120+ more)
)
3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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Updated
Category | Average Score |
|---|---|
| Overall experience rating | 4.0 |
| Customer service | 2.8 |
| Value | 3.4 |
| Claims handling | 3.5 |
| Coverage options | 3.7 |
| Discounts | 3.3 |
| Policy transparency | 3.5 |
| Policy flexibility | 3.6 |
21st Century overall user rating: 4.0 out of 5
Insurify Quality (IQ) Score for 21st Century: 7.3 out of 10
NAIC complaint index: 1.97 (higher than average)
Average monthly premium from 21st Century: $257
21st Century is a small insurance company that writes only in California, and Insurify gives 21st Century a quality score of 7.3/10.
21st Century customers give it OK ratings and consistently mention good customer service and claims handling. But many customers have issues with 21st Century’s pricing and rate hikes. Overall, customers give 21st Century a 3.4 out of 5 rating for its value.
21st Century customers rate it a 2.8 out of 5 for customer service. Positive reviews mention helpful and courteous service. Negative reviews mention inconsistent service and difficulty reaching an agent.
21st Century’s 2.8 out of 5 customer service score is lower than both State Farm and Farmers.
The table below shows how 21st Century’s customer service stacks up against competitors.
Company | Average Score |
|---|---|
| 21st Century | 2.8 |
| State Farm | 4.3 |
| Farmers | 3.7 |
Overall, 21st Century customers rate its discount availability a 3.3 out of 5. Discount availability is one of 21st Century’s weaker points, with negative reviews mentioning that discounts don’t really help lower the cost.
Here’s how real 21st Century customers feel about the company’s discounts.
21st Century’s discount rating of 3.3 out of 5 is lower than both State Farm and Farmers. But for all three companies, customers commonly feel like the discounts don’t help offset the cost of rising car insurance rates.
Here’s how 21st Century’s discounts compare to State Farm and Farmers.
Company | Average Score |
|---|---|
| 21st Century | 3.3 |
| State Farm | 3.9 |
| Farmers | 3.4 |
For claims handling, 21st Century customers rate the company a 3.5 out of 5. Positive reviews for 21st Century’s claims handling focus on quick turnarounds and low hassle. Negative reviews express frustration over claim denials and issues with claims adjusters.
In comparison to competitors, customers rate 21st Century’s claim handling lower than State Farm and Farmers.
Check out the table below to see how these three companies stack up for claims handling.
Company | Average Score |
|---|---|
| 21st Century | 3.5 |
| State Farm | 4.1 |
| Farmers | 3.8 |
For its value, 21st Century customers rate it a 3.4 out of 5. Customers typically think 21st Century is worth the price when they first start their policies. But negative reviews often happen at renewal and mention that rate hikes and pricing volatility make it not worth it.
21st Century’s 3.4 out of 5 score for value is lower than Farmers. State Farm’s 3.7 out of 5 score beats both companies.
Check out the table below to see how 21st Century’s value for money stacks up against State Farm and Farmers.
Company | Average Score |
|---|---|
| 21st Century | 3.4 |
| State Farm | 3.7 |
| Farmers | 3.1 |
21st Century customers give it a 3.5 out of 5 rating for policy transparency. Negative reviews mention feeling surprised by unexpected fees and frustrated with unclear communication. Positive reviews feel that 21st Century is straightforward enough and that it’s easy to make policy changes.
21st Century’s 3.5 out of 5 rating for policy transparency is lower than both State Farm and Farmers. But customers note frustrations with all three companies over unexpected changes in pricing.
Here’s how 21st Century’s policy transparency compares against State Farm and Farmers.
Company | Average Score |
|---|---|
| 21st Century | 3.5 |
| State Farm | 3.9 |
| Farmers | 3.5 |
Reading recent customer reviews can help you get an impression of how an insurance company works. Here are real reviews from 21st Century customers made within the past 12 months.
Comparing multiple insurance companies is the fastest way to find the best company for you. Here’s how 21st Century compares to its top competitors.
 |  |  |  |  |  |
|---|---|---|---|---|---|
Average price $196/mo* | Average price $78/mo* | Average price $158/mo* | Average price N/A | Average price $129/mo* | Average price $157/mo* |
Overall rating | Overall rating | Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight California driversAI-generated from 215 user reviews | Special highlight Customer serviceAI-generated from 20966 user reviews | Special highlight Bundling discountsAI-generated from 2418 user reviews | Special highlight Usage-based savingsAI-generated from 1027 user reviews | Special highlight High-risk driversAI-generated from 1844 user reviews | Special highlight High-risk driversAI-generated from 724 user reviews |
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify.
These users complete an optional survey that asks them to review their experience with their current insurance company and rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
)
3+ years in insurance content
Host of Insurify‘s podcast “No Dumb Questions“
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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