21st Century vs. The Hartford Car Insurance [2021]

Compare 21st Century vs. The Hartford policy features and discounts. The Hartford provides accident forgiveness coverage, 21st Century does not. 21st Century is strictly a car insurance provider, The Hartford offers insurance for other types of vehicles and property. Compare more information and learn additional details about both companies.

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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: Apr 9, 2021

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Here's what you need to know...

  • The Hartford provides accident forgiveness as a coverage option
  • 21st Century offers green vehicle, and good student discounts, among other advantages
  • The Hartford provides a 10% discount to existing AARP members

Comparing 21st Century vs. The Hartford is important for anyone looking for car insurance. Reviewing as much information as possible for both insurance companies can help drivers decide whether to buy 21st Century vs. The Hartford car insurance or opt for a different insurance company.

Each company offers comparable discounts and advantages, but the biggest difference between these two companies boils down to personal driving needs.

Every driver is different. Insurance companies understand this and specify their rates, discounts, and coverage options to appeal to different driver types and customer demographics.

We’ll take a look at important information for both companies and compare some key details to find the best auto companies for your needs.

Before jumping into our 21st Century vs. The Hartford review, find rates in your area by entering your ZIP code and find out more about quotes in your location.

21st Century vs. The Hartford: How do these companies compare?

Choosing between 21st Century vs. The Hartford car insurance depends on many factors, as both companies offer insurance options in different areas.

Hanover car insurance, backed by the AARP, provides more discounts to older drivers but different overall discount availability when compared to 21st Century insurance.

If you do opt to go with The Hartford, accident forgiveness coverage is available. Some high-risk incidents increase premiums with other companies may be less of a concern under a Hartford policy, so it’s best to fully evaluate quotes and review the key information points.

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21st Century vs. The Hartford: What are the ways to save?

Review the table below, which lists some of the discount options available for both insurance companies:

21st Century vs. The Hartford Discounts Offered
Discount Type21st Century DiscountsThe Hartford Discounts
New VehicleYesNo
Annual MileageNoYes
Green VehiclesYesNo
Good StudentYesYes
Distant StudentYesNo
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The Hartford Insurance also offers other auto insurance discounts and benefits, including:

  • AARP discount: One of the primary advantages to the Hartford car insurance policy, this discount provides savings of up to 10% if you are an existing AARP member
  • Bundled coverage discount: The Hartford offers other insurance options in addition to car insurance, so you can bundle home and car coverage, and access all policy information with the Hartford login.
  • New Car Replacement Coverage: If you wreck a new car, The Hartford replace the vehicle with a new one of the same make and model
  • RecoverCare: This option can provide reimbursements for in-home services, such as house maintenance, that you’re unable to perform following an accident.
  • Disappearing Deductible: After a policy renewal, your collision deductible can lower over time if you maintain a clean driving history.

21st Century insurance provides the following advantages that provide safe driver discounts and more, in addition to savings mentioned above:

  • Superior driver discount
  • Mature driver discount
  • Rental reimbursement
  • Underinsured motorist
  • 21st Roadside Assistance
  • Personal injury protection
  • Additional/customized equipment coverage

Be sure to ask about any discounts you may qualify for when getting quotes from The Harford or 21st Century car insurance.

How can I find 21st Century vs. The Hartford rates in my location?

Now that you’ve finished this 21st Century vs. The Hartford review, finding the best rates in your location is easy. Enter your ZIP code now, find quotes in your area, and start comparing car insurance quotes today.

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