21st Century vs. AAA Car Insurance [2021]

Drivers having trouble deciding between 21st Century vs. AAA should know that while AAA is a better-known company, 21st Century is under Farmers insurance. When comparing car insurance rates between 21st Century and AAA, though, AAA generally has cheaper rates. However, both companies sell insurance in all 50 states, and both AAA insurance and 21st Century insurance have plenty of discounts that can help drivers save.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Oct 13, 2021

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Here's what you need to know...

  • 21st Century Insurance is backed by Farmers insurance, one of the top insurance companies in the U.S.
  • AAA is well known for its roadside assistance such as towing and minor repairs, but it also sells car insurance
  • When comparing 21st Century vs. AAA, AAA is usually the better option for its cheaper prices and different insurance types that allow for bundling discounts

Choosing between two companies when it comes to purchasing an insurance policy can be hard. We know you want affordable car insurance, and if you are struggling to pick between 21st Century vs. AAA, this guide is for you.

We will compare multiple factors between the two companies in car insurance comparison charts, such as discounts and ratings, to help you pick the company and auto policy that will be right for you.

Whether you are shopping for AAA or 21st Century insurance premiums, use our free tool above to shop for the best car insurance quotes in your area from multiple companies.

If you are not yet ready to buy car insurance, read our guide to learn more about your options.

What are the 21st Century vs. AAA car insurance rates?

Which company is best for you? If the price is a concern for you, then take a look at the rate comparison of the two companies below. Keep in mind that it does also depend on the types of coverage that you wish to carry on your policy as well as some of the other factors that companies look into.

We got quotes for a 40-year-old male driver who owns a 2020 Honda Accord, lives in Pennsylvania, has a clean driving record, and travels an average of 13,000 miles a year. This way, you can see how the companies’ rates compare for the same type of driver.

21st Century vs. AAA Rates
21st Century vs. AAA Rates for Standard CoverageAverage 6-Month Car Insurance RatesAverage Monthly Car Insurance Rates
21st Century $1,483.98$247.33
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As you can see, 21st Century’s rates are much more expensive, even though both insurers cover the following:

  • Bodily Injury: $15,000/$30,000
  • Property Damage: $50,000
  • Medical Benefits: $5,000
  • Comprehensive: $1,000
  • Collision: $1,000

Before you automatically head over to AAA, it’s important to note that these are sample rates.

Just because a company is cheaper for one age group doesn’t mean it’s the cheapest for another age or driving record background. The only way to know for sure which company is cheaper is to get personalized quotes from each one. Some companies may have minimum requirements set if you’re of a certain age, or they may require additional coverage if you’ve been in any sort of accident in the past. A clean record is generally going to see lower insurance costs in this case.

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Which company has better discounts, AAA or 21st Century?

While 21st Century may be more expensive, it is important to also check car insurance discounts, as these can reduce costs. Take a look at the table below to see which discounts are available at AAA and 21st Century.

21st Century vs. AAA Car Insurance Discounts
Car Insurance Discounts21st Century Car Insurance DiscountsAAA Car Insurance Discounts
Anti-lock BrakesYes Yes
Anti-TheftYes Yes
Claim FreeYes Yes
Continuous CoverageYes Yes
Daytime Running LightsYes Yes
Defensive Driver5%Yes
Distant StudentNo Yes
Driver's EdYes Yes
Driving Device/AppNo Yes
Early SigningYes No
Full PaymentNo Yes
Good StudentYes Yes
Green VehicleYes No
HomeownerYes Yes
Low MileageNo Yes
MarriedNo Yes
Membership/GroupNo 7%
Multiple PoliciesYes Yes
Multiple VehiclesYes Yes
Newer VehicleYes Yes
Non-Smoker/Non-DrinkerYes No
Passive RestraintYes Yes
Safe DriverYes Yes
Senior DriverYes No
Switching ProviderYes No
Vehicle RecoveryYes Yes
Young DriverYes No
Total Discounts Available 2121
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Both companies are tied to the number of total discounts they offer. They both offer important discounts like safe driving discounts, which can usually save drivers anywhere from ten to twenty percent on their auto insurance rates. It never hurts to call and ask if your driving habits could net you some form of discount.

What states are they available in?

21st Century sells insurance in 50 states and Washington, D.C. AAA also sells insurance in all 50 states.

This is a plus for both companies, as it means you can keep your insurer when you move. However, your rates may go up or down depending on what state you move to.

What are some of the 21st Century vs. AAA optional car insurance coverages?

Now that we’ve covered rates and discounts, it is important to also look at what coverages are offered by each provider. The last thing you want is to sign up with a company that has cheap rates but leaves you open to high accident bills because of its spotty coverage.

While both insurers offer the standard coverages (liability, collision, and comprehensive), optional coverages may not be available at both companies.

To see what coverages are offered at each company, take a look at the table below.

21st Century vs. AAA Coverages
21st Century vs. AAA Optional Coverages 21st Century Car Insurance CoveragesAAA Car Insurance Coverages
Accidental Death or Dismemberment Insurance Yes Yes
Accident ForgivenessNo Yes
Classic Car Insurance Yes Yes
Gap InsuranceYes Yes
Glass Coverage Yes Yes
Mechanical Breakdown Insurance Yes Yes
New Car Replacement Coverage No Yes
Roadside Assistance Yes Yes
Rental Reimbursement Yes Yes
Umbrella Insurance Yes Yes
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21st Century does not have accident forgiveness, which is a negative. Because accident forgiveness programs forgive drivers their first at-fault accident, meaning rates won’t go up, this program can save drivers hundreds to thousands of dollars after an accident.

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What other insurances are offered?

Because bundling discounts can save drivers money on car insurance, it is sometimes more economical to have multiple policies at an insurer. It also makes it easier to keep track of your policies.

However, 21st Century only offers car insurance. This means that there will be no bundling discounts. In comparison, AAA offers the other types of insurance listed below:

  • Home insurance
  • Renter’s insurance
  • Life insurance
  • Small business insurance
  • Travel insurance

With AAA, you can bundle these policies to keep all your major policies at one company and save with a bundling discount. When it comes to the variety of insurance offered, AAA is the better option.

What are the 21st Century vs. AAA ratings?

So what are others saying about AAA versus 21st Century? We’ve compiled ratings from some of the top judges to see how the two compare.

21st Century vs. AAA Ratings
21st Century vs. AAA Ratings Type of RatingAAA Ratings21st Century Ratings
A.M. Best FinancialA+ A
Better Business Bureau Business practicesA+Not Accredited
ConsumerAffairsCustomer reviews3.9 out of 5 1.6 out of 5
J.D. Power Claims satisfaction 866/1,000872/1,000
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21st Century is not yet BBB accredited, which means the BBB has not yet reviewed 21st Century insurance. BBB ratings are based on “the BBB’s opinion of how the business is likely to interact with its customers.”

Both companies are in strong financial standing, though, which is fantastic. It means both companies are able to fulfill their financial obligations, such as paying claims, without damaging the companies’ finances.

You probably noticed that both companies received poor overall ratings from a consumer review site. However, these ratings are only based on a few hundred customer reviews.

Compared to the overall number of customers, these disgruntled customers only make up a tiny percentage. And since angry customers are more likely to post reviews than happy customers, these ratings shouldn’t be taken too seriously.

What are 21st Century and AAA mobile apps?

Technology can make or break a company. If a company’s mobile app is filled with glitches, you might drop the company out of frustration.

Let’s start with AAA’s mobile app. The app’s overall rating on Apple is 4 out of 5 stars (based on almost 15 thousand ratings). On the app, you can do all of the following:

  • Find  AAA-approved hotels and restaurants
  • Book hotels and rental cars
  • Get member discount offers
  • Find AAA car repair shops
  • Find AAA office locations
  • Ask for roadside assistance
  • Access AAA membership card

So what’s missing? Well, you won’t be able to pay your AAA car insurance bills from the app or check your coverage levels. This can be an issue for people who want to access every aspect of their policy in one place.

What about 21st Century? This app has a 3.3 out of 5-star rating on Apple (based on less than 10 reviews). However, users can accomplish more on the 21st Century app than the AAA app, such as:

  • Pay bills
  • View policy information
  • Access ID cards
  • Call roadside assistance
  • Contact a service representative

When it comes to technology, 21st Century definitely has the better choice of app for your mobile device.

So which is better, 21st Century or AAA? As far as price, AAA is the better choice. AAA also has accident forgiveness, which can save drivers even more.

However, 21st Century does have a decent amount of discounts, and its financial ratings are as strong as AAA’s, although AAA has better consumer reviews.

Seeing as 21st Century is a smaller company, though, so the negative consumer reviews make sense. Regardless of which company you decide on, speak with an insurance agent first to find out whether or not they offer top-notch customer service.

Ultimately, it is up to you to decide what company is better for you. When comparing the two, however, AAA does come out ahead as the overall more well rounded auto insurance company.

Whether you want AAA insurance or 21st Century for your insurance provider, use our free tool below to find the best car insurance rates in your area. Which car insurance company is for you? It all comes down to prices and coverage options. Find out now who is the best fit for your auto insurance policy by looking into some auto insurance quotes online.

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