21st Century vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

21st Century
80
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

21st Century VS USAA
80
96
What is this?
User Ratings
Options21st Century USAA
Rating/Reviews
443 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
Options21st Century USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
Options21st Century USAA
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageAmong the best
Overall SatisfactionAbout averageAmong the best
Rental ExperienceAbout averageBetter than most
Repair ProcessAbout averageAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
Region21st Century USAA
California822 pt
Better than most
894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
Region21st Century USAA
Android
870 Reviews
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
Options21st Century USAA
A.M. BestAA++
FitchBBB+AA+
Moody'sBaa1Aa1
Standard & Poor'sAAA+

Auto Insurance Quotes

For Married Drivers

City21st Century USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica$83$50

For Single Drivers

City21st Century USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica$145$89

For Male Drivers

City21st Century USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica$146$82

For Female Drivers

City21st Century USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica$82$57

For Drivers with Speeding Ticket

City21st Century USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica$170$115

For Drivers with No Speeding Ticket

City21st Century USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica$102$59

For Drivers Age Between 18-40

City21st Century USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica$165$95

For Drivers Age Between 40-65

City21st Century USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica$75$49

For Drivers Age of 65+

City21st Century USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica$67$48

For Drivers with Average Credit

City21st Century USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica$97$68

For Drivers with Fair Credit

City21st Century USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica$92$55

For Drivers with Good Credit

City21st Century USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica$90$55

For Drivers with Excellent Credit

City21st Century USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica$176$99

Quotes & Discounts

Discount type21st Century USAA
Good CreditUp to 60%--
Multiple VehicleUp to 30%Up to 13%
Passive RestraintUp to 30%Up to 15%
Good StudentUp to 20%Varies
Good DriverUp to 16%Up to 10%
OrganizationUp to 14%--
Multiple PolicyUp to 10%Up to 9%
teenSMARTUp to 10%Varies
Defensive DriverUp to 2%Varies
Accident FreeVaries--
Advance shopperVaries--
Affinity groupVaries--
Alcohol education awarenessVaries--
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Continuous CoverageVaries--
Daytime Running LightsVariesVaries
Driving trainingVariesVaries
E-billingVaries--
EV/HybridVaries--
Farm VehicleVaries--
Home OwnerVaries--
LoyaltyVariesVaries
Mature driverVaries--
MilitaryVariesUp to 15%
New CarVariesVaries
Paid in fullVaries--
Paperless documentsVaries--
Preferred paymentVaries--
PrepayVaries--
Provider SwitchVaries--
Response RatingVaries--
Senior AdultVaries--
Sponsored MarketingVaries--
Student Away at SchoolVariesUp to 20%
Accident Forgiveness--Varies
Family--Up to 10%
Low Mileage--Varies
Vehicle Storage--Up to 60%

Payment Methods

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

Features and Services

Features and Services21st Century USAA
24/7 serviceyesyes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional Coverages21st Century USAA
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Glass Coverage yes--
Mechanical Breakdown Insurance
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • 21st Century
  • USAA
  • Both

SR‌-22 Insurance by State

  • 21st Century
  • USAA
  • Both

Compare Insurance Products

Product21st Century USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insuranceyesyes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • 21st Century Reviews
  • USAA Reviews
3.9
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

Jay
Good service but not sure about the rates.
Mark
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
William
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
William
I think I paid too much I think I should be paid $30. I plan to change companies once my contract expires
Eddie
They were low on the price then price went up
nick
They raised my rates and I have no accidents
Yonko
citizen
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 .....
Luther
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.
SHERRY
Service was good
Showing 1 - 10 out of 443 reviews

Methodology

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.