Compare Progressive vs. 21st Century Insurance

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Which Company Will Save You the Most Money?

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Progressive and 21st Century are top-rated companies in the insurance industry. Progressive was founded in 1937, and 21st Century was founded in 1958. Progressive was ranked # 9 auto insurer in 2015. Additionally, Progressive also offers great coverage and good-driving rewards but has some of the lowest customer satisfactions scores in the industry.

Whereas, 21st Century has excellent customer service, but has a habit of raising insurance premiums by a lot. Nevertheless, 21st Century and Progressive have excellent financial strength, and good J. D. Power rankings.

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

  Progressive 21st Century
Best If Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
21st Century
  • You want good customer service
Worst If Progressive
  • You don’t want a lot of solicitations
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

Progressive 21st Century
Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for you based on your financial abilities. Finding which insurance policy best fits your budget can be done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your price preferences. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: Now that you have the perfect policy, you can buy it and get the savings as well as the protection you need.

Snapshot with Progressive
Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for individuals to save money. All you have to do is drive smart. To find out more about Snapshot or purchase one, click here.

21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts Progressive 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Progressive 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 Progressive 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Progressive 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Progressive 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Progressive 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Progressive Car Insurance 21st Century Insurance
2016 77 4
2015 153 2
2014 102 9
2013 34 3

U.S. Auto Insurance Shopping Study (2016)

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

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

Progressive Car Insurance 21st Century Insurance
Overall Satisfaction Average Average
First Notice of Loss Average Below average
Service Interaction Average Average
Appraisal Average Average
Repair Process Below average Below average
Rental Car Experience Average Average
Settlement Average Average

Financial Strength Ratings

Progressive Car Insurance 21st Century Insurance
A.M. Best A+ A
Moody's Aa2 --
S&P's AA A+

Mobile Apps

Progressive 21st Century
Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims representative, and offers you 24/7 roadside assistance. You can download the app here.

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

Progressive 21st Century
Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is available to drivers who have experienced non-accident related car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair facility
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events Progressive covers in a six-month period may not exceed your policy limit in order for coverage to apply.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.

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.