21st Century vs. USAA Car Insurance [2022]

Are you on the hunt for cheap car insurance? We're here to help. In this article, we compare 21st Century vs USAA. Each company has something to offer. While USAA is designed for military members and 21st Century is designed to work with their partners to build unique policies. Read on to learn more about 21st Century and USAA car insurance policies.

UPDATED: Jun 22, 2022Fact Checked

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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Here's What You Need to Know...

  • Both companies offer the basic coverage required in the USA.
  • Both companies service a large part of the US.
  • USAA is only accessible to military members, their spouses, and their children.
  • 21st Century insurance is more flexible in its membership but offers fewer coverage options directly.

Are you on the hunt for cheap car insurance? It can be easy to get overwhelmed when you start comparing all the different companies and types of coverages that are out there. Your service option is going to depend on a few personalized factors that you may have already set.

Most people will look at not only what coverage options are offered, but also how quickly a company responds to claims, what the payments look like, and if customer satisfaction is upheld. Since auto policies are usually purchased for vehicles that drivers tend to have for a while, it makes sense that they’re going to want protection against anything that could happen. 

Plus, there’s the business side of things as well. Most providers look into a person’s driving record, credit score, whether they pose as a financial risk, what their payment history has looked like, and what level of coverage they’re looking for. Some will use all of these factors when figuring out your insurance cost, others may only use a handful. See where it could get overwhelming? 

To help you out, we’ve compared two of the bigger insurance companies on the market – 21st Century vs. USAA. Each company has something great to offer, so keep reading to learn more.

Ready to start looking at quotes from insurance companies near you? Enter your ZIP code above to get started.

21st Century: Who are they? 

The first option we’re looking at is 2st Century. 21st Century is a part of the Farmer’s Insurance group. They are active in almost all of the United States, working with a variety of underwriters to offer coverage to the vast majority of Americans.

21st Century insurance primarily offers car insurance. This means that if you want to protect yourself and your vehicle from accidents or any other sort of damage that may occur on the road, or even in your driveway, you may want to take a look at what auto policies they offer. However, as part of the Farmer’s Insurance group, they are partnered with other great companies to provide their customers with additional insurance types.

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USAA: Who are they? 

USAA is an insurance provider explicitly designed for members of the USA armed forces. This means that only those members, their spouses, and their children are able to enroll.

While USAA is not available for everyone, for those that qualify for membership, there are a plethora of services available. Once you have a USAA login you will have access to much more than just car insurance.

USAA also offers various other insurance types, from life to homeowners, and more. They also offer optional coverage for your vehicles, as well as quite a few discounts. They also offer options for banking, investments, retirement, and mortgages. Applicable customers could easily have their medical payments covered as well as any damage done to their vehicles through the various medical and life insurances that they have as well. 

What coverage do they offer?

Both companies offer the most common types of car insurance coverage, including:

  • Bodily injury liability coverage
  • Property damage liability
  • Collision coverage
  • Comprehensive coverage
  • Un/Underinsured motorist coverage
  • Antique/classic coverage

When it comes to more specialized insurance coverage, each company offers these things but very differently. Specialized coverages include:

  • Ride share
  • Rental car coverage
  • Boat coverage
  • ATV coverage
  • Fleet coverage

21st Century does not offer these types of coverage directly, instead, they partner with other insurance companies to provide them, according to their website.

USAA offers these specialized coverages directly, which can be more convenient if you are looking for a single insurance provider and hoping to bundle insurance policies.

Where is coverage available?

USAA offers coverage in all fifty states, DC, and some international locations, according to their website.

21st Century Insurance offers coverage in all US states other than Massachusetts and Hawaii. You can check to see whether they service your location via the internet or calling and speaking to an agent. Don’t be surprised if the coverage descriptions and prices change depending on where you’re located – this is common practice. 

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What discounts are available?

Both 21st Century and USAA insurance offer a wide array of discounts to their customers. Many of these discounts, while their names may differ, cover the same circumstances.

Driver discounts: These types of discounts usually revolve around avoiding at-fault accidents or attending training or courses. Some of the most common types are good student car insurance discounts, responsible driver discounts, and defensive driving discounts.

Both companies offer several of these types of discounts under different names, check out the full list below.

21st Century USAA
Good DriverSafe Driver
Superior DriverDefensive Driving
Good StudentDriver Training
Mature DriverGood Student
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Vehicle discounts: Vehicle discounts are discounts related to the vehicle or vehicles you have on your policy. Both companies provide basic discounts for vehicle safety features, such as anti-locking breaks, anti-theft, and airbags.

However, USAA does offer an additional, unique discount called the vehicle storage discount. This is a pertinent discount for military members who often have to store their vehicles during deployment.

Other discounts: Below we’ve listed some miscellaneous discounts offered by each company according to their respective websites. Keep in mind that this does not mean that these are the only discounts available.

21st Century USAA
Paperless Billing DiscountFamily Discount
Autopay DiscountLength of Membership Discount
Military Installation Discount
Insurance Bundling Discount
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What about customer satisfaction ratings? 

According to the 2020 JD Power Auto Insurance Study, USAA scored 878 in the overall customer satisfaction index while Farmers, the parent company of 21st Century, scored 812.

While both scores are good, USAA currently has the highest score of the larger insurance companies listed. It does not get to be officially ranked number one due to its membership requirements, however.

Farmers is currently in second-to-last place. When someone is looking into signing on with a company, they’re going to want to see a few things, and a high customer service rating is normally among them.  

Which car insurance company is right for you? 

Depending on your circumstances, both 21st Century and USAA have their benefits.

One of the first things to take into consideration is that USAA is only available to US Military members, their spouses, and their children. If you are not in one of those groups, then this company is not for you.

However, if you are a military member, the versatility of USAA in providing various insurance and other financial services makes it a great company to look into.

21st Century, while available to everyone regardless of their military status, does offer fewer types of coverage directly.

Their ability to partner with other great companies to provide additional insurance types can be seen as a benefit. You are not just working with one company but many, ideally getting the best deals each can offer.

In the end, the most important thing to remember when shopping for car insurance is to shop around. See what additional coverage options are out there. There are so many possibilities for all types of vehicles, and for budgets of all sizes. Having even the most basic protections could prevent financial disaster in your future. Get quotes from all the companies that are available in your area and provide the coverage you want.

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