Does Nationwide or 21st Century charge more for auto insurance?

Nationwide car insurance costs more than 21st Century on average, but both are among the most popular companies for car insurance coverage. To find the best car insurance rates between 21st century and Nationwide car insurance, start comparing car insurance quotes online with our free comparison tool below.

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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: Jan 30, 2021

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Here's what you should know...

  • Both Nationwide and 21st Century are two of the most popular insurance companies
  • Generally, Nationwide has higher insurance rates than 21st Century
  • Nationwide and 21st Century both have a diverse offering of car insurance policies and discounts
  • Getting quotes from both companies is the best way to make an informed choice and save money

Determining which insurance company is cheaper overall than another can be difficult because it is your specific personal information that determines the price. However, if you want to know what others say about Nationwide vs. 21st Century, then you need to look no further than the J.D. Power website to see how the two car insurance providers stack up in terms of pricing.

According to a national survey conducted by J.D. Power in 2011, Nationwide was ranked lower in terms of pricing than 21st Century.

What this means is that current customers were asked how their insurance pricing was based on the type of services that they had, and they ranked Nationwide as having worse prices.

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In all fairness, it is important to note that neither company did well at all in this category. 21st Century ranked as average when it came to price and Nationwide ranked as below average. There were seven insurance companies that ranked higher in terms of pricing; most others ranked the same as 21st Century.

Does Nationwide have better products than 21st Century?

man with car documents outside

Overall, in the same J.D. Power survey, both Nationwide and 21st Century ranked the same when it came to product selection. A visit to each of their websites will show that both companies offer virtually the same insurance products as the other.

Where they do differ is with their discount programs. Nationwide offers several discounts from which you can choose. They include:

  • Multi-policy discount
  • Multi-car discount
  • Accident-free discount
  • Good student discount
  • Loyalty discount
  • Qualifying organization discount
  • Anti-theft device discount
  • Passive occupant restraint discount
  • Defensive driving course discount

The discounts offered by 21st Century include:

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Does Nationwide have better customer service than 21st Century?

This question is tricky because both companies have offices all over the U.S. and the customer service can vary from office to office. That is why using the Better Business Bureau website to check complaints against the company in your area is a good idea.

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In the J.D. Power study, Nationwide did rank higher than 21st Century overall when it came to customer service.

However, just like with pricing, neither company ranked very high overall in this category. There are many other companies that were ranked higher than both of them.

One thing about Nationwide that people seem to like is that, if you are in an accident and you have your car repaired at a Nationwide Blue Ribbon repair shop, then you can watch your car being repaired online.

Not just anyone can use this service; you do have to prove that you are who you say you are by providing your phone number. You can see a demo of this service on the Nationwide website.

Is one company in a better place financially than the other?

At first glance at the A.M. Best Company website, it appears that Nationwide is more financially sound than 21st Century. Nationwide has an “A+” rating while 21st Century has an “A” rating. However, this isn’t the only thing at which you should look.

In addition to their initial rating, you should also look at their long-term outlook. This section of the website shows how the company is predicted to do in the future based on their current and past financial information. In the case of Nationwide, they currently have a negative outlook across the board.

This is important information because a company with a negative outlook cannot continue to maintain its current services.

A negative outlook is not a guarantee that the company is going to fail or that there will continue to be problems but rather a projection for the present time.

If you are considering two companies that are closely ranked across the board, their financial outlook might be the best determinative factor for you.

So how do I make the final decision about which car insurance company to choose?

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The truth is that you need to compare quotes between these two companies before you make a decision. What’s more, you need to consider comparing quotes from other companies as well. After all, these two companies may not provide you with the lowest overall insurance.

By using a quote tool to compare car insurance, you can compare multiple companies in a short time span because their quotes are presented to you all at the same time. Using a free quote tool provides you with a free, fast, and easy way to get this done.

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References:

  1. https://www.jdpower.com
  2. https://www.21st.com/
  3. https://www.bbb.org
  4. https://www.nationwide.com
  5. https://www.ambest.com

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