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

Quick Facts

• Based on national averages for car insurance, 21st Century offers significantly less expensive rates than Pure
• 21st Century has more affordable premiums for drivers with a DUI
• 21st Century offers cheaper average prices for policyholders who are looking to purchase insurance with a spouse

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

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to 21st Century or Pure as potential options, but between the two, which one will offer you less expensive premiums?

Looking at the national average rates for both carriers, 21st Century has average rates that are around 55% a month more affordable than those from Pure.

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

Wanting to know if 21st Century or Pure is really the right carrier 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. Pure: Average Car Insurance Rates by State

21st Century and Pure only compete against each other in California, where 21st Century offers the cheaper average premiums. 21st Century drivers tend to pay about $125 per month less on average compared to drivers who use Pure for their auto insurance.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. It's normally because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use 21st Century save almost 70% a month compared to those who use Pure.

But both carriers will reduce rates by the time drivers turn 25. Pure offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, 21st Century still has the most affordable prices at $144 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest car 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 insurance.

But who has the best rates for retired drivers between 21st Century and Pure? 21st Century gets the edge, with prices for drivers 65 and older nearly 50% less expensive than the national average for Pure.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are usually more expensive for single policyholders than they are for married policyholders? That's because policies for married couples typically cover more than one vehicle, which many companies will give you a discount for.

For those who are single, the difference in average prices between these two carriers is significant, with 21st Century premiums coming in at about a third of Pure's. The advantage for married drivers with 21st Century is also obvious, where drivers save around $100 per month.

21st Century or Pure: Average Rates by Gender

Because women are less likely to get into accidents and get speeding tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to offer women more affordable rates.

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

Looking at overall affordability, 21st Century comes out as the lowest option for both genders. On average, male drivers save about $185 a month and women save about $185 with 21st Century compared to the average Pure policyholder.

21st Century vs. Pure: 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. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, 21st Century has the significant edge, with average monthly rates 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 Pure's $528.

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

It's no secret -- drivers with good records end up getting the best deals on their 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 prices, but is 21st Century or Pure cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use 21st Century for their auto insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of around 28%.

However, 21st Century has more affordable premiums for drivers in both categories -- their rates are around 54% cheaper for drivers with clean records and 59% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

21st Century drivers who get in an accident can expect to see their rates climb by $80, while those who have insurance through Pure will see about a $150 increase.

At the end of the day, 21st Century offers the cheapest prices for drivers with an at-fault collision on their records, with average rates coming in at $173 compared to PURE Insurance's $352.

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 ticket or even a collision. On average, Pure will climb your premiums around 59% after a DUI, while 21st Century's average prices rise by nearly 55%.

But if you end up with a DUI charge and are looking for more affordable premiums, 21st Century tends to be more affordable for the average driver, with monthly premiums coming in at about $200 to Pure's $489.

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

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

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at 21st Century and Pure, which company 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 Pure 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 big impact on your monthly premiums? That's because the more milage you put on your car, the more likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, 21st Century offers less expensive rates than Pure. Pure average prices for drivers with 6,000 annual miles come in around $136 more expensive than 21st Century. Those who drive 12,000 miles yearly can expect to pay about $234 more with Pure over 21st Century.

21st Century or Pure: 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 substantial impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

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

Those in rural areas can expect to pay around $141 a month with 21st Century compared to Pure's $308. Drivers in suburban ZIP codes pay a monthly price of about $145 with 21st Century compared to $313 with Pure. For drivers in urban ZIP codes, 21st Century's average rates are around $151 a month compared to Pure's $371.

21st Century vs. Pure Discounts

No matter 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 you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by 21st Century and Pure so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Overall, 21st Century has advantage when it comes to total number of discounts. Pure offers a grand total of 10 discounts, while 21st Century has 13.

A couple of those are overlapping for things like ABS discounts, anti-theft discounts, and discounts for being a good student. 21st Century also offers discounts for advance quote, defensive driver, deluxe, and more.

On the other hand, Pure has a few proprietary discounts of their own for things like distant student discounts, mature driver discounts, multi-car discounts, and more.

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

So, we've broken down the average premiums for many of the variables insurance carriers look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best one for you, your vehicle, and your wallet?

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

• You will be the only person on the auto insurance policy.
• You're looking for the best rates on liability only coverage.
• You drive fewer than 6,000 miles every year.

Pure might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare 21st Century and Pure. We also hope we've given you the information you need to make the best decision when it comes to your car 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 insurance -- comparing quotes from a handful of companies, not just 21st Century and Pure. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

21st Century vs. Pure FAQs

Is 21st Century or Pure cheaper?

21st Century is the more affordable of the two companies when looking at national average prices, with policies averaging $146 per month with 21st Century and $331 for Pure. That being said, that doesn't mean 21st Century will be the lowest carrier for each policyholder, since there are lots 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 Pure?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile.

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

Insurance carriers use lots of different variables when calculating the premiums they charge. Factors like where you live, age, gender, where you park your vehicle, and sometimes even things like your credit score can all be used. Both 21st Century and Pure calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers 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 quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't 21st Century or Pure 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.