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

Want to know if 21st Century or Cig is the better choice for insurance? You're probably wondering which company offers the best rates or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, Cig offers cheaper premiums than 21st Century
  • Cig tends to be a much more affordable option for couples purchasing car insurance together
  • Cig offers less expensive average prices for people who are single and purchasing auto insurance by yourself

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You might have narrowed it down to 21st Century or Cig as your top options, but between the two, which carrier has cheaper premiums for insurance?

21st Century Cig

Looking at nationwide averages, 21st Century has average rates that are about 18% per month more expensive than those from Cig.

That being said, that doesn't mean Cig will necessarily be less expensive than 21st Century for every single driver. Car insurance companies vary their prices depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and tons of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of 21st Century or Cig is really the best for you, keep reading to see average premiums for each carrier broken down by multiple different rate factors.

21st Century or Cig: Average Car Insurance Rates by State

State 21st Century Cig

21st Century and Cig only compete against each other in one states, with Cig offering more affordable rates to the average driver in all of them. California has the most noticable difference, where Cig prices are over 40% cheaper than auto insurance rates at 21st Century.

But there's more to calculating insurance premiums than just your home state. Read on to find out more.

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Which is the Best Company For Young Drivers?

21st Century Cig
18-year-old drivers$232$240
25-year-old drivers$144$119

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. The reason is that 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 rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have 21st Century for their auto insurance pay nearly $10 less than those who use Cig.

Even so, both carriers will decrease prices by the time drivers turn 25. For example, average premiums for 21st Century policyholders lower almost 40% and Cig's rates reduce more than 50% over that time.

Which is the Best Company for Retired Drivers?

21st Century Cig
65+-year-old drivers$122$86

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices out there.

But who has the best premiums for retired drivers between 21st Century and Cig? Cig gets the edge, with rates for drivers 65 and older $36 less expensive than the national average for 21st Century.

Which is the Best Company for Married Drivers?

21st Century Cig

Married drivers tend to get slightly more affordable insurance prices than single drivers. That's because policies for married couples normally cover more than one car, which several companies will offer you a discount for.

When it comes to relationship status, Cig is the clear winner for single policyholders, with premiums around $19 a month cheaper than 21st Century, on average. The advantage is also clear for married policyholders - Cig offers the most affordable average rates.

21st Century vs. Cig: Average Rates by Gender

21st Century Cig

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll usually end up paying more for auto insurance than women.

Men and women get the same monthly prices with 21st Century, and about $4 less with Cig.

When it comes to the lowest premiums for each gender, Cig comes out on top for both men and women. On average, women save about $29 per month and men save around $25 with Cig compared to the average 21st Century policyholder.

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

21st Century Cig
State Minimum*$79$71
Full Coverage**$212$166

*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.

Car insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

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

If you're looking for state minimum limits for liability insurance, Cig typically offers less expensive prices of $71 compared to 21st Century's $79. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies about $45 a month more affordable than 21st Century, on average.

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

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

Accidents and tickets will most likely raise your rates, but is 21st Century or Cig cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

21st Century Cig
Clean Record$93$88
1 Speeding Ticket$117$112

21st Century policyholders can expect their premiums to go up an average of $24 per month if they get a ticket, while Cig generally raises prices around $24 a month, on average.

However, Cig is typically the less expensive option for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save about $5 per month and drivers with a ticket can save around $5 a month with CIG Insurance.

Which Company is Best for Drivers After an Accident?

21st Century Cig
Clean Record$93$88
1 At-Fault Accident$173$118

After an accident, drivers who have their insurance through 21st Century can expect to see about an $80 -- or around 46% -- increase in their auto insurance rates. Drivers who use Cig for their insurance will see a monthly bill about $30 (or 25%) more expensive after reporting a collision to their car insurance company.

Overall, Cig offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $118 compared to 21st Century Insurance's $173.

Which Company is Best for Drivers with a DUI?

21st Century Cig
Clean Record$93$88
1 DUI$200$157

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than an accident or speeding ticket. 21st Century drivers usually see a 54% climb in their car insurance rates after a DUI charge, while Cig will normally increase premiums by around 44%.

If you have a DUI on your record and are looking for more affordable rates, Cig tends to be the much more affordable option with average prices of $157 monthly compared to $200 from 21st Century.

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

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

The reasoning car insurance companies use is that policyholders 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 usually be forced to pay more.

Looking at 21st Century and Cig specifically, which company has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

21st Century Cig
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

If you have great credit, CIG Insurance will normally reward you. Improving your "good" credit score to an "excellent" one will usually save CIG Insurance customers about 15%. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

21st Century Cig
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Having bad credit can cost you with CIG Insurance. For drivers with less-than-stellar credit, at CIG Insurance, you may pay around 30% per 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. On the other hand, because undefined doesn't have data available for credit scores, they may have better premiums for drivers with bad credit over CIG Insurance.

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

21st Century Cig
6,000 Annual Miles$139$113
12,000 Annual Miles$153$125

How much you drive can have a pretty big impact on your monthly auto insurance bill. That's because the fewer miles you put on your car, 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 annually, as well as those who average twice that figure, Cig offers less expensive prices than 21st Century. 21st Century average rates for drivers with 6,000 annual miles come in about $26 more expensive than Cig. Those who drive 12,000 miles yearly can expect to pay around $28 more with 21st Century over Cig.

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

Where you call home can have a considerable impact on your monthly insurance cost. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

21st Century Cig
Urban Areas$151$128
Suburban Areas$145$123
Rural Areas$141$106

When comparing these two carriers side-by-side, Cig generally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Cig offers prices about $128 per month compared to 21st Century's $151. People who live in suburban ZIP codes can expect to pay around $123 a month for Cig and $145 for 21st Century. Lastly, those in rural areas tend to get the most affordable rates from both companies, with average monthly premiums coming in at $106 and $141 for Cig and 21st Century respectively.

21st Century vs. Cig Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Below, we've taken a look at all of the different discounts 21st Century and Cig offer their customers so that you can see which one can save you the most money each month.

21st Century Cig
ABS Discount
Advance Quote Discount
Anti-Theft Discount
Company Car Discount 
Defensive Driver Discount
Deluxe Discount 
Distant Student Discount 
Employee Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount 
Homeowner Discount
Inside Storage Discount 
Life Policy Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount
New Vehicle Discount 
Paid In Full Discount

Cig knocks 21st Century out of the park when it comes to the sheer number of discounts available, offering 12 more discounts than 21st Century.

There are a couple discounts both carriers offer, but Cig also offers company car discounts, distant student discounts, employee discounts, and more that 21st Century does not.

On the flip side, 21st Century has a couple unique discounts of its own -- deluxe discounts, paperless discounts, and seat belt discounts.

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

So, we've broken down the average prices for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best company for you and your specific driver profile?

Cig might be best for you if....

  • You have a DUI charge on your record.
  • Your credit score is high.
  • You drive fewer than 6,000 miles each year.

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

  • You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a better idea of the difference between 21st Century and Cig. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just 21st Century and Cig. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

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21st Century vs. Cig FAQs

Is 21st Century or Cig cheaper?

Looking just at the national average rates, Cig is the cheaper of the two carriers, offering average rates of $119 per month compared to $146 for 21st Century. But Cig won't necessarily be the cheapest company for everyone, since there are a variety of different variables that come into play when it comes to your car insurance payment.

Who is better, 21st Century or Cig?

Unfortunately, the real answer is "it depends.". No one carrier is "better" for every driver -- it all depends on the makeup of your unique insurance profile.

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

Auto insurance companies take a look at lots of different factors when determining the prices they charge drivers. Things such as gender, where you park your car, age, your driving record, and sometimes even things like your credit score can all come into play. Both 21st Century and Cig calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from lots of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple 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 ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be 21st Century or Cig at all!


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.

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