Comparing quotes is the best way to get your lowest rates from top insurers like USAA and 21st Century. QuoteWizard is an independent company that helps you find your right policy at your best rate.
USAA and 21st Century are both big names in the insurance industry. 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 discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
USAA
|
21st Century
|
| Worst If |
USAA
|
21st Century
|
| 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 |
| USAA Car Insurance | 21st Century Car Insurance | |
|---|---|---|
| 2016 | 245 | 4 |
| 2015 | 415 | 2 |
| 2014 | 380 | 9 |
| 2013 | 270 | 3 |
| USAA Car Insurance | 21st Century Car 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 |
| USAA Car Insurance | 21st Century Car 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 |
| USAA Car Insurance | 21st Century Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | Aaa | -- |
| S&P's | AA+ | A+ |
|
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here. |
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. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |
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. |