21st Century vs. American Family Car Insurance [2021]

When comparing 21st Century vs. American Family its worth noting that 21st Century usually offers lower rates, while American Family offers more discounts. Our guide can help decide which company is best for you by comparing their types of coverage offered, customer service, mobile apps, and more.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • 21st Century auto insurance is offered in California, while American Family is offered in multiple states.
  • 21st Century usually offers lower insurance rates.
  • American Family offers multitple types of insurance, including homeowners insurance.

If you are a resident of California, you have the option of getting insurance through a company called 21st Century. While the option of working with a smaller scale company may be appealing, you might find better car insurance options though a company like American Family.

American Family is an insurance company based out of Wisconsin that offers auto insurance, homeowners insurance, and much more.

It’s worth noting that American Family has higher rates, on average, than 21st Century, however this isn’t always the case.

While 21st Century doesn’t share many of its rates online, we have compared the policies, discounts and more between 21st Century vs. American Family.

Read on for more information on which company is best for you, then easily compare rates by using our comparison tool.

21st Century vs. American Family: Car Insurance Coverage and Options

While 21st Century and American Family offer similar options for full coverage, 21st Century does include 24-hour roadside assistance at no additional charge.

21st Century vs. American Family Standard Coverage

Type of CoverageOffered by 21st CenturyOffered by American Family
CollisionYesYes
ComprehensiveYesYes
LiabilityYesYes
Underinsured and uninsured motoristYesYes
Medical paymentsYesYes
Bodily injuryYesYes
Property damageYesYes
Roadside assistanceYesNo
Get Your Rates Quote Now

Compare RatesStart Now →

Roadside assistance is an add-on for American Family insurance as can be seen in the chart below.

21st Century vs. American Family Coverage Add-Ons

CompanyCoverage Add-Ons
21st CenturyWaiver of collision, Uninsured motorist property damage, rental reimbursement, Additional customized equipment
American FamilyEmergency roadside assistance, rideshare insurance, Rental reimbursement coverage
Get Your Rates Quote Now

Compare RatesStart Now →

Learn about some pros and cons of both companies in the section below and compare rates using our quote box.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

21st Century vs. American Family: Pros and Cons

As mentioned in our introduction, 21st Century does offer lower rates than American Family in most cases. The company will also offer policy options to those with a DUI on their record, which is something many insurance companies don’t do.

All this being said, 21st Century has its cons as well, including that its policies are only offered in California. The company also has limited discounts, including an anti-theft device discount, good student discount, multi car discount, mature driver discount, and superior driver discount.

American Family has received praise from many of its customers and offers a variety of coverage add-ons, including accidental death and dismemberment coverage and GAP insurance. The company also offers plenty of discounts, including auto safety, away from school, good student, and many more.

However, American Family rate can become expensive depending on several factors, including your driving record and age.

21st Century vs. American Family: Comparing Car Insurance Rates

As mentioned above, 21st Century rates aren’t available online so we couldn’t provide an accurate rate comparison, However, you can easily find 21st Century rates by contacting an agent. Learn about the factors that can affect your rates by reading the following sections.

Which is cheapest by state?

As mentioned above, 21st Century auto insurance policies are mostly available in California, so ranking their rates by state wouldn’t apply. However, we have provided the average annual rates offered by American Family in the chart below.

American Family Average Annual Rates by State

StateAmerican Family Annual Rates
Alaska$4,153.07
Colorado$3,733.02
Iowa$3,021.81
Idaho$3,728.79
Illinois$3,815.31
Indiana$3,679.68
Kansas$2,146.40
Minnesota$3,521.29
Missouri$3,286.90
North Dakota$3,812.40
Nebraska$2,215.13
Nevada$5,441.18
Ohio$1,515.17
Oregon$3,527.28
South Dakota$4,047.47
Texas$4,848.72
Utah$3,698.77
Washington$3,713.02
Wisconsin$1,513.27
Median$3,698.77
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, insurance rates can vary depending on where you live. The best way to find out the rates in your area is to contact a local agent.

Which is cheapest by driving record?

Insurance companies often base their rates on many incidents you have on your driving record. Drivers with multiple incidents can expect high-risk insurance rates.

American Family Average Annual Rates Based on Driving Record

GroupAmerican Family Annual Rates
Clean Record$3,819.90
One Accident$4,987.68
One DUI$6,260.73
One Speeding Ticket$4,483.51
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, one DUI caused a huge increase in annual rates from American Family.

Which is cheapest by age and gender?

Another determining factor for insurance rates by age and gender, however, several states prohibit insurance companies from factoring gender into your insurance rates. These states are California, Hawaii, Massachusetts, Pennsylvania, North Carolina, and Montana.

American Family Average Annual Rates by Demographic

GroupAmerican Family Annual Rates
Single 17-year-old female$5,996.50
Single 17-year-old male$8,130.50
Single 25-year-old female$2,288.65
Single 25-year-old male$2,694.72
Married 35-year-old female$2,202.70
Married 35-year-old male$2,224.31
Married 60-year-old female$1,992.92
Married 60-year-old male$2,014.38
Get Your Rates Quote Now

Compare RatesStart Now →

When age and gender do play a role in your rates, 17-year old males often receive the highest. According to the Insurance Information Institute, teen drivers have a higher crash risk.

Which is cheapest by credit score?

If you have a good credit score, then you can expect to pay lower rates. Factoring premiums by credit level is something most auto insurance companies do. Take the rates offered through American Family for example.

American Family Average Annual Rates by Credit Score

Credit ScoreAmerican Family Average Annual Rates
Fair$3169.53
Good $2691.74
Poor$4467.98
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, those with a good credit score pay much less.

Which is cheapest by annual mileage?

Your commute can affect how much you pay in car insurance. The chart below compares those that drive 6000 miles a year to those that drive 12,000.

American Family Average Annual Rates by Commute Distance

Commute DistanceAmerican Family Rates
10 miles commute/ 6,000 annual mileage$3401.30
25 miles commute/ 12,000 annual mileage$3484.88
Get Your Rates Quote Now

Compare RatesStart Now →

With American Family, there isn’t a vast difference in rates depending on your commute.

Compare rates from top companies in your area by inputting your ZIP code into the box below.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Which is cheapest by car make and model?

Older cars often come with lower insurance rates. Check out the chart below for a comparison of different vehicles and their rates from American Family.

American Family Average Annual Rates Based on Make and Model

Make and ModelAmerican Family Annual Rates
2015 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$3,447.30
2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$3,178.82
2015 Toyota RAV4: XLE$3,326.18
2018 Ford F-150: Lariat SuperCab with 2WD 6.5 foot bed and 2.7L V6$3,487.91
2018 Honda Civic Sedan: LX with 2.0L 4cyl and CVT$3,721.32
2018 Toyota RAV4: XLE$3,496.99
Get Your Rates Quote Now

Compare RatesStart Now →

Based on the chart, the 2015 Honda Civic Sedan: LX with 2.0L 4cyl and CVT comes with the lowest rates.

Which is cheapest by coverage level?

Based on how much coverage you receive, you could be entitled to lower rates.

American Family Average Annual Rates Based on Coverage Level

Coverage LevelAmerican Family Average Rates
High$3,416.40
Low$3,368.49
Medium$3,544.37
Get Your Rates Quote Now

Compare RatesStart Now →

Contact American Family or 21st Century to see exactly how much you could save.

What are their financial ratings?

Both American Family Insurance and 21st Century had good scores with top financial rating companies, which can be seen in the chart below.

21st Century vs. American Family Financial Ratings

Financial Rating Company21st CenturyAmerican Family
AM BestAA
Better Business BureauA+A+
JD PowerN/A3 stars
Moody'sN/AA1
Standard and PoorBBB+A
Get Your Rates Quote Now

Compare RatesStart Now →

While 21st Century didn’t receive ratings from several companies, they did well with the companies that did rate them.

This video goes over AM Best ratings.

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

Both companies have their positives and negative, so it all boils down to what your exact auto insurance needs are. 21st Century might be better if you’re looking for cheaper rates, however, American Family does offer more discounts and has more reviews available online.

American Family even appeared on our list of the best car insurance companies in 2020.

Both companies offer mobile apps that can make paying your bill and checking on your policy quite easy.

If you’d like to compare rates from other top companies, then use our comparison tool below.

Leave a Reply

Sending

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State