21st Century vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, United Financial Casualty Company offers slightly cheaper rates than 21st Century
• 21st Century tends to be a much less expensive option for drivers who have a speeding ticket on their driving record
• United Financial Casualty Company offers more affordable prices for policyholders who drive fewer than 6,000 miles yearly

21st Century or United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

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

You might be considering 21st Century or United Financial Casualty Company for your next policy, but which one will offer you more affordable premiums?

Looking at the national average rates for both carriers, 21st Century is around $13 more a month than United Financial Casualty Company.

However, that doesn't necessarily mean United Financial Casualty Company will be the less expensive option for every driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so rates could differ drastically from person to person.

Luckily, we've broken down average premiums from both 21st Century and United Financial Casualty Company by a bunch of different rate factors, so read on to find out which company is the best for you.

21st Century vs. United Financial Casualty Company: Average Car Insurance Rates by State

21st Century and United Financial Casualty Company only compete against each other in one states, with United Financial Casualty Company offering cheaper prices to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company rates are $80 more affordable than auto insurance premiums at 21st Century.

That being said, there's a lot more that goes into your insurance payment than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. That's 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 insurance prices. Just look at the table above -- where 18-year-old drivers who have 21st Century for their car insurance pay over 30% less than those who use United Financial Casualty Company.

But both carriers will lower rates by the time drivers turn 25. For example, average prices for 21st Century policyholders reduce almost 40% and United Financial Casualty Company's rates decrease more than 65% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you can find.

But who has the best prices for retired drivers between 21st Century and United Financial Casualty Company? United Financial Casualty Company gets the edge here, with average rates coming in at about $95 monthly compared to 21st Century's $122.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually more expensive for those who are single than they are for married drivers? This usually boils down to married policyholders having multiple vehicles on their policy -- something quite a few car insurance companies will reward with discounts.

For single policyholders, the difference in average rates between these two carriers is not very significant, with 21st Century prices coming in at around 2% less than United Financial Casualty Company's. The advantage for married couples is more obvious, where drivers who use United Financial Casualty Company save about $35 per month.

21st Century or United Financial Casualty Company: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into collisions. That means when it comes to auto insurance men will generally end up paying a little more.

Men and women end up paying the same monthly premiums with 21st Century, but with United Financial Casualty Company, the difference is closer to 1% a month.

Looking at overall affordability, United Financial Casualty Company comes out on top for both men and women. On average, women save about $14 per month and men save around $12 with United Financial Casualty Company compared to the average 21st Century policyholder.

21st Century vs. United Financial Casualty Company: 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 insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside liability).

When it comes to state minimum limits for liability insurance, 21st Century has the edge, while United Financial Casualty Company offers the most affordable average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $0 with 21st Century Insurance, while full coverage comes out to be about $25 cheaper with United Financial Casualty Company.

Is 21st Century or United Financial Casualty Company Better for Drivers with Spotty Records?

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

Speeding tickets and at-fault collisions will most likely raise your rates, but is 21st Century or United Financial Casualty Company more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use 21st Century for their insurance can generally expect their monthly bill to go up around 21% after getting a speeding ticket. United Financial Casualty Company policyholders can expect a bit more drastic of an increase of about 25%.

But 21st Century tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering premiums that are 10% and 15% less expensive, respectively, compared to United Financial Casualty Company.

Which Company is Best for Drivers After an Accident?

21st Century policyholders who get in an accident can expect to see their rates increase by $80, while those who have insurance through United Financial Casualty Company will see around a $55 increase.

At the end of the day, the cheaper premiums come from United Financial Casualty Company, with average prices coming in at $158 compared to 21st Century Insurance's $173.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than a collision or speeding ticket. For example, 21st Century increases average rates by more than $100 a month -- that's nearly a 55% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, United Financial Casualty Company tends to be more affordable for the average driver, with monthly premiums coming in at about $134 to 21st Century's $200.

How does Credit Score Impact 21st Century and United Financial Casualty Company Rates?

Did you know many insurance companies take your credit score into account when determining prices? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it does affect a lot of drivers out there.

The reasoning car insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with less expensive rates.

So, which carrier offers the lowest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have fantastic credit, United Financial Casualty Company will usually reward you. Jumping from a "good" credit score to an "excellent" one will normally save United Financial Casualty Company customers around $15. 21st Century, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with United Financial Casualty Company. For drivers with less-than-stellar credit, at United Financial Casualty Company, you may pay about $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. 21st Century, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit might find better rates with 21st Century over United Financial Casualty Company.

Is 21st Century or United Financial Casualty Company 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 pretty big impact on how much auto insurance companies will charge for coverage? Generally, those who drive less will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

United Financial Casualty Company tends to be the more affordable option for both remote workers and those taking short commutes. United Financial Casualty Company's average prices for drivers with 6,000 annual miles come in around 6% less expensive than 21st Century. Those who drive 12,000 miles annually can expect to pay about 12% less with United Financial Casualty Company over 21st Century.

21st Century or United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for insurance. Usually, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

When comparing these two carriers side-by-side, United Financial Casualty Company typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around 11% with United Financial Casualty Company compared to 21st Century. People who live in suburban areas pay about 8% less with United Financial Casualty Company compared to 21st Century. For drivers in urban ZIP codes, United Financial Casualty Company's average premiums are around 8% less than 21st Century Insurance.

21st Century vs. United Financial Casualty Company Discounts

No matter why you might be in the market for a new car 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 auto insurance discounts as possible.

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

Luckily, we did the hard work for you and looked at all of the different discounts 21st Century and United Financial Casualty Company offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Overall, United Financial Casualty Company comes out ahead with 18 discounts to 21st Century's 13.

There are a couple discounts both companies offer, but United Financial Casualty Company also offers discounts for continuous insurance, distant student, e-signature, and more.

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

Final Thoughts: Is 21st Century or United Financial Casualty Company Best for You?

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the right fit for you?

United Financial Casualty Company might be best for you if....

• You're worried about the impact your credit score will have on your premiums.
• Your home is in a busy urban area.
• You don't spend much time in your car.

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

• You will be the only person on the insurance policy.
• You're looking for the best prices on liability only coverage.
• You want to save money while purchasing auto insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between 21st Century and United Financial Casualty Company. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just 21st Century and United Financial Casualty Company. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance companies in your area, all in just a few minutes.

21st Century vs. United Financial Casualty Company FAQs

Is 21st Century or United Financial Casualty Company cheaper?

United Financial Casualty Company is the more affordable of the two carriers when looking at national average rates, with policies averaging $133 a month with United Financial Casualty Company and $146 for 21st Century. Even so, that doesn't mean United Financial Casualty Company will be the lowest carrier for everyone, since there are many different variables that are considered when it comes to your car insurance cost.

Who is better, 21st Century or United Financial Casualty Company?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, United Financial Casualty Company is less expensive for drivers who have already retired, while 21st Century offers cheaper premiums for single policyholders.

Why do 21st Century and United Financial Casualty Company offer me different rates?

Insurance companies use lots of different factors when calculating the prices they charge. Things like age, your driving record, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both 21st Century and United Financial Casualty Company calculate rates using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if 21st Century or United Financial Casualty Company is right for me?

The only way to find the car 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 does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the lowest price. And maybe you'll find that the best carrier for you isn't 21st Century or United Financial Casualty Company 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.