Let’s compare 21st Century Vs Progressive Insurance, which are two popular insurance providers. In every list of the top of insurance companies you will see both carriers. Progressive is currently the third largest auto insurer in the United States and 21st Century is the sixth largest in the U.S. We will help you with making the wisest decision by comparing prices, claims, financial ratings, and more.
Auto insurance Rates Comparison
On average Progressive offers cheaper insurance rates. Long ago they were known for offering affordable rates for high risk drivers, but today they are well-known for being one of the cheapest insurance carriers in the U.S. 21st Century is known for increasing premiums.
Progressive might be cheaper on average but to get the best rates you have to compare quotes. There are some states that might offer cheaper rates with Progressive and others that offer cheaper rates with Liberty Mutual. There are many different things that insurance companies look into to help them give the most precise rates. Make sure to get quotes today.
Auto Insurance Claims – The study was based on responses from over 11,000 policyholders who settled a claim six months prior to taking the 2017 J.D. Power survey.
21st Century received “about average” scores from J.D. Power. In the Auto Claims Study 21st Century received 3 out of 5 Power Circles in every category.
Progressive received 3 out of 5 Power Circles in every category except one. The only category that Progressive did not receive 3 out of 5 Power Circles in was the Rental Experience category. In the Rental Experience category Progressive received 4 out of 5 Power Circles.
Financial strength comparison
21st Century received an Excellent “A” rating from A.M. Best.
A.M. Best gave Progressive an “A+” rating. S&P and Fitch gave Progressive Insurance an “AA” financial strength rating.
Having a high financial rating does not mean that a company will pay out every claim, but it does mean that you can feel very secure with insuring with either company. Both companies have the assets available to pay out insurance claims. Smaller companies with bad financial ratings might be less generous with who they pay out to and for what claim they pay out to.
Availability
21st Century is available in all states except for Hawaii. Progressive is available in all states and Washington, D.C. Whether you need auto insurance in the state of Florida or New York you will not have a problem with either company.
Best states for auto insurance
- Maine
- Iowa
- Wisconsin
- Idaho
- North Carolina
- Vermont
- Ohio
Customer complaints – Better Business Bureau
BBB helps us to identify the trustworthiness of each insurance carrier.
Progressive Corporation currently has an “A-” rating from BBB. In the composite score Progressive received 3.3 out of 5 stars.
21st Century received an “A+” rating from BBB. In the composite score 21st Century received 3.68 out of 5 stars.
Discounts and features comparison
21st Century discounts
Mature discount – Drivers who are 55 years of age are eligible for this insurance discount if they complete an approved driving course. Discounts are available for 36 months.
Good student – Good students who are under the age of 25 and maintain a “B” average will qualify for this discount.
Clean Driving Record – If you don’t have points on your license, then you may be eligible for a discount with 21st Century.
Automobile Safety Features – If your vehicle is equipped with certain features, then you will qualify.
Multi-Vehicle Discounts – To qualify for this insurance discount you must insurance more than one vehicle.
Progressive discounts
Bundling auto & property – Combining your auto insurance policy with home insurance, condo insurance, and renter’s insurance will help you to save 5%.
Snapshot – Snapshot helps good drivers to save big on car insurance. Snapshot is one of my favorite usage-based programs in the insurance industry. With usage-based insurance you pay based on how much you drive and how you drive instead of the traditional factors. To get started all that you have to do is plug in your device into your car’s diagnostic port once you receive it. To help you to lower your insurance rates Snapshot takes into consideration things such as the time of day that you drive, sudden changes in speed, and more. Those who use Snapshot are able to save over $100 with safe driving.
Safe driver – On average, you will be able to save 31% with this insurance discount. To be eligible for this Progressive insurance discount you must have no tickets or accidents in the past 36 months.
Multi car – Average discounts for this Progressive discount is 10%. This is great if you have friends or family members who live with you. Some insurance companies who offer this discount such as State Farm restrict you to only insuring vehicles that belong to family members in your household. However, with Progressive the driver on this policy with you does not have to be a related individual.
Homeowner – With Progressive owning a home, condo, or mobile home means being able to save with their homeowner discount. The amount that you are able to save with this insurance discount varies.
Teen driver discount – Adding newly licensed teen drivers on to your insurance policy with this discount will help you to save on your policy. The amount that you will be able to varies.
Pay in full – If you would like to save with Progressive, then I recommend paying your insurance premium in full instead of paying your insurance premium on a monthly billing cycle. Paying in full will result in a significant amount of savings.
Roadside assistance
Progressive
There are many things that are included in Progressive’s Roadside Assistance service. Services include towing up to anywhere within 15-miles. You will be responsible for the cost of parts and repairs. Along with towing, you will receive winching services if your vehicle is ever trapped in snow, mud, water, or sand. You will even receive battery jump starts if your battery ever dies, fuel delivery if you run out of gas, locksmith service, flat tire change, and on scene labor of up to one hour.
21st Roadside Assistance
21st Century provides beneficial emergency roadside services at no additional cost to their customers. This program offers towing, lock-out services, gas delivery, etc. You will receive coverage for up to $75 in roadside services.
Mobile app comparison
The 21st Century mobile app is available for iPhone and Android. This app helps you to easily receive a quick policy quote, view and pay your insurance bill, view your policy, report and document claims, request emergency assistance, access informative articles/videos, and more.
Progressive offers various apps for their customers such as Flomoji, Snapshot Mobile, Safe Travels by Progressive. Their main app received positive reviews and comes packed with features such as viewing coverages, reporting and adding photos onto claims, getting in touch with your agent, and more. With Progressive Apple devices are able to login with their FingerPrint.
Bottom Line
This is a close battle. Although Progressive is easily the more popular insurance provider, they are almost identical when it comes to claims and financial strength. One thing that I like about Progressive is that they offer you more ways to save. I encourage you to take a minute to compare rates to see which insurance carrier gives better rates in your area.