21st Century vs. Workmen’s Auto: Which Company is the Best Fit for You?

Wondering if 21st Century or Workmen's Auto is the best car insurance carrier for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, 21st Century offers slightly less expensive rates than Workmen's Auto
  • 21st Century offers more affordable prices for policyholders who have a clean record
  • Workmen's Auto has more affordable rates for policyholders who are looking to purchase insurance with a spouse

21st Century or Workmen's Auto: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to 21st Century or Workmen's Auto as potential options, but between the two, which one has cheaper prices for auto insurance?

21st Century Workmen's Auto

As you can see, Workmen's Auto is around $5 more a month than 21st Century when looking at the national average rates for insurance.

Even so, that doesn't mean 21st Century will necessarily be more affordable than Workmen's Auto for each driver. Car insurance carriers use all sorts of complex algorithms to determine premiums, so depending on how good your credit score is or how clean your driving record is (among a range of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both 21st Century and Workmen's Auto by a range of different rate factors, so read on to find out which company is the best for you.

21st Century vs. Workmen's Auto: Average Car Insurance Rates by State

State 21st Century Workmen's Auto

21st Century and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average prices. Workmen's Auto drivers tend to pay about $55 per month less on average compared to drivers who use 21st Century for their auto insurance.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance companies calculate your rates. Read on to learn more.

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Which is the Best Company For Young Drivers?

21st Century Workmen's Auto
18-year-old drivers$232$321
25-year-old drivers$144$130

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers out there on the road. The reason is that teen 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. As you can see above, teens who use 21st Century save almost 30% a month compared to those who use Workmen's Auto.

But both carriers will offer you dramatically lower rates by the time you turn 25. For example, average premiums for 21st Century policyholders lower about $90 and Workmen's Auto's prices decrease nearly $200 over that time.

Which is the Best Company for Retired Drivers?

21st Century Workmen's Auto
65+-year-old drivers$122$124

Once you approach retirement age, you'll typically enjoy the most affordable 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 auto insurance.

When looking at 21st Century and Workmen's Auto specifically, which carrier is best for retired drivers? In this case, 21st Century has the slight edge, with rates around $2 per month less than Workmen's Auto. However, that difference is less than 5%, which means it ultimately will come down to other variables, like where you live or your driving record.

Which is the Best Company for Married Drivers?

21st Century Workmen's Auto

Did you know that car insurance prices are normally more expensive for those who are single than they are for married couples? That's generally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

When it comes to relationship status, 21st Century is the winner for single policyholders, with rates almost 10% a month less expensive than Workmen's Auto, on average.

21st Century or Workmen's Auto: Average Rates by Gender

21st Century Workmen's Auto

You may not know, but auto insurance is usually cheaper for women than it is for 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.

Women and men get the same monthly premiums with 21st Century; and with Workmen's Auto, everyone ends up paying the same monthly rates regardless of gender.

When it comes to the lowest prices for each gender, 21st Century offers the cheapest average premiums for both men and women. On average, women save about $5 per month and men save about $5 with 21st Century compared to the average Workmen's Auto policyholder.

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21st Century vs. Workmen's Auto: Compare State Minimum vs. Full Coverage Rates

21st Century Workmen's Auto
State Minimum*$79$67
Full Coverage**$212$235

*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 a variety of different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

When it comes to state minimum liability insurance, Workmen's Auto has the edge, while 21st Century offers the lowest average prices for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $10 with Workmen's Auto Insurance, while full coverage comes out to be around $25 cheaper with 21st Century Insurance.

Is 21st Century or Workmen's Auto 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 speeding tickets and at-fault collisions lead to higher premiums, but which company -- 21st Century or Workmen's Auto -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

21st Century Workmen's Auto
Clean Record$93$111
1 Speeding Ticket$117$145

Drivers who use 21st Century for their auto insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. Workmen's Auto policyholders can expect a bit more drastic of an increase of around 23%.

But 21st Century tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering premiums that are 16% and 19% more affordable, respectively, compared to Workmen's Auto Insurance.

Which Company is Best for Drivers After an Accident?

21st Century Workmen's Auto
Clean Record$93$111
1 At-Fault Accident$173$156

After an accident, drivers who have their insurance through 21st Century can expect to see about an $80 -- or around 46% -- rise in their car insurance prices. Drivers who use Workmen's Auto for their auto insurance will see a monthly bill about $45 (or 29%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, Workmen's Auto offers the cheapest rates for drivers with an at-fault collision on their records, with average premiums coming in at $156 compared to 21st Century Insurance's $173.

Which Company is Best for Drivers with a DUI?

21st Century Workmen's Auto
Clean Record$93$111
1 DUI$200$191

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. 21st Century drivers usually see a 54% increase in their insurance rates after a DUI charge, while Workmen's Auto will typically raise prices by around 42%.

But if you end up with a DUI charge and are looking for more affordable premiums, Workmen's Auto tends to be cheaper for the average driver, with monthly premiums coming in at about $191 to 21st Century's $200.

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How does Credit Score Impact 21st Century and Workmen's Auto Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it will come into play for a lot of policyholders.

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 less expensive prices.

Looking at 21st Century and Workmen's Auto specifically, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

21st Century Workmen's Auto
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 Workmen's Auto
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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Is 21st Century or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

21st Century Workmen's Auto
6,000 Annual Miles$139$126
12,000 Annual Miles$153$175

Did you know that the amount of time you spend in your car have a considerable impact on your monthly premiums? Generally, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

Looking specifically at Workmen's Auto and 21st Century, 21st Century is the less expensive option for people with short commutes, while 21st Century has better prices for those who work from home. Workmen's Auto average rates for drivers with 6,000 annual miles come in nearly $15 cheaper than 21st Century. Those who drive 12,000 miles every year can expect to pay more than $20 less with 21st Century over Workmen's Auto.

21st Century or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a big impact on your monthly insurance cost. Usually, those who live in urban areas will pay more than drivers in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

21st Century Workmen's Auto
Urban Areas$151$149
Suburban Areas$145$154
Rural Areas$141$149

Looking at these carriers side-by-side, 21st Century tends to offer the lowest option for drivers in rural and suburban areas, while Workmen's Auto wins in urban areas.

Those in rural areas can expect to save around $8 with 21st Century compared to Workmen's Auto. People who live in suburban areas pay about $9 less with 21st Century compared to Workmen's Auto. For policyholders in urban ZIP codes, Workmen's Auto Insurance's average prices are around $2 less than 21st Century Insurance.

21st Century vs. Workmen's Auto Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all 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 Workmen's Auto so that you can see which carrier can save you the most money each month.

21st Century Workmen's Auto
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Deluxe Discount 
Driver-Vehicle Combination Discount 
Good Driving Discount
Good Student Discount 
Homeowner Discount 
Mature Driver Discount 
Multi-Policy Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 
Renewal Discount 
Seat Belt Discount 

21st Century knocks Workmen's Auto out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Workmen's Auto.

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

On the other hand, Workmen's Auto has a few proprietary discounts of their own for things like driver-vehicle combination discounts, mature driver discounts, and renewal discounts.

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Final Thoughts: Is 21st Century or Workmen's Auto Best for You?

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right company for you and your specific profile and needs?

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

  • You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
  • You live in a rural neighborhood.
  • You're of retirement age and want to take advantage of lower rates.

Workmen's Auto might be best for you if...

  • You want to save money on your car insurance after a collision.
  • Your neighborhood is in a city.
  • You are purchasing your insurance with a spouse.

Hopefully, this guide helps you get a better idea of the difference between 21st Century and Workmen's Auto. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just 21st Century and Workmen's Auto. Luckily, sites like Compare.com do all the hard work for you. 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.

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21st Century vs. Workmen's Auto FAQs

Is 21st Century or Workmen's Auto cheaper?

21st Century is the more affordable of the two carriers when looking at national average premiums, with policies averaging $146 a month with 21st Century and $151 for Workmen's Auto. That being said, that doesn't mean 21st Century will be the cheapest company for everyone, since there are several different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, 21st Century or Workmen's Auto?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for each policyholder -- it all depends on what your unique car insurance profile looks like.

Why do 21st Century and Workmen's Auto offer me different rates?

Auto insurance companies use quite a few different factors when determining the prices they charge. Things such as your driving record, gender, age, where you live, and sometimes even things like your credit score can all be used. Both 21st Century and Workmen's Auto calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if 21st Century or Workmen's Auto is right for me?

The only way to find the insurance carrier 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 area information and you'll get quotes from dozens of your local top car insurance carriers 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 Workmen's Auto 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.

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