21st Century vs. Safeco Car Insurance [2021]

Compare 21st Century vs Safeco car insurance, discount offers, policy details and rate specifics. Safeco offers more affordable rates for drivers with DUI violations, while 21st Century provides cheaper premiums for drivers with speeding tickets. Safeco has a current A rating from AM Best. 21st Century’s AM Best rating was withdrawn in 2019. Compare more features and learn additional details about 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: Apr 7, 2021

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Here's what you need to know...

  • Safeco provides more affordable average rates for drivers with DUI violations
  • 21st Century offers better rates to drivers with reckless driving tickets
  • 21st Century provides better rates for drivers with poor credit scores

Comparing 21st Century vs. Safeco car insurance is essential for anyone looking for affordable car insurance. Getting familiar with as much information as possible can help drivers make the soundest decision and find the best auto insurance company available.

Both companies offer comparable discounts and other benefits. Many considerations, including your driving history, credit score, and location can determine your insurance premium rates and affect your decision.

Insurance companies realize that every driver has different insurance needs. Companies specify their services, discounts, and rates, appealing to different consumer demographics and driving profiles.

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

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

Review the table below and take a look at how high-risk considerations affect insurance quotes for each company:

21st Century vs. Safeco Average Annual Rates by Driving Record
Driving Record Infraction21st Century Average Annual RatesSafeco Average Annual Rates
Speeding Violation$2,440 $2,546
Reckless Driving$1,273 $1,969
DWI/DUI$3,949 $2,796
At-fault Accident ($1K damage or less)$3,949 $2,853
At-fault Accident ($1K damage or more)$1,781 $2,512
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Your driving history is a key detail in the eyes of insurance companies. Rates offered by insurance companies will vary depending on your driving record, particularly if you’ve had speeding violations, DUI violations, or other high-risk infractions.

Some high-risk considerations that heavily affect premium rates with some companies may be less damaging under another company’s policy. It’s always a good idea to carefully review policy rate details for each company to really get an accurate car insurance comparison.

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

Drivers with poor credit history (a score of 580 or less) should lean toward 21st Century. Their yearly premiums average slightly below $1,400. Safeco premiums average around $5,300 for a similar credit range.

Drivers with great scores should also consider 21st Century as their premiums average under $1,400 for scores within the 800-850 range. Safeco insurance generally costs around $1,650 per year for drivers with excellent credit history.

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

The biggest difference between these two companies is what types of insurance they offer. 21st Century insurance covers strictly car insurance. Safeco car insurance coverage, however, is only one type of insurance provided by the company.

Safeco also provides renters insurance, boat insurance, and homeowners insurance, among other services. If you need to bundle services, or are looking for a more comprehensive provider, Safeco may be the safer option

Each company also provides special discounts and features. 21st Century prioritizes car-related benefits, automatically enrolling each customer with 24/7 Roadside Assistance.

Safeco offers 24/7 Roadside Assistance as an optional policy addition, which includes battery service, flat tire, lockouts, fuel, and fluids assistance at the touch of a button with your Safeco login.

If you’re wondering about the financial health of the two companies, Safeco has an A rating from AM Best. 21st Century had the same rating, but the rating was withdrawn, according to the Businesswire, because of concerns over a merger.

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

After learning more about these two companies, 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 Safeco car insurance quotes today.

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