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

Want to know if 21st Century or State Farm is the better choice for car insurance? You're probably wondering which carrier 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
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • Based on national averages for auto insurance, 21st Century offers slightly less expensive prices than State Farm
  • 21st Century offers more affordable average premiums for policyholders who drive fewer than 12,000 miles yearly
  • State Farm tends to be a much cheaper option for drivers with a DUI

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

So, you're considering switching to 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've maybe even narrowed it down to 21st Century or State Farm as your top options, but which one will save you the most?

21st Century State Farm

Looking at the national average rates for both carriers, State Farm is around $12 more a month than 21st Century.

Even so, that doesn't mean 21st Century will necessarily be more affordable than State Farm for every single driver. Insurance companies use a variety of complex algorithms to determine rates, so depending on where you live or how clean your driving record is (among lots of other factors), you could see wildly different prices from the ones above.

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

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

State 21st Century State Farm

21st Century and State Farm only compete against each other in two states, with 21st Century offering less expensive prices to the average driver in all of them. Hawaii has the most noticable difference, where State Farm rates are $29 cheaper than car insurance premiums at 21st Century.

There are plenty of other factors that go into your auto insurance bill than just your home state. Continue reading to learn more about how other variables will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

21st Century State Farm
18-year-old drivers$232$353
25-year-old drivers$144$142

Teen drivers will almost always have the most expensive car insurance prices of any other group of drivers. Typically, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use 21st Century save over 35% per month compared to those who use State Farm.

However, both carriers will offer you dramatically lower premiums by the time drivers turn 25. State Farm offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. 21st Century's average rates decrease almost 40% during that same period.

Which is the Best Company for Retired Drivers?

21st Century State Farm
65+-year-old drivers$122$111

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

When looking at 21st Century and State Farm specifically, which carrier is best for retired drivers? State Farm gets the slight edge here, with average rates coming in at about $111 per month compared to 21st Century's $122.

Which is the Best Company for Married Drivers?

21st Century State Farm

You may not be aware, but insurance prices tend to be less expensive for married policyholders than they are for single policyholders. That's because policies for married couples generally cover several vehicles, which quite a few companies will give you a discount for.

For single drivers, the difference in average premiums between these two carriers is significant, with 21st Century prices coming in at around 15% less than State Farm's. But for married drivers, that advantage is much less clear - State Farm offers the most affordable average premiums , but the difference is only $5.

21st Century or State Farm: Average Rates by Gender

21st Century State Farm

Men are statistically more likely than women to get tickets and get into accidents, which means they'll normally end up paying more for auto insurance than women.

Men and women end up paying the same monthly rates with 21st Century, but with State Farm, the difference is closer to 7% a month.

When it comes to the lowest prices for each gender, 21st Century comes out as the most affordable option for both genders, with average premiums 11% less for men and 4% cheaper for women.

Find your best rate in just a few minutes

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

21st Century State Farm
State Minimum*$79$99
Full Coverage**$212$216

*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.

Insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, 21st Century has the 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 about $212 per month to State Farm's $216.

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

You've probably seen plenty of commercials from car insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

At-fault collisions and speeding tickets will most likely raise your prices, but is 21st Century or State Farm more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

21st Century State Farm
Clean Record$93$134
1 Speeding Ticket$117$155

Policyholders who use 21st Century for their insurance can generally expect their monthly bill to go up around 21% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of about 14%.

However, 21st Century tends to offer the best prices for drivers both with clean records and with a ticket, offering rates that are $41 and $38 cheaper, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

21st Century State Farm
Clean Record$93$134
1 At-Fault Accident$173$163

21st Century drivers who get in an accident can expect to see their prices climb by over 45%, while those who have insurance through State Farm will see around a 20% increase.

At the end of the day, State Farm offers the cheapest premiums for drivers with an at-fault collision on their records, with average rates coming in at $163 compared to 21st Century Insurance's $173.

Which Company is Best for Drivers with a DUI?

21st Century State Farm
Clean Record$93$134
1 DUI$200$179

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. 21st Century drivers usually see a 54% climb in their auto insurance premiums after a DUI charge, while State Farm will usually raise rates by about 25%.

Find your best rate in just a few minutes

How does Credit Score Impact 21st Century and State Farm Rates?

Did you know many car insurance carriers take your credit score into account when determining prices? Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it does affect a lot of policyholders out there.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable rates.

Looking specifically at State Farm and 21st Century, which carrier has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

21st Century State Farm
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Typically, if you have great credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will normally save State Farm customers around 25%. Because 21st Century, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

21st Century State Farm
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

If you have bad credit, it can cost you with State Farm. If your credit score is in the "poor" range, at State Farm, you may pay about $150 more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because 21st Century doesn't have data available for credit scores, they could have better rates for drivers with bad credit over State Farm.

Find your best rate in just a few minutes

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

21st Century State Farm
6,000 Annual Miles$139$151
12,000 Annual Miles$153$164

How much you drive can have a pretty big impact on your monthly insurance cost. Typically, those who drive fewer miles will end up with cheaper prices since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, 21st Century offers less expensive premiums than State Farm. 21st Century's average prices for drivers with 6,000 annual miles come in nearly 10% cheaper than State Farm. Those who drive 12,000 miles annually can expect to pay 7% less with 21st Century over State Farm.

21st Century or State Farm: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a substantial role in how much you pay for car insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads where they live.

21st Century State Farm
Urban Areas$151$185
Suburban Areas$145$161
Rural Areas$141$127

When comparing these two companies side-by-side, 21st Century tends to offer the most affordable option for drivers in urban and suburban areas, while State Farm wins in rural areas.

For drivers in urban ZIP codes, 21st Century's average rates are around $151 per month compared to State Farm's $185. People in suburban areas pay about $145 with 21st Century compared to State Farm's $161 monthly. If you live in a rural area, you can expect to pay around $127 a month with State Farm compared to 21st Century's $141.

21st Century vs. State Farm 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, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard 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 broke down all of the different discounts offered by both 21st Century and State Farm so that you can see which company can save you the most money each month.

21st Century State Farm
ABS Discount
Advance Quote Discount 
Annual Mileage Discount 
Anti-Theft Discount
Defensive Driver Discount
Deluxe Discount 
Distant Student Discount 
Drive Safe & Save Discount 
Driver Training Discount 
DRL Discount 
Farm Discount 
Good Driving Discount
Good Student Discount
Goverment Employee Discount 
Homeowner Discount
Low Income Discount 
Mature Driver Discount 
Military Discount 
Multi-Car Discount 
Multi-Policy Discount

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

There are a couple discounts both carriers offer, but State Farm also offers discounts for annual mileage, distant student, drive safe & save, and more.

On the other hand, 21st Century has a few proprietary discounts of their own for things like advance quote discounts, deluxe discounts, paid in full discounts, and more.

Find your best rate in just a few minutes

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

So, you've seen how different factors can affect your car insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is 21st Century or State Farm the best fit for you?

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

  • You have a clean record.
  • You want the most robust protection via a "full coverage" policy.
  • You want to save money while purchasing auto insurance for a teenager.

State Farm might be best for you if...

  • You want to save money on your car insurance after a collision.
  • You have less-than-stellar credit.
  • You are purchasing your insurance with a spouse.

Hopefully, this guide helps you get a better idea of the difference between 21st Century and State Farm. We also hope we've given you the information you need to make the best decision about 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 companies, not just 21st Century and State Farm. 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 carriers in your area, all for free.

Find your best rate in just a few minutes

21st Century vs. State Farm FAQs

Is 21st Century or State Farm cheaper?

21st Century is the less expensive of the two companies when looking at national average prices, with policies averaging $146 a month with 21st Century and $158 for State Farm. But that doesn't mean 21st Century will be the cheapest company for everyone, since there are a bunch of different variables that come into play when it comes to your car insurance payment.

Who is better, 21st Century or State Farm?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, State Farm is more affordable for drivers who have already retired, while 21st Century offers cheaper rates for single drivers.

Why do 21st Century and State Farm offer me different rates?

Auto insurance carriers use many different factors when calculating the premiums they charge. Variables like gender, where you call home, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both 21st Century and State Farm calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers 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 information once and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't 21st Century or State Farm at all, but another you hadn't even thought of!


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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes