength rating, categorized from Poor to Superior, is an independent assessment of a company's financial strength and a company’s ability to meet their ongoing insurance obligations when it comes to things like paying claims.

The J.D. Power rating, scored from 2 to 5, is an independent measure of customer satisfaction around the handling of claims. A higher J.D. Power Rating is a good indicator that a carrier will treat you well should something go wrong.

The User Satisfaction rating, graded from F to A+, is the Better Business Bureau’s assessment of how well the business is likely to interact with its customers, and is based on multiple factors including customer complaints and transparent business practices.