21st Century vs. Travelers Car Insurance [2021]

Car insurance is not a case of one-size-fits-all. When it comes to ranking 21st Century vs. Travelers car insurance, both companies have their perks. While 21st Century car insurance will give you $350-$600 if you switch companies, Travelers offers more ways to save on your premium. Enter your ZIP code below and start your search for the best car insurance in your region.

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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: Feb 3, 2021

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Here's What You Need to Know about 21st Century vs. Travelers:

  • 21st Century makes insurance easy to understand by offering the most essential car insurance policies with more generous discounts
  • Travelers offers more types of additional car insurance coverage and a more extensive range of discounts
  • Both 21stCentury and Travelers offer basic liability coverage, which is the minimum legal requirement in most states

Comparing 21st Century vs. Travelers car insurance is a great way to start your search for the best policy to meet your needs. So which is better?

Whether you’re looking to change car insurance mid policy or take out your first-ever policy, the answer depends on your specific needs. This guide will help you make the right choice.

Compare the companies’ standard coverage. Find out which company offers the most extensive additional coverage.

See how you could save money by choosing the company with the best discount for you. Compare auto insurance today by entering your ZIP code into our free tool.

Comparing Liability Insurance from 21st Century vs. Travelers

There is only one state that does not require liability car insurance in case of an accident. That state is New Hampshire.

This means if you’re at fault, you’ll have coverage to pay for damage to the other person or people involved.

Both 21st Century and Travelers offer liability insurance separate from any other policy you might choose to take out.

This is ideal for drivers who want to comply with the law but may not be able to afford a comprehensive package.

21st Century Liability Insurance

21st Century divides its liability coverage into two categories: bodily injury liability (BI) and property damage liability (PI).

Bodily injury liability covers injuries you may cause other people and also their loss of income, and defense bills if you wind up in court. In a worst-case scenario, it will cover the other person’s funeral expenses.

Property damage liability covers the other person’s car and also things such as a fence or building.

Travelers Liability Insurance

Travelers Insurance puts bodily injury liability and property damage liability into one category: liability car insurance. The policy includes the same features as 21st Century.

In addition, Travelers lets you set the limit for your coverage. A lower limit will mean you pay less per month but may mean you face extra bills if you are responsible for an accident.

As most states require both bodily injury liability and property damage liability, it makes little difference whether your policy separates the two or combines them into one.

By comparison shopping, you can decide how much liability insurance you are likely to need. Enter your ZIP code below to see what’s on offer in your region.

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What differences are there in comprehensive and additional coverage?

Now that we know everybody must take out liability insurance, it’s time to see what other car insurance policies you might need.

Both 21st Century and Travelers offer choices for more comprehensive coverage, as well as additional policies to suit your needs.

Comprehensive Coverage offered by 21st Century vs Travelers

Looking at 21st Century vs. Travelers comprehensive coverage, both companies offer protection if you suffer damage from non-collision causes. These include theft, vandalism, weather events, or contact animals. 

Both companies offer collision coverage, which means you’re protected even if you’re at fault in the accident.

Lastly, both companies offer uninsured or underinsured coverage. This means costs will be paid if you’re in an accident with a driver who is at fault but can’t pay.

Additional Policies Offered by Travelers Insurance

Travelers Insurance offers a variety of extra policies, which might suit your needs.

Firstly, personal injury protection is available in some states. This is sometimes called no-fault insurance and means you’re covered for medical expenses, lost wages, and other damages.

With this policy, it doesn’t matter who caused the accident.

Travelers Insurance also offers medical payments coverage. This policy helps with the expenses of anyone else who might be in your vehicle at the time of the accident.

Further, Travelers Insurance offers these add-ons:

  • Loan/lease gap insurance: protection if you lease your car
  • Rental coverage: if you rent a car when your car is being repaired
  • Roadside assistance: often cheaper than through an independent provider
  • New car replacement: if you total your car in the first five years
  • Accident forgiveness: stops your premium going up if you’re generally a safe driver, but have a minor accident
  • Ridesharing: if you live in Colorado or Illinois and drive for a transportation network

The main thing to consider is how much you want to pay per month to get peace of mind. For some people, liability insurance might be enough.

Others might want full coverage of every possible situation so they can sleep at night. 

Enter your ZIP code in our free tool to see what coverage is available in your area. 

Comparing Discounts from 21st Century vs Travelers

Discounts are a great way to save money on your premium. Both 21st Century Insurance and Travelers Insurance offer a range of discounts to help people out.

It’s worth taking the time to see if any fit the bill for you.

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In addition, Travelers offers discounts through two affinity programs:

  • Travelers Affinity Auto & Home Program gives benefits to employees of certain businesses, or members of some associations and credit unions. 
  • IntelliDrive® Program is available to drivers in some states. The 90-day program uses an app to record driving behavior. Safe driving could mean a discount of up to 20 percent.

So how to decide between 21st Century and Travelers?

There’s a lot to consider but you can start by comparing the premium for legally-required liability insurance in your state for your age group. Then consider what additional coverage you might want.

Finally, take a look at the discounts for 21st Century vs Travelers car insurance and see which ones might apply to you. 

The main thing to remember is that comparison shopping is the best way to get the right policy to suit your situation. Enter your ZIP code below to find the best auto insurance for your needs.   

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