21st Century vs. GEICO Car Insurance [2021]

GEICO and 21st Century both rank highly for customer satisfaction and have user friendly tools. Lots of discounts, solid coverage and good customer service are standard with both GEICO insurance and 21st Century. If you're looking into 21st century vs GEICO car insurance, the state you live in may make a difference.

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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: Feb 11, 2021

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Here's what you need to know...

  • There are lots of available discounts from both insurance providers.
  • GEICO’s coverage map is much larger than 21st Century’s.
  • 21st Century and GEICO both offer perks like roadside assistance and user-friendly apps.

Searching for the right car insurance doesn’t have to turn into a chore. If your research has led you to decide between 21st Century vs GEICO for your car insurance, take some time to consider the pros and cons of each car insurance provider.

21st Century and GEICO rank among the nation’s best auto insurance companies. You can compare car insurance quotes by using our free quote tool.

How big are GEICO and 21st Century’s coverage maps?

GEICO is the second-largest car insurance provider in the country, which is reflected by its coverage map. GEICO insurance covers drivers in all 50 states as well as D.C.

21st Century is a smaller branch of Farmers insurance and only available to drivers in California. Depending on where you need insurance, your choice may be more limited.

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Differences in Coverage between 21st Century and GEICO

GEICO and 21st Century are very different sizes, and the kinds of coverage they offer reflect that. If you need basic coverage at a low rate, 21st Century may be a good choice, while GEICO offers many additional coverage options for divers who may need them.

A basic policy from 21st Century insurance comes standard with property damage, bodily injury and roadside assistance. Drivers can upgrade to buy policies that include comprehensive and collision coverage.

GEICO offers all that 21st does plus more options you won’t find from all providers. GEICO car insurance has Rideshare insurance, which covers those who drive for companies like Uber, GrubHub, Lyft and Instacart.

GEICO also has Mechanical Breakdown coverage which helps cover any issues that come to the mechanical parts of a new vehicle under a certain mileage threshold.

Both 21st Century and GEICO have apps that are easy to navigate and great customer service. For more detailed information, visit our 21st Century car insurance review and find out what car insurance coverage and deductible options GEICO offers.

What kind of discounts can I get from 21st Century and GEICO?

See the following lists for information on some of the discounts offered.

21st Century:

  • Antitheft — Save 15 percent with a qualifying antitheft device
  • Mature Driver — Older drivers can save 2 percent
  • Good Driver — 20 percent off or more if you qualify for 21st’s good driver status
  • Good Student — Get a 15 percent reward for getting good grades
  • Superior Driver — Get the “Good Driver” savings plus an additional savings of 10-20 percent
  • Switch Providers –– Save an average of $371 by switching from your old provider
  • Multiple Vehicles– Get a discount when you insure more than one vehicle with 21st Century

GEICO has many of the above discounts as well as the following:

  • Federal Employment — If you’re a retired or active federal employee you can get a discount
  • Bundling — Bundling your auto insurance with renters or homeowners insurance can provide additional savings
  • Driving Courses — Driver’s Ed and defensive driving certificates can save you more on your premiums
  • Accident-Free — Expect to get a discount if you’ve made it five years with no accident

There are many discounts from each provider, so it’s likely that most drivers will qualify for at least one.

Get 21st Century and GEICO Quotes Today

Customers are highly satisfied with both GEICO and 21st Century, according to a 2020 California satisfaction study by J.D. Power. GEICO had an overall score of 828 out of 1000 while Farmers (21st Century’s parent company) had a score of 801.

Using our free quote tool is the fastest and easiest way to compare quotes. Get started by entering your ZIP code today!

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