21st Century vs. Alliance United: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, 21st Century offers significantly less expensive prices than Alliance United
• 21st Century tends to be a much cheaper option for people who are single and purchasing auto insurance by yourself
• 21st Century offers more affordable average premiums for policyholders who may not have much of a commute

21st Century vs. Alliance United: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to 21st Century or Alliance United, but between the two, which company has cheaper prices for insurance?

Looking at nationwide averages, 21st Century has average rates that are about 35% per month more affordable than those from Alliance United.

However, 21st Century may not be the most affordable or best option for every single driver out there. Car insurance companies vary their premiums depending on things like how old you are, how good your credit score is, where you live, how clean your driving record is, and tons of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

So, if you want to find out which of 21st Century or Alliance United is really the best for you, keep reading to see average prices for each company broken down by many different rate factors.

21st Century or Alliance United: Average Car Insurance Rates by State

21st Century and Alliance United only compete against each other in California, where 21st Century offers the cheaper average premiums. For California residents, 21st Century offers auto insurance for $206 monthly on average. Alliance United's average rates come out to be more expensive, at $225 a month.

There's a lot more that goes into your insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing 21st Century over Alliance United.

Even so, both carriers will reduce rates by the time drivers turn 25. For example, average premiums for 21st Century policyholders decrease almost 40% and Alliance United's prices lower more than 45% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best rates for retired drivers between 21st Century and Alliance United? 21st Century gets the edge, with premiums for drivers 65 and older over 35% less expensive than the national average for Alliance United.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are generally more affordable for married couples than they are for single policyholders? This usually boils down to married policyholders having multiple cars on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, 21st Century is the clear winner for single drivers, with premiums around $92 per month less expensive than Alliance United, on average. The advantage for married drivers with 21st Century is also obvious, where drivers save nearly 35% a month.

21st Century vs. Alliance United: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to insurance men will typically end up paying a little more.

Women and men get the same monthly prices with 21st Century; and with Alliance United, both genders end up paying the same monthly price.

Looking at overall affordability, 21st Century offers the lowest average rates for both men and women. On average, male drivers save about $79 per month and women save about $79 with 21st Century compared to the average Alliance United policyholder.

21st Century or Alliance United: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum limits for liability insurance, 21st Century normally offers cheaper prices of $79 compared to Alliance United's $102. When it comes to full coverage policies with similar limits, 21st Century again has the edge, with policies around $150 a month less expensive than Alliance United, on average.

Is 21st Century or Alliance United Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

At-fault collisions and tickets will most likely raise your premiums, but is 21st Century or Alliance United more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

21st Century policyholders can expect their rates to go up an average of $24 per month if they get a ticket, while Alliance United generally raises premiums about $46 a month, on average.

That being said, 21st Century has cheaper prices for drivers in both categories, offering rates that are 33% and 37% more affordable, respectively, compared to Alliance United.

Which Company is Best for Drivers After an Accident?

21st Century drivers who get in a collision can expect to see their premiums rise by $80, while those who have insurance through Alliance United will see around a $150 increase.

Overall, the less expensive prices come from 21st Century, with monthly rates averaging $173 compared to Alliance United's $289.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Alliance United will climb your prices about 52% after a DUI, while 21st Century's average rates climb by just under 55%.

If you have a DUI on your record and are looking for more affordable premiums, 21st Century tends to be the much cheaper option with average rates of $200 per month compared to $289 from Alliance United.

How does Credit Score Impact 21st Century and Alliance United Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating prices? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it does affect many policyholders out there.

The reasoning car insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will typically be forced to pay more.

Looking at 21st Century and Alliance United specifically, which carrier has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is 21st Century or Alliance United Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, 21st Century offers more affordable rates than Alliance United. Alliance United's average prices for drivers with 6,000 annual miles come in around 35% more expensive than 21st Century. Those who drive 12,000 miles every year can expect to pay about 35% more with Alliance United over 21st Century.

21st Century vs. Alliance United: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a considerable impact as well. Usually, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads in those areas.

21st Century tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, 21st Century offers rates around $151 monthly compared to Alliance United's $230. People who live in suburban ZIP codes can expect to pay about $145 per month for 21st Century and $239 for Alliance United. Lastly, those in rural areas tend to get the cheapest premiums from both carriers, with average monthly prices coming in at $141 and $206 for 21st Century and Alliance United respectively.

21st Century vs. Alliance United Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the section below, we've compared all of the different discounts offered by 21st Century and Alliance United so that you can find the one that has the most discounts and, therefore, the biggest savings.

21st Century knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Alliance United.

A couple of those are overlapping for things like discounts for being a defensive driver and discounts for being a good driver. 21st Century also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Alliance United does not.

On the flip side, Alliance United has a unique discount of its own -- a renewal discounts.

Final Thoughts: Is 21st Century or Alliance United Best for You?

So, we've broken down the average rates for many of the factors car insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the best fit for you?

21st Century might be best for you if....

• You've been pulled over for speeding recently.
• Your home is in a busy urban area.
• You live in a rural neighborhood.

Alliance United might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between 21st Century and Alliance United and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just 21st Century and Alliance United. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

21st Century vs. Alliance United FAQs

Is 21st Century or Alliance United cheaper?

Looking just at the national average premiums, 21st Century is the less expensive of the two carriers, offering average rates of $146 a month compared to $225 for Alliance United. But 21st Century won't necessarily be the lowest carrier for each policyholder, since there are a variety of different variables that are considered when it comes to your insurance payment.

Who is better, 21st Century or Alliance United?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do 21st Century and Alliance United offer me different rates?

Auto insurance companies take a look at several different factors when determining the rates they charge drivers. Things such as gender, where you call home, age, your driving record, and sometimes even things like your credit score can all be used. Both 21st Century and Alliance United calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if 21st Century or Alliance United is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be 21st Century or Alliance United at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.