Compare AAA vs. 21st Century Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

21st Century and AAA are two top-rated companies in the insurance world. 21st Century was founded in 1958, and AAA was founded in 1905. While AAA is rated #1 in roadside service and offers a ton of discounts and coverage options, 21st Century provides excellent customer service and affordable premiums.

However, 21st Century is known to increase people’s rates, and AAA is disliked for its lack of timeliness in the event of a roadside emergency. Still, both companies have great financial strength ratings.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA 21st Century
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
21st Century
  • You want good customer service
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

AAA 21st Century
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA 21st Century
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance 21st Century Insurance
2016 4
2015 2
2014 9
2013 3

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance 21st Century Insurance
Overall Purchase Experience Average Below average
Policy Offerings Average Below average
Pricing Average Below average
Local Agent Average Below average
Call Center Representative Above average Below average
Insurer Website Average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance 21st Century Insurance
Overall Satisfaction Above average Average
First Notice of Loss Above average Below average
Service Interaction Above average Average
Appraisal Average Average
Repair Process Among the best Below average
Rental Car Experience Above average Average
Settlement Above average Average

Financial Strength Ratings

AAA Car Insurance 21st Century Insurance
A.M. Best A+ A
Moody's -- --
S&P's A A+

Mobile Apps

AAA 21st Century
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

21st Century

The 21st  iPhone app lets you view and pay insurance bills as well as have 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. Download the app for iPhone here

Roadside Assistance

AAA 21st Century
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. At no additional cost or no additional coverage on your policy, 21st Century gives policy holder access to 24-hour roadside service.

21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair facility. The cost of parts such as tires, batteries, belts and gasoline are not covered.

Roadside Services Covered

  • Towing
  • Jump start
  • Flat tire change
  • Gas delivery
  • Locksmith services

Contact Phone Number

The 21st Century Roadside Assistance Hotline: 1 (888) 244-6163.