21st Century vs. Allstate Car Insurance [2021]

While 21st Century usually offers lower rates, there are other things to consider when comparing 21st Century vs. Allstate insurance. 21st Century is only offered in California, while Allstate is offered in multiple states and is one of the top car insurance companies. Allstate's rates can be around $4,000 annually. Use our comparison tool to easily get car insurance quotes.

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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: May 26, 2021

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Here's what you need to know...

  • Allstate is offered in many states, while 21st Century operates mostly in California.
  • Both companies offer 24/7 customer service.
  • Both offer similar policies with basic coverage; however, 21st Century provides roadside assistance at no additional charge.

When comparing 21st Century vs. Allstate, it is important to look at each company’s policies offered, discounts, and rates.

Allstate is a large insurance company is offered nationwide, while 21st Century is only offered in California. Allstate also appears on our list of the best car insurance companies.

However, you may find it preferable to work with a more localized company, especially since 21st Century usually offers lower rates.

While 21st Century doesn’t make many of their auto insurance rates avialable online, we have provided Allstate’s data and provided plenty of information on how 21st Century determines its rates.

Are you ready to buy car insurance? Read our guide, then compare rates from top car insurance companies by using our comparison tool.

Car Insurance Coverage and Options

Depending on where you live, coverage options can differ; however, both Allstate and 21st Century offer similar options for standard coverage.

21st Century vs. Allstate Coverage

Type of CoverageOffered by 21st CenturyOffered by Allstate
Underinsured and Uninsured MotoristYesYes
Medical PaymentsYesYes
Bodily InjuryYesYes
Property DamageYesYes
Roadside AssistanceYesNo
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That being said, 21st Century does include roadside assistance with its standard coverage, while Allstate has roadside assistance as an additional type of coverage.

21st Century vs. Allstate: What discounts do they offer?

Both 21st Century and Allstate offer a series of car insurance discounts, which can be seen in the chart below.

Car Insurance Discounts Offered by Allstate and 21st Century
Discounts21st CenturyAllstate
Adaptive Cruise Control
Adaptive Headlights
Anti-lock Brakesxx
Daytime Running Lightsxx
Electronic Stability Control
Utility Vehicle
Vehicle Recoveryxx
VIN Etching
Lane Departure Warning
Newer Vehiclexx
Green Vehiclexx
Forward Collision Warning
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentx
Driver's Edxx
Driving Device/Appx
Early Signingxx
Emergency Deployment
Engaged Couple
Family Legacy
Family Plan
Farm Vehiclex
Fast 5
Federal Employee
Full Paymentx
Further Education
Good Credit
Good Studentxx
Life Insurancex
Low Mileagex
Military Garaging
Multiple Drivers
Multiple Policiesxx
Multiple Vehiclesx
New Address
New Customer/New Plan
New Graduate
Newly Licensed
Occasional Operator
On Time Paymentsx
Online Shopper
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintxx
Recent Retirees
Roadside Assistance
Safe Driverxx
Seat Belt Use
Senior Driverxx
Stable Residence
Students & Alumni
Switching Providerx
Young Driverx
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All these discounts can help lower your rates exponentially. Be sure to contact an agent and see which discounts are available in your area.

This video from Shine Insurance goes over some of the most popular discounts.

It’s worth noting that a 21st Century COVID discount was available in May and you may want to inquire about it if you have a policy with them.

21st Century vs. Allstate Customer Service

21st Century insurance and financial services are both offered through the company. They provide 24/7 customer service through their website and several different phone numbers.

With 21st Century customer service, you can ask questions about policies, cancel 21st Century auto insurance, and more.

Allstate also offers 24/7 insurance and can be accessed using their mobile app.

21st Century vs. Allstate: What are their financial ratings?

We have provided the financial ratings from several top rating companies in the chart below. Financial companies provided include Moody’s, the Better Business Bureau, S&P, and A.M. Best.

21st Century vs. Allstate Financial Ratings

Ratings Website21st Century InsuranceAllstate
A.M. BestA (Excellent)A+ (Superior)
Better Business BureauA+A+
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As you can see, both Allstate and 21st Century did well with financial ratings.

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Comparing Car Insurance Rates

There are many things that come into play when determining car insurance rates, including your age, the state in which you live, and more. We cover many of these factors below.

21st Century doesn’t provide rates online, but we have provided Allstate rate examples.

Which is cheapest by state?

Your state can be a huge determining factor when it comes to car insurance rates. In the chart below, you can see examples of Allstate’s rates in different states.

Allstate Average Annual Rates by State
StateAllstate Average Rate
Alaska $3,145.31
District of Columbia$4,439.24
Mississippi $3,664.57
North Carolina$3,393.11
North Dakota$4,165.84
New Hampshire$3,151.77
New Jersey$5,515.21
New Mexico$3,463.64
New York$4,289.88
Rhode Island$5,003.36
South Carolina$3,781.14
South Dakota$3,982.27
West Virginia$2,595.36
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Currently, the most expensive rates offered by Allstate are in the state of Delaware. Information on insurance in your state can be found on the National Association of Insurance Commissioners website.

Which is cheapest by driving record?

Your driving record can also greatly affect your auto insurance rates. In most cases, the better your driving record, the better rates you will recieve.

Rates with One Speeding Ticket

Even one speeding ticket can cause an increase in car insurance rates. In the chart below, we have provided examples of the different rates offered by Allstate in the event you have a clean record, a record with one accident, a record with a DUI, or a record with a speeding violation.

Allstate Average Annual Rates by Driving Record

Driving Record GroupAllstate Annual Rates
Clean Record$3,819.90
With One Accident$4,987.68
With One DUI$6,260.73
With One Speeding Violation$4,483.51
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As you can see, the greatest increase in rates came with the driving record that showed a DUI.

Which is cheapest by age and gender?

Your age can come into play when determining rates with most car insurance companies; however, your gender doesn’t always.

Many states have banned car insurance companies from factoring gender into rates, including California, Hawaii, Massachusetts, Pennsylvania, North Carolina, and Montana.

Allstate Average Annual Rates by Age and Gender

Married 35-year-old female$3,156.09
Married 35-year-old male$3,123.01
Married 60-year-old female$2,913.37
Married 60-year-old male$2,990.64
Single 17-year-old female$9,282.19
Single 17-year-old male$10,642.53
Single 25-year-old female$3,424.87
Single 25-year-old male$3,570.93
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In most cases, a younger driver will have to pay more in insurance rates; however, there are many discounts available, including the good student discount.

Which is cheapest by credit score?

It goes without saying that those with good credit scores usually pay less for car insurance. See how greatly these rates can differ in the chart below.

Allstate Average Annual Rates by Credit Score

GroupAllstate Annual Rates
Fair $4581.16
Good $3859.66
Poor $6490.65
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With Allstate, there is an over $2,000 difference in rates between those with a good credit score and those with a poor one.

21st Century vs. Allstate: Which company is the best?

While each company has its pros and cons, Allstate and 21st Century are both solid auto insurance companies with plenty to offer.

If you are looking for lower rates, especially in California, chances are 21st Century will offer you the best price. However, some like the convenience of working with a larger company such as Allstate.

Additionally, Allstate allows you to bundle your auto insurance and is considered by some to be one of the best home insurance companies.

We can compare rates from top companies including USAA car insurance, GEICO, Progressive insurance, and more. Just fill out your ZIP code in the quote box below to get started finding affordable car insurance.

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