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

Quick Facts

• Based on national averages for auto insurance, 21st Century offers significantly less expensive rates than Allstate
• 21st Century has cheaper premiums for policyholders who live in rural neighborhoods
• Allstate may help you save more money -- they offer more discounts than 21st Century Insurance

21st Century or Allstate: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to 21st Century or Allstate as your top options, but which one has more affordable prices for insurance?

Looking at the national average rates for both carriers, 21st Century is quite a bit cheaper than Allstate, with premiums averaging $146 a month compared to $199 with Allstate.

That being said, that doesn't mean 21st Century will necessarily be cheaper than Allstate for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things), so rates will differ quite a bit from person to person.

Wanting to know if 21st Century or Allstate is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

21st Century vs. Allstate: Average Car Insurance Rates by State

21st Century and Allstate only compete against each other in two states, with 21st Century offering less expensive rates to the average driver in all of them. Hawaii has the most noticable difference, where 21st Century premiums are $26 more affordable than auto insurance prices at Allstate.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your rates. Read on to find out more.

Which is the Best Company For Young Drivers?

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

However, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use 21st Century save over 50% per month compared to those who use Allstate.

But both companies will offer you dramatically lower rates by the time drivers turn 25. For example, average prices for 21st Century policyholders decrease around $90 and Allstate's premiums lower almost $300 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the cheapest car insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

So, which carrier offers the best rates to retired drivers? 21st Century gets the edge, with prices for drivers 65 and older nearly 20% less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for single drivers than they are for married drivers. That's because policies for married policyholders usually cover several vehicles, which a lot of carriers will give you a discount for.

For single policyholders, the difference in average premiums between these two companies is significant, with 21st Century prices coming in at a third less than Allstate's. The advantage for married couples with 21st Century is also obvious, where drivers save more than 15% a month.

21st Century or Allstate: Average Rates by Gender

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

Everyone gets the same monthly premiums regardless of gender with 21st Century, but with Allstate, the difference is closer to $9 per month.

When it comes to the most affordable rates for each gender, 21st Century comes out as the lowest option for both genders. On average, women save about $48 a month and men save about $57 with 21st Century compared to the average Allstate policyholder.

21st Century vs. Allstate: 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.

It's no secret that auto insurance can be a complicated subject for most people. There are multiple different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability limits, 21st Century has the significant edge, with average monthly prices coming in at $79. If you want a full coverage policy with the same state minimum limits, 21st Century again has the edge, with policies averaging around $212 per month to Allstate's $289.

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

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your rates, but is 21st Century or Allstate cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use 21st Century for their insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. Allstate policyholders can expect a less drastic increase of around 15%.

However, 21st Century is typically the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are $63 and $66 cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

21st Century drivers who get in a collision can expect to see their rates climb by over 45%, while those who have insurance through Allstate will see about a 30% increase.

At the end of the day, 21st Century offers the most affordable prices for drivers with an at-fault collision on their records, with average premiums coming in at $173 compared to Allstate's $229.

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. 21st Century drivers usually see a 54% increase in their auto insurance prices after a DUI charge, while Allstate will usually climb rates by around 31%.

How does Credit Score Impact 21st Century and Allstate Rates?

Did you know many insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it will come into play for several policyholders.

The reasoning auto 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 rates, while those with poor credit will generally be forced to pay more.

Looking at 21st Century and Allstate specifically, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Usually, if you have excellent credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will typically save Allstate customers about $25. On the other hand, 21st Century doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Allstate. For drivers with less-than-stellar credit, at Allstate, you may pay around $70 a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Because 21st Century doesn't have data available for credit scores, they could have better prices for drivers with bad credit over Allstate.

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

Did you know that the amount of time you spend in your car have a large impact on your monthly rates? That's because the fewer miles you put on your car, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, 21st Century offers less expensive premiums than Allstate. 21st Century average prices for drivers with 6,000 annual miles come in nearly $60 more affordable than Allstate. Those who drive 12,000 miles yearly can expect to pay more than $45 less with 21st Century over Allstate.

21st Century or Allstate: 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 car insurance, but the type of area you live in can have a sizable impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads where they live.

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

Those in rural areas can expect to save about $33 with 21st Century compared to Allstate. People who live in suburban areas pay around $54 less with 21st Century compared to Allstate. For drivers in urban ZIP codes, 21st Century Insurance's average rates are about $71 less than Allstate.

21st Century vs. Allstate Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

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.

Luckily, we did the hard work for you and looked at all of the different discounts 21st Century and Allstate offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Allstate blows 21st Century away when it comes to the sheer amount of discounts available, offering 40 different discounts to 21st Century's 13.

There are a couple discounts both carriers offer, but Allstate also offers discounts for agency transfer, alert driving, annual mileage, and more.

On the other hand, 21st Century has a few proprietary discounts of their own like deluxe discounts and seat belt discounts.

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

So, we've broken down the average prices for many of the variables auto insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right fit for you?

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

• Your driving record includes a DUI charge.
• Your neighborhood is in a rural area.
• You've started working from home and don't have much of a commute.

Allstate might be best for you if...

• Your credit is below-average.
• Your credit score is high.
• You care about discounts (Allstate offers the most).

Hopefully, this guide helps you get a better idea of the difference between 21st Century and Allstate and that you can now make a more informed decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from a handful of carriers, not just 21st Century and Allstate. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

21st Century vs. Allstate FAQs

Is 21st Century or Allstate cheaper?

21st Century is the less expensive of the two carriers when looking at national average rates, with policies averaging $146 per month with 21st Century and $199 for Allstate. But that doesn't mean 21st Century will be the lowest carrier for everyone, since there are a range of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, 21st Century or Allstate?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Allstate is cheaper for drivers with excellent credit, while 21st Century offers more affordable premiums for drivers with a recent DUI.

Why do 21st Century and Allstate offer me different rates?

Car insurance companies use many different variables when calculating the prices they charge. Factors such as age, your driving record, gender, where your home is, and sometimes even things like your credit score can all come into play. Both 21st Century and Allstate use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't 21st Century or Allstate at all, but another you hadn't even thought of!

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.