21st Century Insurance Company Review 2025

Trusted Choice's 21st Century Insurance Score

2 Stars

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We award 21st Century Insurance a final rating of 2 out of 5 stars. 21st Century has an excellent rating by the Better Business Bureau (BBB). However, many customer complaints have been filed through the BBB in recent years. Further, AM Best withdrew the carrier's financial strength rating in 2019.

21st Century was founded in 1958 and belongs to the Farmers Insurance family. 21st Century primarily conducts business virtually, through its website or email, or over the phone. This makes the company ideal for customers who aren’t interested in in-person meetings with their insurance agents.

While offering 24/7 roadside assistance is a nice perk, a concerning number of customer complaints clearly demonstrates that 21st Century still has plenty of room to grow in certain areas. Additionally, 21st Century offers fewer discounts than other comparable auto insurance companies and now only caters to customers in California. 

Customers have also reported expensive premiums, and our research found that 21st Century's auto insurance rates are mostly higher than average. Overall, we recommend looking into other auto insurance carriers with the help of your independent insurance agent.

21st Century Insurance Pros and Cons:

Pros:	Cons:
Longstanding carrier	Not BBB-accredited
Owned by Farmers Insurance	AM Best withdrew its financial strength rating in 2019
Offers car insurance to residents of California	Only one type of coverage available
24/7 claims service	Coverage is only sold in California
“A+” (excellent) rating by Better Business Bureau	Customers note high premiums with unexpected increases
Network of independent insurance agents	Many recent customer complaints filed through the BBB
Discounts available

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

21st Century Insurance Products by Type

A specialty insurance company, 21st Century only offers car insurance at the present time. Additionally, the carrier now only sells policies to residents of the state of California.

21st Century Insurance Car Insurance

You can buy full coverage and liability-only car insurance policies from 21st Century Insurance. While the carrier also advertises antique auto insurance, motorcycle insurance, ATV insurance, personal watercraft insurance, and boat insurance, customers are redirected to Foremost and Farmers Insurance to view coverage details and purchase those policies.

Coverage types, features, and benefits:

Roadside assistance

21st Century Insurance's auto insurance policies include complimentary roadside assistance coverage, depending on customer eligibility.

21st Century Insurance Car Insurance Average Prices

21st Century Insurance's average full coverage auto insurance rates are more expensive than average. A full coverage car insurance policy from 21st Century costs an average of $3,020, and a minimum coverage policy averages $558. California's current average cost of full coverage car insurance is $2,835 annually, while minimum coverage policies average $670. 

Here are some average car insurance rates from 21st Century by driver age in comparison to the current national average premium:

21st Century Insurance Annual Full Coverage Car Insurance Rates

21st Century Insurance's average car insurance premiums were considerably higher than the current national average rates across every driver age category we studied. Many 21st Century Insurance customers have detailed frustration with expensive premiums and unexpected increases over time.

Methodology

Average rates for car insurance were based on a sample driver who is 40 years old and has a clean driving record. The sample customer was quoted for an auto insurance policy with bodily injury liability coverage of $300,000 per accident and $100,000 per person, property damage liability coverage of $50,000 per accident, personal injury protection coverage of $100,000 per accident, and uninsured motorist bodily injury coverage of $300,000 per accident and $100,000 per person. The driver's collision and comprehensive coverages each had a $500 deductible.

What Discounts Does 21st Century Insurance Offer?

21st Century offers a handful of competitive discount programs for new and loyal auto insurance customers. These discounts include:

Your independent insurance agent can help you find even more information on discounts offered by 21st Century Insurance and other ways to save money through the insurance company, helping you find the coverage you need at the rate you deserve.

21st Century Insurance Customer Service

21st Century allows customers to handle customer service issues over the phone or online, any time of the week. The following services are available to assist customers with questions, concerns, or claims:

21st Century sells insurance primarily through independent insurance agents. These agents are also available to handle claims and insurance concerns for you, making customer service even easier.

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