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

Quick Facts

• Looking at the national averages for auto insurance, Wawanesa offers significantly more affordable rates than 21st Century
• 21st Century may help you save more money -- they offer more discounts than Wawanesa Insurance
• Wawanesa offers cheaper average premiums for policyholders who live in suburban areas

21st Century or Wawanesa: 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 big savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to 21st Century or Wawanesa, but which carrier will save you the most?

As you can see, 21st Century is quite a bit more expensive than Wawanesa, with prices averaging $146 a month compared to just $104 with Wawanesa when looking at the national average rates for insurance.

That being said, Wawanesa may not be the cheapest or best option for every single driver out there. After all, auto insurance carriers 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 premiums could vary drastically from person to person.

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

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

21st Century and Wawanesa only compete against each other in California, where Wawanesa offers the cheaper average prices. Wawanesa drivers tend to pay about $102 per month less on average compared to drivers who use 21st Century for their car insurance.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance companies determine your rates. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group on the road. It's usually because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Wawanesa save over 25% a month compared to those who use 21st Century.

Even so, both carriers will decrease rates by the time drivers turn 25. Wawanesa offers the steepest decrease, with 25-year-olds paying a third less what 18-year-old drivers are charged. 21st Century's average premiums lower almost 40% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best rates to retired drivers? Wawanesa gets the edge, with prices for drivers 65 and older $35 less expensive than the national average for 21st Century.

Which is the Best Company for Married Drivers?

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

For single drivers, the difference in average rates between these two carriers is significant, with Wawanesa prices coming in at a quarter less than 21st Century's. For married policyholders, the advantage is clear again - Wawanesa has the edge when it comes to average premiums.

21st Century or Wawanesa: Average Rates by Gender

Did you know women usually pay less for car insurance than men? That's because women are less likely to get into collisions and get speeding tickets, which lowers the chances of filing a claim with insurance.

Men and women get the same monthly prices with 21st Century; women and men get the same monthly rates with Wawanesa.

Looking at overall affordability, Wawanesa comes out as the lowest option for both genders, with average prices 29% less for men and 29% cheaper for women.

21st Century vs. Wawanesa: 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, insurance isn't the easiest topic to understand. Everyone needs auto 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 (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Wawanesa has the edge, with average monthly premiums coming in at $64. If you want a full coverage policy with the same state minimum limits, Wawanesa again has the edge, with policies averaging around $144 per month to 21st Century's $212.

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

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

It's no secret secret that collisions and speeding tickets lead to higher rates, but which carrier -- 21st Century or Wawanesa -- has the cheapest premiums for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use 21st Century for their insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Wawanesa policyholders can expect a bit more drastic of an increase of around 30%.

However, Wawanesa has cheaper rates for drivers in both categories, offering prices that are $19 and $12 less expensive, respectively, compared to 21st Century Insurance.

Which Company is Best for Drivers After an Accident?

21st Century drivers who get in an accident can expect to see their rates increase by over 45%, while those who have insurance through Wawanesa will see about a 35% increase.

At the end of the day, drivers who use Wawanesa end up with the cheaper prices after an accident, with average prices coming in at $113 compared to 21st Century Insurance's $173.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your auto insurance bill. 21st Century drivers usually see a 54% climb in their insurance premiums after a DUI charge, while Wawanesa will normally raise prices by around 41%.

But if you end up with a DUI charge and are looking for more affordable rates, Wawanesa tends to be more affordable for the average driver, with monthly premiums coming in at about $125 to 21st Century's $200.

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

You may not have known, but your credit score can be used as one of the variables to calculate your monthly car insurance premiums. Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect lots of policyholders out there.

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

Looking specifically at Wawanesa and 21st Century, which company has the best premiums 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 Wawanesa Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance companies will charge for coverage. That's because the fewer miles you put on your vehicle, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Wawanesa offers cheaper rates than 21st Century. Wawanesa's average prices for drivers with 6,000 annual miles come in around 29% more affordable than 21st Century. Those who drive 12,000 miles yearly can expect to pay about 27% less with Wawanesa over 21st Century.

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

Where your home is can play a considerable role in how much you pay for car insurance. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Wawanesa boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to pay around $95 per month with Wawanesa compared to 21st Century's $141. Drivers in suburban ZIP codes pay a monthly price of about $105 with Wawanesa compared to $145 with 21st Century. For drivers in urban ZIP codes, Wawanesa's average premiums are around $114 a month compared to 21st Century's $151.

21st Century vs. Wawanesa Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car 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 qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both 21st Century and Wawanesa so that you can see which one can save you the most money each month.

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

Both carriers offer several of the same discounts -- like discounts for being a good driver -- but 21st Century also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Wawanesa has a proprietary discount of their own -- a mature driver discounts.

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

So, we've broken down the average prices for many of the factors insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but at the end of the day, which company is the right company for you, your vehicle, and your wallet?

Wawanesa might be best for you if....

• You will be the only person on the car insurance policy.
• You live in a rural neighborhood.
• You don't spend much time in your car.

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

• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare 21st Century and Wawanesa. We also hope we've given you the information you need to make the best decision about your 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 auto insurance -- comparing quotes from several carriers, not just 21st Century and Wawanesa. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

21st Century vs. Wawanesa FAQs

Is 21st Century or Wawanesa cheaper?

Wawanesa is the less expensive of the two carriers when looking at national average premiums, with policies averaging $104 per month with Wawanesa and $146 for 21st Century. But that doesn't mean Wawanesa will be the most affordable carrier for each policyholder, since there are many different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, 21st Century or Wawanesa?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

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

Auto insurance companies use a lot of different factors when determining the rates they charge. Things such as where you call home, gender, where you live, age, and sometimes even things like your credit score can all be taken into consideration. Both 21st Century and Wawanesa 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 multiple different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers 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 Wawanesa 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.