21st Century Car Insurance Review (With Quotes, 2023)

Policyholders with 21st Century auto insurance spend an average of $120 per month on their auto insurance coverage, which comes out to $1,440 per year. Auto coverage from 21st Century is available in California, but many policyholders purchase coverage through parent company Farmers Insurance. Drivers benefit from many built-in insurance discounts.

21st Century Car Insurance Quotes by Driver History

Like most insurance providers, 21st Century calculates auto insurance rates with a methodology involving factors like policyholder driving records, credit score, age, vehicle type, coverage details, and more. Drivers with recorded DUIs, at-fault accidents, or speeding tickets tend to pay higher rates than policyholders with clean driving records.

21st Century Car Insurance Quotes by State

Geographic location typically influences the cost of auto insurance policies dictated by auto insurance companies. Factors that vary by location, like state and city infrastructure, state minimum coverage requirements, crime rates, population, weather, and climate, all impact why rates vary by area. Find the California average monthly rate for 21st Century coverage below.

21st Century Car Insurance Pros and Cons

Considering 21st Century’s pros and cons before deciding on coverage is a helpful way to learn if it meets your insurance needs. Auto insurance from the insurer is best for customers who value discounts, quality customer service, and mobile app accessibility. The insurer is not the best option for those who need either an extended warranty or commercial auto insurance.

21st Century Car Insurance Discounts

21st Century provides eligible customers with a number of standard discounts that lower premiums. Drivers save through the good driver discount, multi-car discount, mature driver discount, superior driver discount, and good student discount. Enrolling in paperless billing and autopay, taking a defensive driving course, and installing an anti-theft device also earn savings.

Read More About Discounts: Common Car Insurance Discounts

21st Century Car Insurance Coverage Options

Coverage from 21st Century insurance includes standard auto insurance offerings. Bodily injury liability and property damage liability cover the standard insurance requirements for policyholders. Together, this liability insurance covers medical bills, lost wages, and costs of repairs for another person’s vehicle or property in the event of an at-fault car accident.

Collision coverage is an additional insurance policy covering the costs of repairing car damage after a collision with another vehicle, and comprehensive coverage provides protection for non-collision incidents. Uninsured and underinsured motorist coverage provides protection for you and your passengers if you’re injured in an accident with an uninsured motorist.

21st Century Car Insurance Reputation

Customer reviews online indicate that drivers with 21st Century auto insurance policies have mixed reactions to the customer service through the company. Policyholders tend to appreciate communication and assistance on an individual level but express concerns related to the general response time throughout the claims process.

That said, 21st Century tends to have significant customer satisfaction in relation to the available discounts built directly into premiums. Drivers can earn savings through many discounts, with additional opportunities to save through actions as easy as enrolling in paperless billing and autopay.

21st Century Customer Service

Customers have access to 21st Century customer service representatives via email and over the phone. Claim inquiries can be sent through email to myclaim@21st.com or over the phone at 1 (888) 244-6163. To start a quote, potential customers can call 1 (877) 310-5687, and the general customer service line is 1 (877) 401-8181. Mailing and fax options are also available.

21st Century Claims Filing Process

Policyholders have access to claims coverage 24/7 through Farmers Claim Services via 21st Century’s parent company, Farmers Insurance Group. Customers submit claims online through the 21st Century website or over the phone at 1 (888) 244-6163. After filing a claim, customers will be contacted within 48 to 72 hours regarding setting up car damage evaluation and repairs.

21st Century – Is it right for you?

Whether or not 21st Century auto insurance is right for you depends on your individual insurance needs and personal details. Based on 21st Century insurance reviews, the provider works best for drivers looking for cheap auto insurance and discounts. Compare car insurance options with the Insurify quote-comparison tool to discover if the company matches your needs.