21st Century vs AAA Car Insurance

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Last Updated: January 2022


Insurify Composite Score

21st Century
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Insurify Composite Score

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Insurify Composite Score

21st Century VS AAA
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User Ratings
Options21st Century AAA
443 reviews
411 reviews
U.S Auto Insurance Shopping Study (2018)
Options21st Century AAA
Call Center Representative--The rest
Insurer Website--The rest
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--About average
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
Options21st Century AAA
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageThe rest
First Notice of Loss (FNOL)About averageThe rest
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessAbout averageBetter than most
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
Region21st Century AAA
California822 pt
Better than most
840 pt
Better than most
Central--833 pt
Better than most
North Central--808 pt
The rest
Texas--821 pt
About average
Mobile App Ratings
Region21st Century AAA
870 Reviews
24,330 Reviews
737 Reviews
Financial Ratings
Options21st Century AAA
A.M. BestAA
Standard & Poor'sA--

Auto Insurance Quotes

For Married Drivers

City21st Century AAA
Santa Monica$83--

For Single Drivers

City21st Century AAA
Santa Monica$145--

For Male Drivers

City21st Century AAA
Santa Monica$146--

For Female Drivers

City21st Century AAA
Santa Monica$82--

For Drivers with Speeding Ticket

City21st Century AAA
Santa Monica$170--

For Drivers with No Speeding Ticket

City21st Century AAA
Santa Monica$102--

For Drivers Age Between 18-40

City21st Century AAA
Santa Monica$165--

For Drivers Age Between 40-65

City21st Century AAA
Santa Monica$75--

For Drivers Age of 65+

City21st Century AAA
Santa Monica$67--

For Drivers with Average Credit

City21st Century AAA
Santa Monica$97--

For Drivers with Fair Credit

City21st Century AAA
Santa Monica$92--

For Drivers with Good Credit

City21st Century AAA
Santa Monica$90--

For Drivers with Excellent Credit

City21st Century AAA
Santa Monica$176--

Quotes & Discounts

Discount type21st Century AAA
Good CreditUp to 60%Up to 10%
Multiple VehicleUp to 30%Up to 12.5%
Passive RestraintUp to 30%--
Good StudentUp to 20%Up to 14.5%
Good DriverUp to 16%Up to 20%
OrganizationUp to 14%--
Multiple PolicyUp to 10%Up to 11.8%
teenSMARTUp to 10%Up to 24%
Defensive DriverUp to 2%--
Accident FreeVaries--
Advance shopperVariesUp to 10%
Affinity groupVariesVaries
Alcohol education awarenessVaries--
Anti-Theft DeviceVariesUp to 17%
Anti-lock BrakeVariesVaries
Continuous CoverageVaries--
Daytime Running LightsVaries--
Driving trainingVariesVaries
Farm VehicleVariesUp to 59%
Home OwnerVariesVaries
LoyaltyVariesUp to 5%
Mature driverVaries--
New CarVariesUp to 10%
Paid in fullVariesUp to 7.8%
Paperless documentsVaries--
Preferred paymentVaries--
Provider SwitchVaries--
Response RatingVaries--
Senior AdultVaries--
Sponsored MarketingVaries--
Student Away at SchoolVariesUp to 30%
Current insurance--Up to 5%
Low Mileage--Varies
Original Owner--Varies

Payment Methods

Discount type21st Century AAA
Automatic Online Payment
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
Mobile App Payments
Money Transfer
Online Payment
Phone Payment

Features and Services

Features and Services21st Century AAA
24/7 serviceyesyes
Enhanced towing & substitute coverage--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional Coverages21st Century AAA
Accident Forgiveness
Accidental Death, Dismemberment, Disability
Antique or Collector Car Insurance
Comprehensive Claim Forgiveness
Electronic Key & Lock Replacement
Emergency Assistance Coverage
Emergency Lockout Coverage
First Aid Reimbursement
Gap Insurance
Glass Coverage yesyes
Mechanical Breakdown Insurance
New Car Replacement Coverage
Pet Coverage
Preferred Repair Services
Rental Reimbursement
Roadside Assistance
Umbrella Policy

SR‌-22 Insurance by State

  • 21st Century
  • AAA
  • Both

Compare Insurance Products

Product21st Century AAA
Car InsuranceCar Insuranceyesyes
Classic Car InsuranceClassic Car Insuranceyes--
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
RV InsuranceRV Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • 21st Century Reviews
  • AAA Reviews
5 Stars
50 %
4 Stars
20 %
3 Stars
10 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Tammy
Their reasonable rates, the ability to pay 6 month or 3 month premium, and it was easy to add or remove a vehicle on the policy online (and get proof of insurance the same way).

Most Critical Review

By Valmiro
Adjusters does not listen to customers and are too fast to blame their customers as at fault

All Reviews

Showing 1 - 10 out of 443 Reviews
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Read reviews that mention

Good service but not sure about the rates.
The prices are too high I got a quote for 108 for two cars one full coverage one standard so who do you think I should go with us if I stick with century 21 it's going to if I stick with century 21 it's going to be over$200 I call it price gouging the customer other insurance companies in are lower-priced
I was with Kipper insurance for $20 a month added a second vehicle my rates more than double so I switched on principle I keep getting offers for $38 a month still too high $25 a month is what I want to pay and I will find someone at that rate then I will switch again
I think I paid too much I think I should be paid $30. I plan to change companies once my contract expires
They were low on the price then price went up
They raised my rates and I have no accidents
This 21st century company are a bunch of morons !!! i had a policy with them .......i get paid on the 3rd of every month .....yet these IDIOTS don't get that if they take an auto payment on the 31 st there is not enough money to cover it since i wont have any money until the 3rd .....these morons took money on my payment on the 31st from my bank and made my checking account over drawn//i explain to these IDIOTS that i need to change the due date till the 5th since that how i always had it .....these IMBECILES !! don't seem to understand this issue .........anyone with logic and common sense would understand this problem......yet these MORONS don't want to fix this issue .....
I was given an online quote, I called in and was delayed on purchasing coverage because they said that my DL was suspended, so I emailed them the recently renewed license, then they put me on hold, come back and tell me the policy quote would be increased because the violation conviction date was November of 2018, the violation date was July 2017 as I disclosed on the application when I received the initial quote. Don't like that they used a technicality to price gouge me.
Service was good
Showing 1 - 10 out of 443 reviews


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.