21st Century vs. Ameriprise Car Insurance [2021]

If you are in California and comparing 21st Century vs. Ameriprise, you will find that 21st Century usually offers lower rates, while Ameriprise Insurance has a larger network of agents. Ameriprise ratings and 21st Century ratings are similar. While neither company shares their rates online, average monthly rates in the United States are $79.58.

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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...

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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: Jan 22, 2021

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Here's what you need to know...

  • 21st Century offers policies mostly in California.
  • Ameriprise Insurance is operated through Costco and has a large network of agents.
  • Both companies have high financial ratings and mixed reviews.

So, you’ve considered other auto insurance options and come down to 21st Century vs. Ameriprise. Both companies offer many different auto insurance policy options that can fit almost anyone’s needs, but which company is better?

This all can depend on your exact needs and wants. Ameriprise Auto Insurance is currently offered through Costco Stores and offers policies in multiple states, while 21st Century mostly operates in California. While their average monthly car insurance rates are hard to find online, both companies consider similar factors when determining your premium.

It’s worth noting that Ameriprise can be found under a different name. The Ameriprise Insurance new name is Connect. Connect Insurance reviews go hand-in-hand with Amerprise’s.

For more information on both companies and their benefits, keep reading our guide. To compare rates from other top companies, use our comparison tool by filling in your ZIP code.

21st Century vs. Ameriprise: Pros and Cons

Each company has their strengths and weaknesses. For example, Amerprise Costco Car Insurance is often praised for the number of discounts it offers and its customer service, though it doesn’t offer many mobile tools. You will have to contact an Amerprise agent in order to make a claim.

An Ameriprise Insurance login is available with some mobile features. Ameriprise accident forgiveness is also available at no additional cost.

A complaint that many people have about 21st Century is that their policies are only offered in a few areas. Some like that the company is more localized, though. Additionally, with 21st Century’s app, you can easily pay bills and file claims.

For more information about 21st Century and Ameriprise’s available policies, keep reading.

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21st Century vs. Ameriprise: Car Insurance Coverage and Options

There are many different types of car insurance coverage policies out there. 21st Century and Ameriprise/Connect Insurance offer similar insurance policies as can be seen in the chart below.

21st Century vs. Ameriprise Coverage Offered

Type of CoverageOffered by 21st CenturyOffered by Ameriprise
CollisionYesYes
ComprehensiveYesYes
LiabilityYesYes
Underinsured and Uninsured MotoristYesYes
Medical PaymentsYesYes
Bodily InjuryYesYes
Property DamageYesYes
Roadside AssistanceYesNo
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While both companies offer similar policies, they do have some major differences. For example, 21st Century Insurance offers roadside assistance with their basic policies.

Additionally, 21st Century offers SR22 insurance, which is needed for those that have driving violations on their record. These violations can include a DUI, reckless driving, an at-fault accident, and more.

What discounts do they offer?

Both companies offer a number of excellent discounts, which can be seen in the chart below.

21st Century vs Ameriprise Discounts Offered
Discounts21st CenturyAmeriprise
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Vehicle Recoveryxx
Newer Vehiclex
Green Vehiclex
Claim Freexx
Continuous Coveragex
Defensive Driverxx
Distant Studentx
Driver's Edx
Early Signingx
Full Paymentx
Further Educationx
Garaging/Storingx
Good Studentxx
Homeownerx
Loyaltyx
Membership/Groupx
Multiple Policiesxx
Multiple Vehiclesxx
Non-Smoker/Non-Drinkerx
Passive Restraintx
Roadside Assistancex
Safe Driverxx
Senior Driverx
Switching Providerx
Young Driverx
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This video from Shine Insurance goes over some of the most common car insurance discounts.

If you find yourself put off by high rates, be sure to also consider how discounts can lower them.

21st Century vs. Ameriprise: Comparing Car Insurance Rates

As with most auto insurance companies, 21st Century and Ameriprise both factor in several similar things when determining your rates, including your age, your driving record, the state in which you live, and more.

While neither company provides their rates online, you can easily find them out by contacting a local agent. Additionally, we have provided an example of average car insurance rates by state in the chart below.

Average Monthly Car Insurance Rates by State
StateAverage Monthly Car Insurance Rates
Alabama$56.50
Alaska$80.17
Arizona$77.17
Arkansas$57.75
California$70.42
Colorado$68.92
Connecticut$82.58
Delaware$85.67
Washington D.C.$98.50
Florida$88.58
Georgia$65.33
Hawaii$70.25
Idaho$48.58
Illinois$61.92
Indiana$54.75
Iowa$46.25
Kansas$49.17
Kentucky$62.50
Louisiana$89.67
Maine$53.67
Maryland$78.75
Massachusetts$92.75
Michigan$77.58
Minnesota$65.92
Mississippi
$62.08
Missouri$57.08
Montana
$57.08
Nebraska$51.75
Nevada
$81.92
New Hampshire$66.00
New Jersey
$98.67
New Mexico$60.58
New York
$93.50
North Carolina$50.17
North Dakota$46.17
Ohio$55.75
Oklahoma$56.50
Oregon$61.42
Pennsylvania$70.75
Rhode Island$88.25
South Carolina$62.75
South Dakota$47.08
Tennessee$54.92
Texas$70.42
Utah$58.83
Vermont$58.25
Virginia$58.17
Washington$70.00
Wisconsin$51.25
Wyoming
$53.25
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As you can see, there may a great difference in rates depending on where you live.

Ratings and Customer Satisfaction

Ratings and reviews can be an important thing to consider when trying to determine which insurance company works best for you. Below, we have compiled ratings from top financial rating companies as well as consumer reports.

What are their financial ratings?

The chart below features Ameriprise financial reviews and 21st Century financial reviews from A.M. Best, the Better Business Bureau, Standard and Poor, and Moody’s.

21st Century vs. Ameriprise Financial Ratings

Financial Rating Company21st CenturyAmeriprise
Better Business BureauA+A+
AM BestAA
Standard and PoorBBB+A
Moody'sN/AA3
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The chart above shows that 21st Century and Ameriprise both have similar ratings when it comes to the financial side of things. To see how customer s have rated them, read on.

How do customers rate them?

Reviews of both companies are fairly mixed, depending on which review site you look at. There are no consumer reports ratings available for 21st Century, however, we have provided Ameriprise ratings in the chart below.

Ameriprise Consumer Reports Rating

CategoryRating
Excellentase of Reaching an AgentVery Good
Simplicity of the ProcessVery Good
Promptness of ResponseVery Good
Damage AmountVery Good
Agent CourtesyVery Good
Timely PaymentVery Good
Freedom to Select Repair ShopVery Good
Being Kept Informed of Claim StatusGood
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As you can see, Amerprise rated “very good” in most categories for Consumer Reports.

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

If you are living in the state of California, you will find that 21st Century offers some of the lowest rates available. They also offer auto insurance to those with DUIs and other driving violations on their record, which many insurance companies will not do.

That being said, Ameriprise is a reputable company that offers options all over the country. Additionally, Ameriprise Insurance through Costco has a large network of agents, making it easy to file a claim or get information.

When trying to choose the right insurance company you must determine what is more important to you. Are rates more important? Or is it customer service? Considering things like this will assure that you will pick the right company.

If you are looking to compare rates from top companies in your area, then be sure to enter your ZIP code into our quote box below.

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