21st Century Insurance Review & Ratings (2024)

Car insurance from 21st Century typically stays close to the national average. At $56 per month, 21st Century minimum car insurance rates are slightly higher than the national average, while full coverage is a bit lower at $148. However, 21st Century Insurance is only available in California.

UPDATED: Dec 24, 2023Fact Checked

Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Insurance Agent

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

UPDATED: Dec 24, 2023

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

UPDATED: Dec 24, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Dec 24, 2023Fact Checked
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21st Century Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A (Excellent)

Complaint level:

Med

Pros

  • Competitive rates, especially beneficial for individuals with a DUI.
  • Wide range of coverage options, including add-ons like roadside assistance and rental car coverage.
  • Streamlined claims process with multiple convenient options for filing.
  • User-friendly mobile app and online account management.
  • Offers various discounts to help lower the cost of coverage.

Cons

  • Limited availability, only sells car insurance in California.
  • Mixed customer reviews, with some reporting issues with the claims process and customer service.
  • Complaints about difficulty reaching customer service.

Final Verdict: Review of 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.

What You Should Know About 21st Century Insurance

What You Should Know

  • 21st Century car insurance rates are $56 per month
  • You can only purchase car insurance from 21st Century in California
  • 21st Century receives a high number of complaints about its customer service

21st Century Insurance has been part of the Farmers family for more than a decade. It only sells car insurance in California, but you’ll have access to Farmers’ ample list of policy options if you want to expand your coverage.

It might not be the best car insurance in your state, but 21st Century’s low rates make it worth checking out, particularly if you have a DUI. Read on to learn more about 21st Century Insurance, including rates, discounts, coverage options, and what customers have to say. Then, compare other California car insurance companies to find the best policy for your vehicle.

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.

21st Century Insurance Coverage Options

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.

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21st Century Insurance Rates Breakdown

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.

21st Century Insurance Discounts Available

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.

Claims Process With 21st Century Insurance: Streamlined Claims Handling

Ease of Filing a Claim

21st Century Insurance offers multiple convenient options for filing claims, ensuring a streamlined process for its customers. Claims can be filed through their online platform, over the phone, or via their mobile app. This flexibility allows policyholders to choose the method that suits them best, enhancing the overall claims experience.

Average Claim Processing Time

The average claim processing time at 21st Century Insurance is a crucial factor for customers. Although specific times may vary based on the complexity of the claim, the company strives to maintain an efficient claims process. Customers can generally expect prompt handling and resolution of their claims, providing them with the necessary support during challenging times.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback on claim resolutions and payouts at 21st Century Insurance varies. Some customers report satisfactory experiences, praising the company’s fair claim resolutions and timely payouts. However, others express concerns regarding the claims process and payout delays. Collecting and addressing customer feedback is essential for continuous improvement and ensuring a better claims experience.

Digital and Technological Features by 21st Century Insurance: Modern Solutions

Mobile App Features and Functionality

21st Century Insurance offers a user-friendly mobile app that provides convenient features and functionality for policyholders. The app allows customers to manage their policies, view insurance documents, file claims, and track claim status. Additionally, it offers useful tools to calculate quotes and explore coverage options, enhancing accessibility and efficiency for users on the go.

Online Account Management Capabilities

The online account management capabilities provided by 21st Century Insurance empower customers to have easy access to their policy details and manage their accounts efficiently. Through the online platform, policyholders can review and update their coverage, make payments, request policy changes, and access important documents, providing them with a seamless and convenient digital experience.

Digital Tools and Resources

21st Century Insurance offers a range of digital tools and resources to support their customers in making informed insurance decisions. These include educational resources, coverage calculators, and information about discounts available.

These digital resources help customers navigate their insurance options and understand the benefits and features associated with their policies, ensuring they have the information needed to make well-informed choices.

How 21st Century Insurance Ranks Among Providers

While 21st Century Insurance operates as a notable car insurance provider, several competitors vie for market share within the industry. Each competitor brings its own set of features, strengths, and customer experiences to the table. Let’s delve into the main competitors of 21st Century Insurance:

  • Progressive Insurance: Progressive is a well-established auto insurance company known for its innovative approaches, including the widely recognized Snapshot program that rewards safe driving. They offer a variety of coverage options beyond the standard, and their user-friendly online platform is praised for making the quoting and claims processes efficient.
  • Geico: Geico, Government Employees Insurance Company, has gained prominence for its direct-to-consumer model and extensive advertising campaigns. Known for competitive pricing, Geico provides a range of coverage options and discounts. The company’s mascot, the Geico gecko, has become synonymous with their brand.
  • State Farm: As one of the largest insurers in the U.S., State Farm offers a wide array of insurance products, including auto insurance. Known for its extensive agent network, State Farm provides a personalized touch with local agents while also offering online services.
  • Allstate: Allstate is a major player in the insurance industry, providing a range of coverage options and additional features like the Drivewise program for personalized discounts. Their emphasis on safe driving and innovative technologies sets them apart.

As customers navigate the landscape of auto insurance, these competitors present diverse options in terms of pricing, coverage, and customer experience. Choosing the right insurer involves considering individual needs, preferences, and the specific strengths each competitor brings to the table.

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.

Frequently Asked Questions

How can I find out about the discounts available for auto insurance from 21st Century?

To find out about the discounts available for auto insurance from 21st Century, you can visit their website, contact their customer service hotline, or speak with a 21st Century insurance agent directly. They will be able to provide you with information on the discounts they offer and help determine which ones you may qualify for based on your specific circumstances.

What is 21st Century Insurance?

21st Century Insurance is an insurance company that offers a range of personal and commercial insurance products. It was founded in 1958 and is currently headquartered in Wilmington, Delaware.

What types of insurance does 21st Century Insurance offer?

21st Century Insurance offers a range of personal insurance products, including auto insurance, homeowners insurance, renters insurance, and flood insurance. They also offer commercial insurance products, such as general liability insurance, workers’ compensation insurance, and commercial auto insurance.

How do I get a quote from 21st Century Insurance?

You can get a quote from 21st Century Insurance by visiting their website and filling out the online quote form, or by calling their customer service hotline.

Is 21st Century Insurance a reputable company?

21st Century Insurance has received mixed reviews from customers and has a rating of 3.5 out of 5 on Trustpilot. However, they are a financially stable company with an A+ rating from AM Best, indicating that they have a strong ability to meet their financial obligations.

How do I file a claim with 21st Century Insurance?

You can file a claim with 21st Century Insurance by calling their claims hotline or by logging into your account on their website and submitting a claim online. Be sure to have your policy information and details about the incident ready when filing a claim.

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Jimmy McMillan

Licensed Insurance Agent

Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...

Licensed Insurance Agent

Brandon Frady

Licensed Insurance Agent

Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Reviews
for 21st Century Insurance

3.71 (311 reviews)
1
September 6, 2023

Crisssy_

Horrible insurance carrier

Horrible company. There is none picking up the calls in time of need. They keep billing but none is available to talk. Do not get this insurance or you will be left hanging.
1
June 16, 2023

Andie_Alcantar

Crapy n expensive

This insurance is horrible , good luck ever getting a representative, it takes hours n I'm not exaggerating 2 speak 2 some n majority of the time they hang up on u, been wth them 4 10 years, no tickets or accidents n every year it goes up $100 or more its time 2 go
1
April 6, 2023

BruP

Not Responsive at all.

I had 21st-century insurance for some time. Everything was great, up until about 3 years ago. Apparently, the company got sold to another Insurance company. Since I purchased my car, I've tried calling and sending numerous emails about changing my policy. I was on hold for almost an hour every time, and no one answered. I didn't receive a single response via email. I have been trying to reach them for months and there was no cancelation section ...
I had 21st-century insurance for some time. Everything was great, up until about 3 years ago. Apparently, the company got sold to another Insurance company. Since I purchased my car, I've tried calling and sending numerous emails about changing my policy. I was on hold for almost an hour every time, and no one answered. I didn't receive a single response via email. I have been trying to reach them for months and there was no cancelation section on their website. I finally got fed up and sent them a cancelation email and along with removing my auto-pay option. They got back to me imminently, approving my cancelation. This shows that they were not responsive when I was trying to change my policy for a cheaper rate, but ok w/ me canceling my plan after being a customer for more than +6 years. The moral of this review is that they are not responsive at all.
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.
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