Compare USAA vs. 21st Century Insurance

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USAA and 21st Century are both big names in the insurance industry. USAA was founded in 1922, and 21st Century was founded in 1958. Both companies have their strengths and weaknesses. For instance, both companies actually offer great customer service.

However, USAA only insures individuals in the military and their family members and 21st Century has fairly expensive insurance premiums. Still, both companies have excellent financial strength ratings and good ratings from the Better Business Bureau.

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

  USAA 21st Century
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
21st Century
  • You want good customer service
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

USAA 21st Century
USAA 21st Century

Standard Car Insurance Discounts

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

Consumer Complaint Data

USAA Car Insurance 21st Century Insurance
2016 245 4
2015 415 2
2014 380 9
2013 270 3

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

USAA 21st Century
USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. 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

USAA 21st Century
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.

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.