21st Century vs. SafeAuto Car Insurance [2021]

Compare 21st Century vs SafeAuto car insurance, discount offers, policy details, and rate specifics. SafeAuto offers more affordable insurance rates for drivers with reckless driving violations, while 21st Century provides cheaper coverage for drivers with speeding tickets. 21st Century is not currently accredited by the BBB. SafeAuto has been BBB accredited since 1997.

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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 5, 2021

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Here's what you need to know...

  • SafeAuto provides more affordable average rates for drivers with reckless driving tickets
  • 21st Century provides insurance options for all 50 states; SafeAuto only covers 17 states
  • 21st Century is not a BBB accredited business; SafeAuto has been BBB accredited since 1997

Comparing 21st Century vs. SafeAuto is important for anyone looking for car insurance. Reviewing as many details as possible can help drivers make the best choices as both insurance companies offer discounts and other comparable benefits.

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

Insurance companies know that each driver has different insurance priorities. Companies tailor their services, discounts, and rates, appealing to different types of drivers and consumer demographics, so finding the best auto insurance company for your needs requires some consideration.

We’ll compare key information points for both companies and cover important details. For rates in your location, enter your ZIP code and find out more about quotes in your area.

21st Century vs. SafeAuto: How do rates compare for high-risk drivers?

Take a look at the table below and review how high-risk considerations affect insurance quotes for both companies:

21st Century vs. SafeAuto Average Annual Car Insurance Rates by Driving Record
Driving Record Infraction21st Century Average Annual RatesSafeAuto Average Annual Rates
Speeding Violation$1,781 $2,738
Reckless Driving$3,949 $2,867
DWI/DUI$3,949 $2,867
At-fault Accident ($1K damage or less)$2,440 $2,867
At-fault Accident ($1K damage or more)$1,273 $2,837
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To insurance companies, your driving history and insurance rates go together. Rates provided by insurance companies will generally depend on your driving to some extent, especially if you’ve had incidents considered high risk.

Choosing whether to buy 21st Century vs. SafeAuto car insurance may depend on where you live, as both companies offer savings advantages in different areas.

In Virginia for example, one of SafeAuto’s covered states, drivers must complete 20 minimum classroom hours through in-person classes to fulfill Virginia car insurance driving requirements in addition to other obligations. Some remote classroom options are available for other states.

For existing SafeAuto customers, using your SafeAuto login to check for applicable requirements would be the best way to verify options in your state.

SafeAuto offers insurance to drivers residing in 17 states: Arizona, California, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.

21st Century car insurance is available nationwide, so if you don’t live in any of the states listed above, 21st Century insurance would be a better option. SafeAuto focuses on baseline insurance coverage, intended to keep drivers current with legally required liability insurance coverage.

Some high-risk factors that greatly affect premium rates with other companies may be less damaging under a SafeAuto policy, so it’s best to take a good look at policy rate details for each company.

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Where can I find 21st Century vs. SafeAuto reviews and ratings?

Both companies are popular insurance providers, and there are plenty of reviews online and in print detailing their comparative services and customer interactions.

One important difference between the two companies is Better Business Bureau accreditation. SafeAuto Car Insurance has been BBB accredited since 1931, while 21st Century is currently not accredited by the BBB.

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

Drivers with poor credit history (a score of 580 or less) should lean toward 21st Century, as their yearly rates average slightly below $1,400. SafeAuto insurance premiums average around $3,800 for similar credit scores.

Drivers with exceptional scores should also opt to go with 21st Century as their premiums average under $1,400 for scores within the 800-850 range. 21st Century coverage generally costs around $2,000 annually for drivers with great credit history.

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

Finding the best rates in your area is simple. Enter your ZIP code now, find quotes in your area, and start comparing 21st Century vs. SafeAuto car insurance quotes today.

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