21st Century vs. Country Financial Car Insurance [2021]

Country Financial and 21st Century offer competitive car insurance rates and coverage. Discounts from both 21st Century and Country Financial are readily available to good drivers. When comparing 21st Century vs Country Financial, the state you need coverage in will likely determine which company will best work for you.

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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: Jan 26, 2021

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Here's what you need to know...

  • Both companies offer competitive rates for basic insurance.
  • Your available rates and coverage will vary widely depending on which state you live and drive in.
  • Discounts, quality customer service, and user-friendly apps are standard for both insurance carriers.

Knowing what you want out of a car insurance policy is the first step when it comes to choosing the best carrier. If you’ve got it narrowed down to 21st Century vs Country Financial, there are a few things to keep in mind.

Consumers have more access to information than ever before and can truly weigh options in order to make the most informed decision possible. The best auto insurance companies are transparent in what they tell their potential customers.

Both 21st Century and Country Financial are upfront with what they offer and what they don’t. If you’re ready to see policy prices and details, you can get started by using our quote tool to compare rates and coverage today.

Where can I buy Country Financial and 21st Century Insurance?

The answer to that might very well depend on where you live. 21st Century is a subsidiary of Farmers Insurance and only offers insurance to drivers in California.

Country Financial is also on the smaller end of the insurance carrier scale, but with coverage in 19 states, it has a much wider network than 21st Century. California is not one of the 19 states covered by Country Financial.

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Does Country Financial or 21st Century have better insurance?

Coverage and cost are the two most important parts of choosing the right insurance provider. Both Country Financial and 21st Century offer good coverage options, with bodily injury and property damage as part of their standard policies.

Collision, the type of insurance that covers your car when you get in a collision with another vehicle, can supplement policies with either carrier for an added cost. The same goes for comprehensive coverage, which is insurance that provides relief from theft, natural disasters and other accidents.

Both companies offer an easy to use app and have high marks in customer service, though 21st Century comes standard with roadside assistance and Country Financial does not.

You can find additional policy information and details at our 21st Century car insurance review as well as our Country Car insurance review.

Do Country Financial and 21st Century have discounts on coverage?

Take a look at the discounts highlighted to see if you could get additional savings on your car insurance premiums.

21st Century

  • Switch and Save — Those who switch from old providers save an average of $371.
  • Good Driver — Good drivers can save 20 percent or more on policies.
  • Superior Driver — Drivers who move from “good” to “superior” can earn additional savings of 10-20 percent.
  • Good Student — Students proving good grades can save up to 15 percent.
  • Mature Driver — Senior drivers enjoy a 2 percent savings.
  • Antitheft — Get up to 15% off for having an antitheft device on your vehicle.
  • Multiple Policies — Bundle multi-vehicle or multi-type policies for more money off. Your savings rates will depend on the policy type.

Country Financial

  • Good Driver — There are discounts for drivers who qualify for their good driver program.
  • Defensive Driver — Save even more money by taking a defensive driving class.
  • Multi-Policy — Bundle auto insurance with another type of policy to get lower premiums on each.
  • Multi-Car — Adding all your cars to the same plan can lower your bill.
  • Occupational — Full-time firefighters, police officers, teachers, EMTs and paramedics all can get a discount on their policies.

If you qualify for enough of the following discounts, they could add up to equal substantial savings.

Compare 21st Century and Country Financial Quotes Today

Overall, both 21st Century and Country Financial rank well for customer satisfaction. In fact, J.D. Power, an independent market research company, listed Farmers (of which 21st Century is a subsidiary) as one of the top companies for customer satisfaction in California.

Your driving habits, type of vehicle, age and state of residence can all affect what kind of prices you’re offered on car insurance.

Compare policies from Country Financial and 21st Century by entering your zip code in our free tool and get a quote today.

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