21st Century vs. Nationwide Car Insurance [2021]

Compare 21st Century vs. Nationwide car insurance policy features, discounts, and rates. Nationwide offers cheaper insurance rates for older drivers, while 21st Century provides more affordable coverage for most drivers considered high risk. 21st Century offers better rates for drivers with low credit scores and Nationwide rewards drivers with top credit scores by offering lower premiums. Compare additional features and learn more about the differences between the two.

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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: Mar 15, 2021

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Here's what you need to know...

  • Nationwide provides more affordable average rates for drivers with great credit
  • 21st Century provides discounts for new cars and green vehicles
  • Nationwide offers better rates for teen drivers and seniors

Comparing 21st Century vs. Nationwide is important when shopping for car insurance. Finding either affordable Nationwide car insurance or affordable 21st Century car insurance is possible if you know how to compare.

Every driver has different insurance needs. The best insurance companies understand this and often tailor discounts, services, and rates to accommodate specific driver demographics and consumer types.

We’ll cover this information, compare key details for each company, and help you decide whether to buy 21st Century vs. Nationwide car insurance. For quotes in your location, enter your ZIP code and find out more about rates in your area.

21st Century vs. Nationwide: Rates by Credit History

Credit history is very important to insurance companies. 21st Century vs. Nationwide car insurance rates are affected by credit scores. Premium rates often vary greatly based on a driver’s credit score range.

Check out both Nationwide car insurance quotes and 21st Century car insurance quotes in the table below.

Berkeley, CA Car Insurance Rates by ZIP Code
Berkeley ZIP codeAverage Car Insurance Rate
94708 $4946.96
94709 $5129.71
94705 $5227.05
94704 $5346.34
94703 $5399.30
94702 $5503.81
94720 $5523.84
94710 $5567.09
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Different insurance companies offer rates specific to credit history, and your score may affect your quote differently depending on which company you eventually go with. Review the premium rates table above to see where your credit score range might land you.

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21st Century vs. Nationwide: Discounts and Features

One reason a driver may choose Nationwide insurance over 21st Century is the type of insurance offered. 21st Century Insurance is a car insurance company exclusively, while Nationwide covers policyholders in many different areas, which can provide additional savings.

Look for a bundling discount; combining Nationwide pet and Nationwide retirement insurance, for example, could save you money. Nationwide customers are also potentially eligible for discounts when choosing a multi-car coverage option.

21st Century provides key discounts in several different areas that aren’t matched by Nationwide, including new vehicle discounts, green vehicle discounts, which, according to the EPA, may complement federal tax credits, and homeowner discounts.

Since we’re focusing on car insurance let’s see what discounts are available for your car insurance policy from each. Nationwide offers several discounts from which you can choose. They include:

  • Multi-policy discount
  • Multi-car discount
  • Accident-free discount
  • Good student discount
  • Loyalty discount
  • Qualifying organization discount
  • Anti-theft device discount
  • Passive occupant restraint discount
  • Defensive driving course discount

The discounts offered by 21st Century include:

Both have a lot of discounts, so which ones you qualify might make the difference for you.

21st Century vs. Nationwide: Best Insurance for Young Drivers

Driver age is a key factor for insurance companies. Younger drivers are often seen as less responsible, and more high-risk. Senior drivers may be more prone to accident liability, but less likely to receive a DUI.

Insurance companies weigh these concerns differently, so shop around for the best rates and use a car insurance comparison chart. Nationwide clearly holds the advantage in this case, however, as its rates are more affordable for each age group.

Nationwide annual premiums for teen drivers will cost around $3,700 on average, while 21st Century’s plans average around $5,200. On the other end of the spectrum, 21st Century will cost drivers above 60 about $1,100, while Nationwide insures senior age drivers for about $1,000 per year.

In addition to car insurance, Nationwide retirement services are also an option for customers, giving older drivers another reason to consider going with Nationwide.

Does Nationwide have better customer service than 21st Century?

This question is tricky because both companies have offices all over the U.S. and the customer service can vary from office to office. That is why using your local Better Business Bureau page to check complaints against the company in your area is a good idea.

In the J.D. Power study, Nationwide did rank higher than 21st Century overall when it came to customer service.

However, just like with pricing, neither company ranked very high overall in this category. There are many other companies that were ranked higher than both of them.

One thing about Nationwide that people seem to like is that, if you are in an accident and you have your car repaired at a Nationwide Blue Ribbon repair shop, then you can watch your car being repaired online.

Not just anyone can use this service; you do have to prove that you are who you say you are by providing your phone number. You can see a demo of this service on the Nationwide website.

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How do Nationwide and 21st Century compare on financial ratings?

At first glance at the A.M. Best ratings for both companies, it appears that Nationwide is more financially sound than 21st Century. Nationwide has an “A+” rating while 21st Century has an “A” rating. However, this isn’t the only thing at which you should look.

In addition to their initial rating, you should also look at their long-term outlook. This section of the website shows how the company is predicted to do in the future based on their current and past financial information. In the case of Nationwide, they currently have a negative outlook across the board.

This is important information because a company with a negative outlook cannot continue to maintain its current services.

A negative outlook is not a guarantee that the company is going to fail or that there will continue to be problems but rather a projection for the present time.

If you are considering two companies that are closely ranked across the board, their financial outlook might be the best determinative factor for you.

21st Century vs. Nationwide: The Bottom Line

Both Nationwide and 21st Century have pros and cons, but the right one for you depends on your personal needs and situation.

Now that you’ve gained some information on 21st Century vs. Nationwide car insurance, you are ready to start shopping around. Finding the best rates in your area is simple. Enter your ZIP code now, find quotes in your area, and start comparing car insurance rates today.

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