Comparing quotes is the best way to get the lowest rates from top insurers like State Farm and 21st Century. QuoteWizard is an independent company that helps you find the right policy at the best rate.
A couple of the biggest names in the auto insurance world are State Farm and 21st Century. State Farm has great customer satisfaction scores. 21st Century has great customer service.
However, 21st Century premiums are fairly high. And State Farm requires a lot of personal information to obtain a quote. Nevertheless, both companies have excellent financial strength ratings.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
State Farm
|
21st Century
|
| Worst If |
State Farm
|
21st Century
|
State Farm
Commercial Auto InsuranceIf you’re a business owner and have vehicles (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you if an employee driving one of your business vehicles gets into an accident. There are multiple coverage options for commercial auto insurance:
There’s also Employers Non-Owned Liability Coverage (ENOL). This policy covers you if any of your employees use their own cars for business purposes. If they get into an accident, you won’t suffer any financial losses. Classic Car InsuranceState Farm provides coverage for customers who own classic or antique cars. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance. The coverages for this type of policy are:
|
21st Century |
| Bundling Coverage Discounts | State Farm | 21st Century |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | State Farm | 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 | State Farm | 21st Century |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | State Farm | 21st Century |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | State Farm | 21st Century |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | State Farm | 21st Century |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| State Farm Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| 2016 | 105 | 4 |
| 2015 | 155 | 2 |
| 2014 | 178 | 9 |
| 2013 | 135 | 3 |
| State Farm Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Above average | Below average |
| Policy Offerings | Above average | Below average |
| Pricing | Average | Below average |
| Local Agent | Among the best | Below average |
| Call Center Representative | -- | Below average |
| Insurer Website | Average | Among the best |
| State Farm Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| Overall Satisfaction | Average | Average |
| First Notice of Loss | Average | Below average |
| Service Interaction | Above average | Average |
| Appraisal | Average | Average |
| Repair Process | Above average | Below average |
| Rental Car Experience | Average | Average |
| Settlement | Average | Average |
| State Farm Auto Insurance | 21st Century Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | Aa1 | -- |
| S&P's | AA | A+ |
|
State Farm
State Farm has seven mobile apps for your smartphone or web browser that can manage your insurance policies. Pocket AgentThis app lets you:
You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login. CarCaptureThis app is powered by Edmunds.com, a car shopping website. The app recognizes any vehicle you take a picture of from the back. It can tell you anything you want to know about it. You can learn its market value and even locate a nearby dealership. You could even do this while getting a State Farm auto insurance quote. Steer ClearThis app encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences. Driver FeedbackThis an app for drivers of all ages looking to improve their driving habits. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. The app uses your phone’s accelerometer to measure and score these areas. And then it provides you with tips based on your results. Driver Feedback Instructor EditionThis app was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback. Drive Safe & Save MobileThis app is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan. MoveToolsThis app makes the moving process that much easier. You can use MoveTools to virtually pack your belongings. The app has a feature that let you label your boxes and write down each one’s contents. That can help you keep track of them during the move. Click here to learn more and download any of these State Farm mobile apps.
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21st Century
The 21st iPhone appThis mobile app lets you view and pay insurance bills. You also get 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. |
State Farm
State Farm Emergency Road ServiceThis service can help if you need:
Or if your car is stuck somewhere. Roadside Assistance Services Covered
Services Not Covered
Contact Phone NumberState Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. You can visit the State Farm Roadside Assistance website here. |
21st Century
21st Roadside AssistanceAs a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. 21st Century gives policy holder access to 24-hour roadside service for no extra cost. 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 shop. The cost of parts such as tires, batteries, belts and gasoline are not covered. Roadside Services Covered
Contact Phone NumberHotline: 1 (888) 244-6163. |