21st Century vs. Progressive Car Insurance [2021]

Compare 21st Century vs. Progressive car insurance policy features, discounts, and rates. Progressive offers cheaper insurance rates for drivers with great credit scores, while 21st Century provides more affordable coverage for drivers with speeding violations. 21st Century offers more affordable rates for drivers with poor credit scores and Progressive rewards longstanding customers by providing loyalty discounts. Compare additional features and learn more about what separates these two companies.

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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 18, 2021

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Here's what you need to know...

  • Progressive provides more affordable average rates for drivers with speeding tickets
  • 21st Century offers discounts for green vehicles
  • Progressive offers a Loyalty Program that rewards longstanding customers

Taking a look at 21st Century vs. Progressive car insurance rates is an essential step for anyone shopping for insurance and looking to compare car insurance companies.

Many factors, including your driving record, credit history, and age can affect your insurance quotes and influence your decision.

Insurance companies understand that every driver has different insurance needs. Companies specify their rates, discounts, and services to accommodate different consumer types and driver demographics.

We’ll review this information and compare key details for both companies. Before learning more about 21st Century vs. Progressive,  enter your ZIP code and find out more about rates in your location.

Progressive vs. 21st Century: Rates for High-Risk Drivers

Review the table below and take a look at how high-risk considerations affect insurance rates for both companies:

Estimated Percentage Of Uninsured Motorists, 1992-2015
YearPercentYearPercentYearPercent
199215.60%200013.40%200814.30%
199316200114.2200913.8
199415.1200214.5201012.3
199514.2200314.9201112.3
199613.8200414.6201212.6
199713.2200514.6201312.7
199813200614.3201413
199912.8200713.8201513
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Your driving history and your insurance rates are connected; driving history is crucial to insurance companies. Premium rates offered by insurance companies will usually vary according to driving history details.

Several states impose individual point systems for moving violations for example, while some states require specific steps for license restoration in the case of a DUI. Learn more about how a DUI is defined. Insurance companies see different driving types and classifications of incidents as individual financial risks.

A certain type of incident may be a major concern for Progressive but might be viewed as less of a risk for 21st Century insurance.

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Progressive vs. 21st Century: How do car insurance rates compare by credit?

Drivers whose credit history needs serious improvement, (a score of 580 or less) may look to buy 21st Century car insurance, as their annual rates average slightly under $1,400. Progressive premiums average around $3,600 for the same credit level.

Drivers with great credit scores, however, may opt to go with Progressive, as their premiums average about $1,300 for scores within the 800-850 range. 21st Century costs drivers in the same credit range a little over $1,350 per month.

What does a good credit discount look like? If your driving record is mostly clean, it’s in your best interest to review each company’s specific rates, as you might find yourself paying more than necessary each month if credit scores have been your only consideration so far.

The more information the better, and each location is different, so make sure you compare rates according to your state as well.

21st Century vs. Progressive: How do the discounts and features compare?

The21st Century car insurance discounts include the following:

  • Driver training discount
  • Green vehicle discount
  • Good grade discount
  • Advanced purchase discount
  • New vehicle discount

Progressive offers important discounts that 21st Century doesn’t provide, including:

  • Telematics discount
  • Life insurance discount
  • Homeowners insurance discount

Do they have unique discounts as well? Let’s take a look.

21st Century vs. Progressive: Are they any special discounts?

The biggest discount advantage to Progressive insurance customers may the Progressive Loyalty Rewards program, which benefits customers who’ve stayed with the company over time by offering more affordable Progressive car insurance.

Using your Progressive login, an active policyholder can check in on their loyalty status at any time, and view the available discount levels detailed below:

  • Silver Member (6 months): Continuous Insurance, Discount Small Accident Forgiveness
  • Gold Member (1 year): Continuous Insurance, Teen Driver Discount, Small Accident Forgiveness
  • Platinum Member (3 years): Continuous Insurance, Teen Driver Discount, Small Accident Forgiveness
  • Diamond Member (5 years): Priority Call Status, Continuous Insurance, Teen Driver Discount, Small Accident Forgiveness, Large Accident Forgiveness
  • Emerald Member (5 years) Priority Call Status, Continuous Insurance, Teen Driver Discount, Small Accident Forgiveness, Large Accident Forgiveness
  • Crown Member (20 years): Lifetime Renewal Guarantee, Priority Call Status, Continuous Insurance, Teen Driver Discount, Small Accident Forgiveness, Large Accident Forgiveness

So now how do you get the best rates for you?

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How do I find car insurance rates in my location?

Finding the best car insurance quotes in your area is simple. Now that you know more about 21st Century vs. Progressive, enter your ZIP code now and find rates available in your area to start comparing car insurance quotes from top insurance companies today.

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