21st Century vs. Liberty Mutual Car Insurance [2021]

Compare car insurance for 21st Century vs. Liberty Mutual by reviewing rates, discount information, reviews, and features. 21st Century offers more affordable average premiums for drivers with lower credit scores. Liberty Mutual Insurance provides discounts for military member status, homeownership, and mileage. Find the best car insurance company by reviewing the details.

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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: Feb 26, 2021

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Here's what you need to know...

  • 21st Century offers more affordable rates for bad credit history but doesn’t provide discounts for homeowners insurance and other considerations
  • Both companies have mobile apps, Liberty Mutual offers 3 different apps with additional features
  • 21st Century is not BBB accredited, Liberty Mutual has been BBB accredited since 1931

Finding the right car insurance company can be difficult. Comparing 21st Century vs Liberty Mutual Car Insurance involves several considerations, including your driver history, credit score, location, and financial situation, which can all impact your decision.

Your individual insurance needs can be the determining factor in selecting the best company and policy. One company may offer more affordable car insurance rates, but lack bundling features and important discounts. Some companies reward safe drivers, but may still offer higher premiums based on age.

21st Century Insurance and Liberty Mutual are two popular companies that offer comparable rates. Learn more as we look into how these companies stack up, comparing rates, features, reviews, and discounts.

Comparing car insurance companies is a great way to find the best rates for your specific circumstances.

Enter your ZIP code to get started comparing top auto insurance companies near you today.

Liberty Mutual vs 21st Century Discounts

Choosing a car insurance plan isn’t just about car insurance. Other vehicles you may own, homeownership, military member status, and life insurance can all be a part of discounts and bundles that complement your insurance plan.

The table below covers a few discount opportunities that Liberty Mutual and 21st Century provide:

Berkeley, CA Car Insurance Rates by Driving Record
Insurance CompanyClean recordWith One AccidentWith One DUIWith One Speeding Violation
Allstate$2,811.57$4,732.17$7,434.17$3,693.09
Farmers$4,233.70$5,770.52$7,198.46$5,735.16
GEICO$1,907.98$2,940.13$3,693.12$2,366.71
Liberty Mutual$2,908.22$3,896.66$3,512.95$3,080.71
Nationwide$3,253.56$4,169.77$7,056.48$4,169.77
Progressive$1,870.88$3,184.04$3,682.55$2,697.28
State Farm$3,230.18$3,852.56$7,276.39$3,748.83
Travelers$2,375.88$3,893.35$4,521.00$3,515.58
USAA$1,748.29$2,604.99$4,254.80$1,915.01
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Are Liberty Mutual and 21st Century BBB accredited?

Both companies are reputable insurance providers, and there are plenty of Liberty Mutual reviews and 21st Century customer testimonials available detailing their respective services and customer interactions. One key difference between the two companies is Better Business Bureau ratings.

Liberty Mutual Car Insurance has been BBB accredited since 1931, while 21st Century is currently not accredited by the BBB.

How does Liberty Mutual vs. 21st Century car insurance compare?

21st Century is generally the more affordable option for certain types of drivers. For example, teen drivers would benefit by going with 21st century, as their annual rates are $1,326 less expensive than Liberty Mutual Insurance.

Liberty Mutual vs. 21st Century Credit Score Rates

Drivers with lower credit scores also stand to save a few dollars by choosing 21st Century. Scores of 580 or lower can expect to pay around $3,300 annually in premiums by going with Liberty Mutual.

Drivers within the same credit score range can expect to see premiums of about $1,400 yearly when they choose 21st Century Car Insurance.

Liberty Mutual vs. 21st Century High-Risk Insurance Rates

Driver history plays an important role in determining car insurance rates. A speeding violation, reckless driving incident, DUI or at fault accident can impact your monthly insurance rate. If you have what’s considered a high-risk driving record, 21st Century may be a more affordable option.

How are the mobile apps for Liberty Mutual vs. 21st Century?

Car insurance rates are important, but aren’t the only thing to consider when selecting the right company. Accessibility matters, and managing your insurance plan on the go can be a handy feature in the event of an accident, or when planning financially.

The 21st iPhone app, available for 21st Century policyholders, offers access to your insurance bill, insurance ID card, and claim reporting system. You can also contact roadside assistance in the event of an accident or other car trouble

The Liberty Mutual Insurance Mobile App is a bit more robust. Using your Liberty Mutual login, you have instant access to the full suite of features available through the company website.

You can pay bills, view your policy information, file a claim, and even change your coverage plan directly through the app.

Liberty Mutual also offers the Mutual CarZen App for Apple users, which is a car shopping tool featuring research information, high-quality images, and reviews.

The Home Gallery App is another Liberty Mutual tool that allows you to maintain an inventory of personal items, which can can be referenced in the event of theft or an accident.

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How can you find rates?

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