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

If you're in the market for a new car insurance policy, you might be wondering how Cse and 21st Century compare when it comes to the most affordable rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, 21st Century offers cheaper premiums than Cse
  • 21st Century offers more discounts than CSE Insurance Group
  • 21st Century offers more affordable prices for policyholders who have a short commute

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

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

You might have narrowed it down to 21st Century or Cse as your top options, but between the two, which one has less expensive rates for insurance?

21st Century Cse

As you can see, Cse has average rates that are about 17% per month more expensive than those from 21st Century when looking at the national average rates for auto insurance.

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

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

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

State 21st Century Cse

21st Century and Cse only compete against each other in California, where Cse offers the cheaper average rates. For California residents, Cse offers car insurance for $175 monthly on average. 21st Century's average prices come out to be over 15% more expensive, at $206 a month.

There's a lot more that goes into your auto insurance cost 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 Cse
18-year-old drivers$232$354
25-year-old drivers$144$173

Teen drivers will almost always have the most expensive car insurance premiums of any group on the road. It's typically 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. Just look at the table above -- where 18-year-old drivers who have 21st Century for their auto insurance pay more than $100 less than those who use Cse.

But with both carriers, you'll see your rates decrease significantly once you turn 25. For example, average premiums for 21st Century policyholders drop nearly $90 and Cse's rates reduce around $200 over that time.

Which is the Best Company for Retired Drivers?

21st Century Cse
65+-year-old drivers$122$128

Once you approach retirement age, you'll normally enjoy the cheapest insurance prices you'll ever 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.

When looking at 21st Century and Cse specifically, which carrier is best for retired drivers? 21st Century gets the slight edge here, with average prices coming in at about $122 per month compared to Cse's $128. Even so, that difference is less than 5%, which means it ultimately will come down to other factors, such as your credit score or your driving record.

Which is the Best Company for Married Drivers?

21st Century Cse

You may not be aware, but insurance premiums tend to be more expensive for single policyholders than they are for married drivers. This usually boils down to married policyholders having several cars on their policy -- something several auto insurance companies will reward with discounts.

When it comes to relationship status, 21st Century is the clear winner for single drivers, with rates around $46 a month less expensive than Cse, on average. It's not quite so glaring for married couples, where drivers who use 21st Century save about $7 per month.

21st Century vs. Cse: Average Rates by Gender

21st Century Cse

Men tend to pay more for car insurance than women. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Men and women end up paying the same monthly premiums with 21st Century; men and women get the same monthly rates with Cse.

When it comes to the lowest premiums for each gender, 21st Century comes out as the cheapest option for both genders, with average rates 17% less for men and 17% cheaper for women.

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

21st Century Cse
State Minimum*$79$81
Full Coverage**$212$270

*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, insurance isn't the easiest topic to understand. There are several 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 an accident.

However, most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, 21st Century usually offers slightly more affordable prices of $79 compared to Cse's $81. When it comes to full coverage policies with similar limits, 21st Century again has the edge, with policies around $60 a month cheaper than Cse, on average.

Is 21st Century or Cse 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.

It's no secret secret that at-fault accidents and tickets lead to higher rates, but which company -- 21st Century or Cse -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

21st Century Cse
Clean Record$93$123
1 Speeding Ticket$117$161

21st Century policyholders can expect their premiums to go up an average of $24 per month if they get a ticket, while Cse generally raises rates about $38 a month, on average.

That being said, 21st Century is typically the less expensive option for drivers both with a speeding ticket and with a clean record -- their rates are around 24% more affordable for drivers with clean records and 27% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

21st Century Cse
Clean Record$93$123
1 At-Fault Accident$173$176

21st Century drivers who get in an accident can expect to see their prices rise by over 45%, while those who have insurance through Cse will see around a 30% increase.

Overall, drivers who use 21st Century end up with the cheaper prices after an accident, with monthly premiums averaging $173 compared to CSE Insurance Group's $176.

Which Company is Best for Drivers with a DUI?

21st Century Cse
Clean Record$93$123
1 DUI$200$241

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. Cse drivers usually see a 49% increase in their car insurance rates after a DUI charge, while 21st Century will normally raise prices by about 54%.

If you have a DUI on your record and are looking for more affordable premiums, 21st Century tends to be the much more affordable option with average prices of $200 a month compared to $241 from Cse.

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

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

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

So, which carrier offers the lowest rates for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

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

Which Company is Best for Drivers with Bad Credit?

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

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

21st Century Cse
6,000 Annual Miles$139$161
12,000 Annual Miles$153$189

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly insurance bill? Generally, the more miles you put on your car each year, the more you can expect to pay for coverage.

21st Century tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Cse's average premiums for drivers with 6,000 annual miles come in just under 15% more expensive than 21st Century. Those who drive 12,000 miles every year can expect to pay nearly 20% more with Cse over 21st Century.

21st Century vs. Cse: 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 auto insurance, but the type of area you live in can have a sizable impact as well. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

21st Century Cse
Urban Areas$151$186
Suburban Areas$145$178
Rural Areas$141$161

When comparing these two carriers side-by-side, 21st Century generally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest prices from both companies, but 21st Century comes out on top with average premiums around $141 per month. 21st Century also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a $35 and $33 per month respective difference when compared to Cse drivers in similar areas.

21st Century vs. Cse Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

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

Below, we've compared all of the different discounts offered by 21st Century and Cse so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

21st Century Cse
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Deluxe Discount 
Employee Discount 
Good Driving Discount
Good Student Discount 
Goverment Employee Discount 
Homeowner Discount 
Mature Driver Discount 
Multi-Policy Discount
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 
Seat Belt Discount 

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

There are a couple discounts both carriers offer, but 21st Century also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Cse does not.

On the flip side, Cse has a couple unique discounts of its own -- employee discounts, goverment employee discounts, and mature driver discounts.

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

You've seen the effect certain variables have on your insurance and the different discounts companies offer. But, when it comes down to it, which company is the best one for you and your specific needs?

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

  • You want to save money on your auto insurance after a collision.
  • You're looking for more protection with "full coverage" car insurance.
  • Your neighborhood is in a rural area.

Cse might be best for you if...

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

We hope this guide has ben a valuable resource as you compare 21st Century and Cse and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best 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 Cse. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

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21st Century vs. Cse FAQs

Is 21st Century or Cse cheaper?

Looking just at the national average prices, 21st Century is the less expensive of the two carriers, offering average rates of $146 a month compared to $175 for Cse. However, 21st Century won't necessarily be the most affordable carrier for everyone, since there are a bunch of different factors that are considered when it comes to your car insurance payment.

Who is better, 21st Century or Cse?

Sadly, the answer truly is "it depends.". No one company is necessarily "better" for each driver -- it all boils down to your unique insurance profile.

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

Auto insurance companies take a look at quite a few different variables when determining the premiums they charge policyholders. Factors like gender, your driving record, where you call home, age, and sometimes even things like your credit score can all come into play. Both 21st Century and Cse calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if 21st Century or Cse 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, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be 21st Century or Cse 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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