21st Century Insurance Review & Ratings (2023)

This 21st Century Insurance Review will cover 21st Century Insurance ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The 21st Century Insurance A.M. Best rating is A, and the 21st Century Insurance S&P Rating is A+. To compare insurance rates from the best companies in your area, enter your ZIP code below.

UPDATED: Mar 6, 2023Fact Checked

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Mar 6, 2023

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Company Details
Address: 3 Beaver Valley Road
City: Wilmington
State: DE
ZIP Code: 19803
Phone Number: (302) 252-2000
Fax: (302) 252-2450
Website: 21st.com
AM Best Rating: A
S&P Global Ratings: A+

21st Century insurance is a wholly owned subsidiary of AIG insurance. The company was originally founded in 1958, and AIG announced in May of 2007 that it intended to purchase the company. The company specializes in special insurance, including motorcycles and high risk drivers, and reportedly insures more than 1.5 million vehicles.

21st Century insurance offers competitive rates and a variety of discounts for customers. Learn about the company’s history, products and services, and customer reviews in this comprehensive review.

  • Founded in 1958, 21st Century Insurance has a long history of providing quality car insurance to customers
  • The company offers a range of products and services, including liability, collision, and comprehensive coverage options
  • 21st Century Insurance is available in most states across the US

21st Century Insurance is a reputable car insurance company that has been in business for over 60 years. The company was founded in 1958 and has since grown to become one of the largest car insurance providers in the United States. They offer a range of products and services that are tailored to meet the needs of different types of drivers.

In this review, we will take a closer look at 21st Century Insurance, including the company’s history and mission, the main products and services they offer, the cost of those services, and the states where their services are offered.

We will also discuss the different types of discounts available to customers and how you qualify for them. Finally, we will provide an overview of customer reviews of the company and what customers are reporting as the company’s strengths and weaknesses.

History and Mission of 21st Century Insurance

21st Century Insurance was founded in 1958 by Louis W. Foster as an insurance agency selling auto policies underwritten by Farmers Insurance Group. In 2005, the company was acquired by AIG (American International Group) and became a wholly-owned subsidiary of AIG.

Today, 21st Century Insurance is one of the largest car insurance providers in the United States. The company’s mission is to provide its customers with quality insurance coverage at an affordable price.

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Coverage Options Available: 21st Century Insurance

21st Century Insurance offers a wide range of products and services to meet the needs of different types of drivers. The main types of coverage offered by the company include:

  • Liability coverage: This is the most basic type of car insurance required by law in most states. It covers the cost of damage or injuries that you may cause to another person or their property while operating your vehicle. It includes two types of coverage, Bodily Injury Liability, and Property Damage Liability.
  • Collision coverage: This type of coverage pays for damage to your own vehicle in the event of an accident, regardless of who is at fault. It covers the cost of repairs to your car or the cost of replacing your car if it is deemed a total loss.
  • Comprehensive coverage: This type of coverage pays for damage to your car from non-collision events, such as theft, fire, or natural disasters. It also covers the cost of repairs to your car or the cost of replacing your car if it is deemed a total loss.

In addition to these main types of coverage, 21st Century Insurance also offers a variety of additional coverage options, such as:

  • Roadside assistance: This coverage provides assistance in case of a breakdown or accident, such as towing, jump-starting a battery, or changing a flat tire.
  • Rental car coverage: This coverage pays for the cost of renting a car while your car is being repaired or replaced due to a covered loss.
  • Glass coverage: This coverage pays for the cost of repairing or replacing a damaged windshield or other glass on your car.
  • Customized equipment coverage: This coverage pays for the cost of repairing or replacing customized equipment, such as a sound system or customized paint job, in the event of a covered loss.

Overall, 21st Century Insurance offers a wide range of products and services to meet the needs of different types of drivers. The company’s main types of coverage include liability, collision, and comprehensive coverage, and they also offer a variety of additional coverage options.

The add-on coverage you can get from 21st Century includes roadside assistance, rental car coverage, glass coverage, and customized equipment coverage. The cost of these services will vary depending on factors such as the type of coverage, the make and model of your car, and your driving record.

Cost of 21st Century Car Insurance

The cost of car insurance with 21st Century Insurance will vary depending on a number of factors, including:

  • The type of coverage you choose: The cost of liability coverage is typically lower than the cost of collision or comprehensive coverage.
  • The make and model of your car: The cost of insuring a new luxury car will be higher than the cost of insuring an older economy car.
  • Your driving record: Drivers with a history of accidents or moving violations will typically pay more for car insurance than those with a clean driving record.
  • Your location: Car insurance rates can vary by state, so the cost of insurance will be different depending on where you live.
  • Your age, gender, and marital status: Young drivers, male drivers, and unmarried drivers are generally considered to be higher-risk and will typically pay more for car insurance.
  • Your credit score: Some insurance companies take credit score into account when determining rates and some states prohibit the use of credit-based insurance score in determining rates.
  • The amount of coverage you need: The more coverage you choose, the higher the cost of insurance.

It’s important to note that the cost of car insurance will also vary depending on the company you choose and the discounts you qualify for. The best way to get an accurate estimate of the cost of car insurance with 21st Century Insurance is to get a quote from the company.

When you get a quote, you will be asked for information about your vehicle, your driving record, and your coverage needs. The company will then provide you with an estimate of the cost of insurance based on that information.

Overall, the cost of car insurance with 21st Century Insurance will vary depending on a number of factors, including the type of coverage you choose, the make and model of your car, your driving record, your location, your age, gender, and marital status and the amount of coverage you need.

We recommend you get a quote from the company to get an accurate estimate of the cost of insurance and then compare that quote with other options from providers near you.

Insurance Discounts Available With 21st Century

21st Century Insurance offers a variety of discounts to customers in order to help lower the cost of coverage. To qualify for these discounts, customers will need to meet certain criteria. Some examples of discounts offered by the company and the criteria required to qualify for them include:

  • Good driver discount: To qualify for this discount, customers must have a clean driving record, with no at-fault accidents or moving violations in the past three years. The amount of savings will vary depending on individual circumstances.
  • Student discount: To qualify for this discount, customers must be full-time students under the age of 25 and maintain a “B” or better grade point average. The amount of savings will vary depending on individual circumstances.
  • Safe driver discount: To qualify for this discount, customers must complete a safe driving course. The amount of savings will vary depending on individual circumstances.
  • Multi-car discount: To qualify for this discount, customers must insure more than one vehicle under the same policy. The amount of savings will vary depending on individual circumstances.
  • Homeowners discount: To qualify for this discount, customers must own a home or be a renter. The amount of savings will vary depending on individual circumstances.
  • Anti-theft device discount: To qualify for this discount, customers must have an approved anti-theft device installed in their vehicle. The amount of savings will vary depending on individual circumstances.

It’s worth noting that the discounts vary by state and the savings will depend on individual circumstances, so the best way to know how much you can save is by getting a quote and seeing what discounts are available in your area.

Overall, 21st Century Insurance offers a variety of discounts to customers in order to help lower the cost of coverage. To qualify for these discounts, customers will need to meet certain criteria, such as having a clean driving record, being a full-time student, completing a safe driving course, insuring more than one vehicle, owning a home or being a renter and having an approved anti-theft device installed in their vehicle.

The amount of savings will vary depending on individual circumstances and by state.

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Customer Reviews of 21st Century Insurance

21st Century Insurance has a mixed reputation among customers. Some customers report that the company offers competitive rates and good customer service, while others have had negative experiences with the company.

Common complaints include issues with the claims process and difficulty getting in touch with customer service. However, customers generally praise the company for the variety of discounts they offer.

In Summary: 21st Century Insurance

Overall, 21st Century Insurance is a reputable car insurance company that offers a range of products and services at competitive prices. The company has a long history and is available in most states. They also offer a variety of discounts to customers, which can help lower the cost of coverage.

However, customers have had mixed experiences with the company, with some reporting issues with the claims process and customer service. It’s always recommended to compare different insurance quotes and reviews before making a decision.

Reviews
for 21st Century Insurance

3.93 (308 reviews)
1
February 7, 2023

acalord

No the same company it was now that Farmers has taken it ove

Having been with 21st Century car insurance for over 4 years now it's not what it used to be as of when Farmers Insurance took it over. Claims are a joke and you will be cheated out of the worth of your car when it comes to payment for damages or loss. First you are no longer dealing with the good old folks from the real 21st century co. instead you are now forwarded to Farmers which has a terrible reputation, lousy staff and adjusters. I have be...
Having been with 21st Century car insurance for over 4 years now it's not what it used to be as of when Farmers Insurance took it over. Claims are a joke and you will be cheated out of the worth of your car when it comes to payment for damages or loss. First you are no longer dealing with the good old folks from the real 21st century co. instead you are now forwarded to Farmers which has a terrible reputation, lousy staff and adjusters. I have been appalled with the service. The only site has gone cheap and useless, most of the options don't work like changing a credit card for autopay. Resetting your password is a nightmare. forcing you to change your password is done without notice, they will make you try your password many time till you finally figure out they demand changing it and don't inform you. Calling to fix problems online they will charge you account $3 calling fee. Can you bevel that? Plus the robot call will ask so many useless questions wasting time then tell you no one is available and hang up. Its time to dump 21st century all Farmers did was take a good company over and destroy everything
5
December 15, 2020

hmegens1941

HM 21st Century review

I have been with this company since 2013. They were there to help me through a tough time when I had my accident. Service was superb.
2
August 25, 2020

naq71

No price matching/Nothing for loyal customers

This is a great company who has helped me every single time I’ve needed them. For that, 4.5 stars. However, this month I got a quote from AAA. I then back to 21st and they said they don’t price match so I changed insurances. I’m deeply disappointed and a bit saddened. I’ve had 21st.com for around 30 years, and in the time of COVID-19, they are willing to let a good customer go after 30 years of loyalty? Wow! I guess that’s ok with them...
This is a great company who has helped me every single time I’ve needed them. For that, 4.5 stars. However, this month I got a quote from AAA. I then back to 21st and they said they don’t price match so I changed insurances. I’m deeply disappointed and a bit saddened. I’ve had 21st.com for around 30 years, and in the time of COVID-19, they are willing to let a good customer go after 30 years of loyalty? Wow! I guess that’s ok with them because they had no care that I wanted to change companies after my insurance went up $100+. Yes, I added a new car, but even when I added a 2006 Lexus the price went up $100 then as well. My total was $414 per month, and that was low-medium coverage! I helped AAA will treat me as well, but I am so disappointed. 😢😤
1
December 13, 2019

Mometh bousso

21st Century Insurance review

This insurance not good never put your car there bad costumer service I have a accident and I was paying full coverage but they never pay me
2
December 9, 2019

spicy77

Incessant rate increase make 21st Century a poor choice.

In general this company is known for having the lowest rates in town but over the last five years I have noticed my rates going up over time. I have never had an accident and the company is supposed to reward you for this, but my rates keep going up. I am at the point that if I get another rate increase in the next six months, I am going to bail and go with another provider.
5
October 1, 2019

mikedupont

21s century company review

i actually enjoyed the experience but since i found a better alternative i canceled it, but it is really a good company they deserve their good reputation.
5
August 18, 2019

hong7879

Fair and easy

Very knowledgeable about services. Gave me option and help me find the best needed policy. Friendly.
5
August 13, 2019

Elkani

Best!

Excellent customer service and great low prices! I got tue lowest quote vs other companies. I definitely recommend them.
4
July 31, 2019

IXB831

Great!

One of the best insurance companies I've ever used! The price on my insurance policy was the lowest ever!
5
July 26, 2019

pataylor

Very satisfied customer.

They always paid on claims with no problem. They have by far the lowest rates on auto insurance in my area, and their roadside assistance is very reliable. I don't drive anymore otherwise they would still be my company. I was very satisfied with their service.
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