Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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If you live in California, you might have considered 21st Century as an option for car insurance. This company is owned by Farmers Insurance, and its coverage is limited solely to residents of the Golden State.
You might also find it tough to get any definitive information about how 21st Century auto insurance works. Fortunately, the company offers information on several discounts. Here’s what you should know about 21st Century so that you can determine if you want to consider this insurer for your next car insurance policy.
Quick Facts
21st Century is considerably more expensive than most other insurers.
21st Century used to offer a mobile app, but it’s seemingly no longer available.
The company’s customer service seems to have taken a significant nosedive, with hundreds of reports of customers being unable to reach anyone at the company in a timely manner.[1]
How 21st Century stacks up
Insurify compared 21st Century to other lesser-known insurance companies, including AssuranceAmerica, American Alliance, First Chicago, and Anchor. Although details are also sparse for these options, a few key trends emerged.
Compared with these insurance companies, 21st Century charges higher rates and is available in a far smaller geographic area (just one state). Customer service availability and ratings, as judged by the number of complaints lodged against each company with the National Association of Insurance Commissioners (NAIC) tended to be roughly similar, however.
This table shows you how 21st Century stacks up against other similarly sized insurers.
Factor
How 21st Century Compares
Rates
Higher
Customer service
Similar to competitors
Discounts
Similar to competitors
Availability
Significantly less
Average cost of 21st Century auto insurance
21st Century charges an average premium of $112 for liability-only coverage and $228 for full coverage in California, the only state where it offers policies.
This is more expensive than the nationwide average of $105 and $196 per month for liability-only and full-coverage policies. It’s also higher than the statewide average for California, at $102 and $237 for liability-only and full coverage per month, respectively.
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21st Century’s rates start at $112 per month for liability coverage
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21st Century Insurance reviews and ratings
21st Century may not provide a lot of up-front information that potential customers need to know to make an informed decision, but you can gain a better understanding by looking at outside reviews and ratings.
21st Century customer reviews
Read reviews from verified 21st Century customers.
Glenn - January 6, 2025
Verified
Shopping Insurance as a Senior Citizen
The average premium is too high.
Jerry - December 9, 2024
Verified
Too Costly!
The problem is that the price increases by at least $100.00 every 6 months. I can't afford them.
Richard - November 30, 2024
Verified
Toggle is the Best
Choose it for cost savings, as it's all online!
Richard - October 28, 2024
Verified
Would Like to Renew My Policy
This is the best bargain anywhere for full coverage on a brand new car.
…
21st Century ratings
Insurance is an important financial transaction, and that’s why many organizations have come up with rating systems to measure the quality of an insurance company in terms of customer satisfaction and financial strength.
Here are the most common metrics available for 21st Century:
AM Best: A (Excellent)
J.D. Power: Not rated
S&P: A
Moody’s: Not rated
NAIC Complaint Index: 1.86 (higher than average)
21st Century car insurance coverage options
Unfortunately, 21st Century doesn’t provide any definitive information about the specific insurance products it offers. Given that the state of California requires drivers to purchase a minimum amount of insurance, you can infer that 21st Century at least offers these types of standard coverages:
Bodily injury liability
Bodily injury liabilityoffers legal support and compensation in case you injure someone else while driving, such as by causing a car accident or hitting a pedestrian.
Property damage liability
Property damage liability offers compensation and legal assistance in case you damage someone else’s property, such as their motor vehicles.
21st Century offers full-coverage policies as well. There isn’t any standard definition on what’s included in a full-coverage policy, but it typically includes the same protections as liability insurance as well as these types of coverages for your own vehicle:
Collision coverage
Collision coverage offers compensation to fix or replace your car if it’s damaged while you’re driving it, whether you’re at fault or not.
Comprehensive coverage
Comprehensive coverageprotects your car against damage from hitting wildlife or while you’re not driving the car, such as from storms.
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21st Century car insurance cost by state
Your quotes for car insurance depend on many factors, and one of the biggest is where you live. Some states are deemed riskier than others, and your rates can even vary by ZIP code.
Given that 21st Century is only available in the state of California, it’s hard to compare how prices would be different in other states.
However, remember that while 21st Century is only available in California, its rates tend to exceed state averages.
State
Average Quote: Full Coverage
Average Quote: Liability Only
California
$375
$152
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
21st Century auto insurance rates by driving history
Unsurprisingly, your driving history also plays a significant factor in how much you’ll be charged for car insurance. The cleaner your driving record, the more you’ll save on car insurance in general.
In addition, 21st Century also offers a couple discount options based on your driving record. You can save a minimum of 10% off your premium if you haven’t had any negative marks on your record in the past three years. If you go for five years or longer, that could help you score the lowest rates of all, with a discount of up to 20%.
Here’s the monthly cost for various 21st Century insurance policies for drivers with a clean record and drivers with common infractions.
Driving History
Average Quote: Full Coverage
Average Quote: Liability Only
Clean record
$375
$152
With speeding ticket
$484
$196
With at-fault accident
$488
$198
With DUI
$581
$235
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
21st Century car insurance cost by age
Your age also has an effect on your risk level as a driver. Younger drivers generally pay the highest rates of all, while older drivers pay less until they become seniors — at which point their insurance costs tick up slightly.
21st Century offers a 15% discount for students younger than 25 who receive a grade of “B” or better (it’s not clear if that’s GPA-based or any grade for individual classes). Drivers older than 55 can qualify for a 2% discount if they take a defensive driving course.
Here are the monthly average premiums that 21st Century insurance charges to people of different ages.
Age Group
Average Monthly Quote
Teens
$199
20s
$154
30s
$120
40s
$121
50s
$102
60s
$89
70s
$95
80+
N/A
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
21st Century car insurance discounts
You’ve already read about a few of 21st Century’s car insurance discounts. But to give you a complete picture of these offerings, here’s the full list of its discounts, along with the amount.
Discount
% Discount
Good driver
20% or higher
Superior driver
10%–20%
Good student
15%
Mature driver
2%
Multi car
Varies
Anti-theft device
15%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
21st Century vs. other insurance companies
Car insurance companies are abundant in California, and 21st Century isn’t your only option when it comes to purchasing a policy. Here’s how the company compares to similar insurers:
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
21st Century
$112
$228
6
AssuranceAmerica
$147
$266
5
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
21st Century vs. AssuranceAmerica
AssuranceAmerica’s website looks like it was updated more recently, although it’s still frustratingly light on important details. It doesn’t discuss the discounts it offers (21st Century offers six). 21st Century is also more generous in that it offers roadside assistance at no extra cost with all plans. This is a paid option with AssuranceAmerica.
Neither company has a good reputation when it comes to customer complaints, but AssuranceAmerica’s is worse, with an average NAIC customer complaint rating of 3.43 versus 1.86 for 21st Century.[2] A score of 1.00 is the average. Scores that are higher, like these two insurers, indicate a higher-than-average amount of complaints for a company of its size.
However, AssuranceAmerica does have one big advantage over 21st Century: It’s available in 23 more states, and you can actually get a quote online versus having to call a phone number and getting no response for hours or days or weeks.
21st Century vs. American Alliance
American Alliance specializes in high-risk coverage for people who may have trouble getting affordable insurance through other options, such as drivers who have a DUI on their record. Unfortunately, American Alliance provides no details on its coverage options and pricing other than listing four potential discount options.
In fact, American Alliance’s website seems geared more toward swaying insurance agents looking for companies to partner with rather than individual customers looking to buy their own coverage. Like 21st Century, you can’t get a quote online. American Alliance requires you to inquire about quotes and services by contacting one of its independent agents.
There is one bright spot, however: American Alliance has much happier customers overall, with nearly a quarter as many NAIC-lodged complaints as compared to 21st Century (1.86 vs. 0.49).[2]
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How to file an auto insurance claim with 21st Century
Submit a claim. You can call the company’s claims phone number 24 hours a day, seven days a week, at 1 (888) 244-6163. Alternatively, you may be able to fill out a claims form by logging into your online account.
Meet with the adjuster. Two to three days later, you’ll be contacted by one of 21st Century’s claims adjusters. They’ll schedule a time to come out and see your car to evaluate it for damage and coverage potential.
Make repairs. Once your adjuster gives you the go-ahead, you can take your car to any repair shop you want. Alternatively, if the adjuster deems it a total loss, you may receive a payout for it.
21st Century insurance FAQs
Still have questions about 21st Century auto insurance? You can find some additional information here.
Is 21st Century legitimate?
Yes. 21st Century is licensed to operate in dozens of states despite only offering motor vehicle insurance to California residents. However, it was fined $50,000 in 2007 for 14 violations of California state law, and the insurer was the target of a class-action lawsuit filed in California in 2022 alleging that it didn’t comply with state-ordered premium refunds during the pandemic.
What is the average cost of 21st Century car insurance?
21st Century charges an average of $152 for liability coverage and $375 for a full-coverage policy. This is much higher than other insurance companies, such as State Farm and USAA.
Is 21st Century good at paying claims?
21st Century Insurance has a financial strength rating of A (Excellent) as judged by AM Best. However, there’s no independent, publicly available data about customer satisfaction with the claims process, so it’s difficult to say how good 21st Century is at paying claims.
Is 21st Century expensive?
Yes. The cost of car insurance from 21st Century car insurance is much higher than the national average for other insurers. If you’re looking for an affordable price, you’ll likely be much better off with other insurers, although it doesn’t hurt to contact the company for car insurance quotes.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Lindsay VanSomeren is a freelance personal finance writer living in Suquamish, WA. Her work has appeared with FICO, Credit Karma, The Balance, and more. She enjoys helping people learn how to manage their money better so they can live the life they want.
Lindsay has been a contributor at Insurify since October 2022.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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