21st Century vs. State Farm Car Insurance [2021]

Compare 21st Century vs. State Farm rates, discounts, and policy features. 21st Century offers less expensive rates for drivers with poor credit scores, while State Farm provides cheaper coverage for drivers with excellent credit. Compare additional details and learn more information about what separates both 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 9, 2021

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Here's what you need to know...

  • State Farm provides more affordable premium rates for drivers with DUI infractions
  • 21st Century offers cheaper rates to drivers with reckless driving violations
  • State Farm offers better rates for drivers with excellent credit scores

Taking a look at 21st Century vs. State Farm is an important step for anyone looking for car insurance comparison information. Reviewing as many details as possible can help drivers make the most of their options when deciding whether to buy 21st Century vs. State Farm car insurance.

Both insurance companies offer comparable discounts and additional benefits. Many factors, including your credit score, location, and driving history may affect your insurance premium rate.

The best auto insurance companies understand that each driver is different, and everyone has different insurance needs. Companies cater their discounts, services, and rates, to benefit different customer demographics and insurance scenarios.

We’ll compare key points of information for both companies and review additional details. For rates in your location, enter your ZIP code and find out more about quotes in your area before jumping into this 21st Century vs. State Farm review.

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

Take a look the table below and get a feel for how each company evaluates credit history and applies these considerations to their premium rates:

21st Century vs. State Farm Average Annual Rates by Credit Score
Credit Score21st Century Average Annual RatesState Farm Average Annual Rates
Poor (300 -579)$1,363 $3,522
Fair (580-669)$1,363 $2,003
Good (670-739)$1,657 $1,613
Very Good (740 - 799)$1,363 $1,451
Excellent (800-850)$1,363 $1,260
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Drivers with poorer credit history (a score of 580 or less) would be better off with 21st Century in this area. Their yearly rates average slightly below $1,400 for drivers with poor credit history. State Farm rates average about $3,500 for a similar credit score.

Drivers with great credit history should consider State Farm. Their premium rates average under $1,300 for drivers with scores between the 800-850 range. 21st Century insurance generally averages around $1,350 annually for drivers with great exceptional credit scores.

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21st Century vs. State Farm: Insurance Rates By Age

Driver age is a key factor for insurance companies. Take a look at the table below to see how age affects auto insurance rates for each company.

21st Century vs. State Farm Average Annual Rates by Age Group
Age GroupState Farm Average Annual Rates21st Century Average Annual Rates
Teens$5,280 $5,233
20-30$2,379 $1,795
30-40$1,585 $1,795
40-50$1,587 $1,313
50-60$1,558 $1,244
60+$1,485 $1,117
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Generally speaking, younger drivers are often viewed as less responsible, and are at high risk of having major accidents, according to the CDC. Older drivers may be more prone to certain types of accident liability, but less likely to get a DUI violation.

State Farm insurance annual rates for teen drivers will cost around $5,820 on average, while 21st Century’s plans average around $5,233. So those rates are pretty comparable.

On the other end of the spectrum, 21st Century will cost drivers above 60 about $1,100, while State Farm insures senior age drivers for about $1,485 per year.

State Farm also covers additional insurance needs that aren’t provided by 21st Century insurance, including motorcycle coverage, and other options that may be appealing to younger drivers. Using your State Farm login, you’ll be able to access and manage each coverage plan.

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

Now you have more information, finding the best rates in your area is easy. Now that you’ve finished this 21st Century vs. State Farm review, enter your ZIP code now to find quotes in your location, and start comparing car insurance rates today.

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Average Monthly Car Insurance Rates by State