GEICO vs. 21st Century: Which Company is Better in 2022?

How do GEICO and 21st Century compare when it comes to car insurance rates and discounts? If you want to find out which carrier has the best prices for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, 21st Century offers significantly cheaper premiums than GEICO
  • GEICO may help you save more money -- they offer more discounts than 21st Century Insurance


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

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

You might have narrowed it down to GEICO or 21st Century as potential options, but between the two, which one has less expensive rates for auto insurance?

GEICO 21st Century
$185$146

As you can see, 21st Century has average rates that are around 21% a month more affordable than those from GEICO when looking at the national average rates for insurance.

Even so, that doesn't necessarily mean 21st Century will be the cheaper option for every driver. Auto insurance carriers vary their premiums depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and all sorts of other factors, so prices will differ quite a bit from person to person.

Wanting to know if GEICO or 21st Century 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.

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

State GEICO 21st Century
CA$142$206
HI$103$86

GEICO and 21st Century only compete against each other in two states, with GEICO offering more affordable prices to the average driver in all of them. If you live in California, GEICO is the less expensive of the two companies when looking at the overall average rates. 21st Century is the more affordable option in Hawaii.

There's a lot more that goes into your car insurance payment than just where you live. Keep reading to find out more.


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Which is the Best Company For Young Drivers

GEICO 21st Century
18-year-old drivers$369$232
25-year-old drivers$163$144

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers. It's generally because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 35% less per month by choosing 21st Century over GEICO. It's worth noting that GEICO offers insurance in 50 different states compared to 21st Century's two, which can skew the average premiums a bit, but the difference here is still considerable.

However, both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for GEICO policyholders drop over 55% and 21st Century's rates lower over that time.

Which is the Best Company for Retired Drivers?

GEICO 21st Century
65+-year-old drivers$148$122

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever find.

So, which carrier offers the best rates to retired drivers? 21st Century gets the edge here, with average premiums coming in at about $122 per month compared to GEICO's $148.

Which is the Best Company for Married Drivers?

GEICO 21st Century
Single$208$158
Married$154$129

You may not be aware, but auto insurance rates tend to be more expensive for single drivers than they are for married policyholders. This usually boils down to married drivers having several vehicles on their policy -- something many car insurance companies will reward with discounts.

For those who are single, the difference in average prices between these two carriers is significant, with 21st Century premiums coming in at a quarter less than GEICO's. The advantage for married couples with 21st Century is also obvious, where drivers save more than 15% a month.

GEICO or 21st Century: Average Rates by Gender

GEICO 21st Century
Male$189$146
Female$181$146

Because women are less likely to get tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, women tend to get cheaper rates than men.

With GEICO, men typically pay around 4% more per month than women.; women and men get the same monthly prices with 21st Century.

Looking at the data for each company specifically, 21st Century comes out as the cheapest option for both genders, with average premiums $43 less for men and $35 cheaper for women.


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

GEICO 21st Century
State Minimum*$101$79
Full Coverage**$269$212

*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 a complicated subject for most people. There are a variety of different coverages that account for a range 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, 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 a month to GEICO's $269.

Is GEICO or 21st Century 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.

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO 21st Century
Clean Record$115$93
1 Speeding Ticket$150$117

Policyholders who use GEICO for their insurance can usually expect their monthly bill to go up around 23% after getting a speeding ticket. 21st Century policyholders can expect a less drastic increase of about 21%.

But 21st Century has less expensive prices for drivers in both categories. With 21st Century Insurance, drivers with a clean record can save around $22 per month and drivers with a ticket can save about $33 a month.

Which Company is Best for Drivers After an Accident?

GEICO 21st Century
Clean Record$115$93
1 At-Fault Accident$200$173

Both carriers will raise rates pretty significantly if you get into an at-fault collision with GEICO increasing by around 43%. 21st Century has a less extreme raise, but you can still expect to pay more than 45% more than you were prior to your first accident.

At the end of the day, the cheaper premiums come from 21st Century, with average rates coming in at $173 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

GEICO 21st Century
Clean Record$115$93
1 DUI$275$200

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, GEICO increases average prices by more than $150 per month -- that's nearly a 60% increase.

21st Century has the overall cheapest rates for drivers with a DUI on their records at $200 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just two for 21st Century, so the data may be skewed slightly.


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

Did you know many car insurance companies take your credit score into account when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it might come into play for lots of drivers.

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, policyholders with good credit will often be rewarded with less expensive premiums.

So, which carrier offers the most affordable rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

GEICO 21st Century
Excellent Credit Score$131No Data Available
Good Credit Score$164No Data Available

If you have fantastic credit, GEICO will normally reward you. Improving your "good" credit score to an "excellent" one will usually save GEICO customers about $35. Because 21st Century, doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

GEICO 21st Century
Fair Credit Score$197No Data Available
Poor Credit Score$253No Data Available

Having bad credit can cost you with GEICO. If your credit score is in the "poor" range, at GEICO, you may pay around 20% more a month compared to those with "fair" scores (and even more 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 may find better rates with 21st Century over GEICO.


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

GEICO 21st Century
6,000 Annual Miles$181$139
12,000 Annual Miles$189$153

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance bill. That's because the fewer miles you put on your vehicle each year, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, 21st Century offers cheaper premiums than GEICO. GEICO average rates for drivers with 6,000 annual miles come in about $42 more expensive than 21st Century. Those who drive 12,000 miles every year can expect to pay around $36 more with GEICO over 21st Century.

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

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

GEICO 21st Century
Urban Areas$211$151
Suburban Areas$185$145
Rural Areas$159$141

When comparing these two companies side-by-side, 21st Century generally comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 11% with 21st Century compared to GEICO. People who live in suburban areas pay around 22% less with 21st Century compared to GEICO. For policyholders in urban ZIP codes, 21st Century Insurance's average premiums are about 28% less than GEICO.

GEICO vs. 21st Century 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.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by GEICO and 21st Century so that you can easily see which company offers the most discounts and, therefore, the largest savings.

GEICO 21st Century
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Commercial Drivers License Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Deluxe Discount 
Deployed Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Homeowner Discount 
Mature Driver Discount 
Military Discount 

GEICO knocks 21st Century out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than 21st Century.

Both carriers offer quite a few of the same discounts -- like anti-theft discounts, discounts for being a good driver, discounts for being a good student, and paperless discounts -- but GEICO also offers discounts for commercial drivers license, COVID-19 relief, deployed driver, and more.

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


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

So, we've broken down the average prices for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which company is the best carrier for you and your specific needs?

GEICO is best for you if....


21st Century is best for you if...

Hopefully, this guide helps you get a better idea of the difference between GEICO and 21st Century and that it aids in making a more informed decision about 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 carriers, not just GEICO and 21st Century. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.


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GEICO vs. 21st Century FAQs

Is GEICO or 21st Century cheaper?

21st Century is the more affordable of the two carriers when looking at national average premiums, with policies averaging $146 per month with 21st Century and $185 for GEICO.

Who is better, GEICO or 21st Century?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like. For example, GEICO is less expensive for drivers who have less-than-stellar credit scores, while 21st Century offers more affordable prices for drivers with an at-fault accident on their record.

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

Insurance companies use quite a few different factors when calculating the rates they charge. Things such as age, where you live, your driving record, gender, and sometimes even things like your credit score can all come into play. Both GEICO and 21st Century use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the auto 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. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't GEICO or 21st Century at all, but another you hadn't even thought of!


Methodology

All data in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of data to determine all of the average rates referenced above. All data is reported by each carrier to statewide insurance bureaus and is up-to-date as of July 1, 2021.

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