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.
Unsatisfied with Toggle
I had myself, my brother, and my niece all insured with 21st Century. Now, I wouldn't even insure my dog with them. Currently, I'm in the process of filing a claim with the insurance commissioner because I believe their practices are unfair. Despite having an outstanding driving record, which you'd think they would appreciate since I don't file claims, they don't seem to value it. They raised my premiums from $655 to $1,700, which I find unacceptable. I'm also planning to file a claim with the Better Business Bureau and Consumer Affairs.
Poor
I try to contact you but all I get is put on hold.
Ok
You have to wait to talk to a real person.
Good
I've been with 21st Century Insurance for many years. My experience has been good. The rates are good and the service has been decent, including claims. I'm not so sure about Toggle Insurance, to which 21st Century insurance policy holders have been migrated. The rates have gone up a substantial amount, but I haven't dealt with their customer service yet.
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:
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 liability offers 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 coverage protects your car against damage from hitting wildlife or while you’re not driving the car, such as from storms.
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 |
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California | $420 | $203 |
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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 |
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Clean record | $420 | $203 |
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With speeding ticket | $546 | $264 |
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With at-fault accident | $540 | $261 |
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With DUI | $623 | $301 |
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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 |
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Teens | $199 |
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20s | $154 |
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30s | $120 |
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40s | $121 |
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50s | $102 |
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60s | $89 |
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70s | $95 |
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80+ | N/A |
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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 |
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Good driver | 20% or higher |
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Superior driver | 10%–20% |
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Good student | 15% |
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Mature driver | 2% |
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Multi car | Varies |
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Anti-theft device | 15% |
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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.