21st Century vs Liberty Mutual Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

21st Century
80
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Insurify Composite Score

Liberty Mutual
82
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Insurify Composite Score

21st Century VS Liberty Mutual
80
82
What is this?
User Ratings
Options21st Century Liberty Mutual
Rating/Reviews
443 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
Options21st Century Liberty Mutual
Call Center Representative--About average
Insurer Website--Better than most
Local Agent--Better than most
Overall Satisfaction--About average
Policy Offerings--Better than most
Pricing--About average
U.S Auto Insurance Claims Satisfaction Study (2018)
Options21st Century Liberty Mutual
Claim ServicingAbout averageThe rest
Estimation ProcessAbout averageThe rest
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageThe rest
Rental ExperienceAbout averageAbout average
Repair ProcessAbout averageAbout average
SettlementAbout averageThe rest
J.D. Power Ratings by Region (out of 1000)
Region21st Century Liberty Mutual
California822 pt
Better than most
816 pt
About average
Central--806 pt
The rest
Florida--805 pt
The rest
Mid-Atlantic--801 pt
The rest
New England--809 pt
About average
New York--818 pt
About average
North Central--812 pt
The rest
Northwest--807 pt
About average
Southeast--814 pt
The rest
Southwest--811 pt
About average
Texas--807 pt
The rest
Mobile App Ratings
Region21st Century Liberty Mutual
Android
870 Reviews
2,531 Reviews
iOS--
12,900 Reviews
Financial Ratings
Options21st Century Liberty Mutual
A.M. BestAA
FitchBBB+A-
Moody'sBaa1A2
Standard & Poor'sAA

Auto Insurance Quotes

For Married Drivers

City21st Century Liberty Mutual
Santa Monica$83--

For Single Drivers

City21st Century Liberty Mutual
Santa Monica$145--

For Male Drivers

City21st Century Liberty Mutual
Santa Monica$146--

For Female Drivers

City21st Century Liberty Mutual
Santa Monica$82--

For Drivers with Speeding Ticket

City21st Century Liberty Mutual
Santa Monica$170--

For Drivers with No Speeding Ticket

City21st Century Liberty Mutual
Santa Monica$102--

For Drivers Age Between 18-40

City21st Century Liberty Mutual
Santa Monica$165--

For Drivers Age Between 40-65

City21st Century Liberty Mutual
Santa Monica$75--

For Drivers Age of 65+

City21st Century Liberty Mutual
Santa Monica$67--

For Drivers with Average Credit

City21st Century Liberty Mutual
Santa Monica$97--

For Drivers with Fair Credit

City21st Century Liberty Mutual
Santa Monica$92--

For Drivers with Good Credit

City21st Century Liberty Mutual
Santa Monica$90--

For Drivers with Excellent Credit

City21st Century Liberty Mutual
Santa Monica$176--

Quotes & Discounts

Discount type21st Century Liberty Mutual
Good CreditUp to 60%--
Multiple VehicleUp to 30%Up to 5%
Passive RestraintUp to 30%Up to 20%
Good StudentUp to 20%Up to 22%
Good DriverUp to 16%--
OrganizationUp to 14%Varies
Multiple PolicyUp to 10%Varies
teenSMARTUp to 10%Varies
Defensive DriverUp to 2%--
Accident FreeVariesVaries
Advance shopperVariesUp to 45%
Affinity groupVaries--
Alcohol education awarenessVaries--
Anti-Theft DeviceVariesUp to 25%
Anti-lock BrakeVariesVaries
Continuous CoverageVaries--
Daytime Running LightsVaries--
Driving trainingVariesUp to 30%
E-billingVaries--
EV/HybridVariesVaries
Farm VehicleVaries--
Home OwnerVariesVaries
LoyaltyVaries--
Mature driverVaries--
MilitaryVariesVaries
New CarVaries--
Paid in fullVariesVaries
Paperless documentsVariesVaries
Preferred paymentVariesVaries
PrepayVaries--
Provider SwitchVaries--
Response RatingVaries--
Senior AdultVariesVaries
Sponsored MarketingVaries--
Student Away at SchoolVariesVaries
Accident Prevention Course--Varies
ByMile--Varies
Claims Free Renewal--Varies
Early Shopper--Varies
Electronic Stability Control--Varies
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Policy Update/Extension--Varies
RightTrack--Up to 30%
Safety Feature--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%

Payment Methods

Discount type21st Century Liberty Mutual
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
--yes
Mobile App Payments
yesyes
Money Transfer
yes--
Online Payment
yesyes
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and Services21st Century Liberty Mutual
24/7 serviceyesyes
Accident forgiveness--yes
Enhanced towing & substitute coverage--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discounts--yes
Roadside assistanceyesyes

Optional Coverages

Optional Coverages21st Century Liberty Mutual
Accident Forgiveness
--yes
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Better Car Replacement
--yes
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Gap Insurance
yesyes
Glass Coverage yes--
Legal Defense Costs Coverage
--yes
Lifetime Repair Guarantee
--yes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
--yes
Original Equipment Manufacturer Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Teachers Insurance
--yes
Umbrella Policy
yes--
Vanishing Deductible
--yes
Work Loss Coverage
--yes

Uber and Lyft driver insurance

  • 21st Century
  • Liberty Mutual
  • Both

SR‌-22 Insurance by State

  • 21st Century
  • Liberty Mutual
  • Both

Compare Insurance Products

Product21st Century Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insuranceyesyes
Condo InsuranceCondo Insurance--yes
Critical Illness InsuranceCritical Illness Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insurance--yes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • 21st Century Reviews
  • Liberty Mutual Reviews
3.9
5 Stars
50 %
4 Stars
20 %
3 Stars
10 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Tammy
Their reasonable rates, the ability to pay 6 month or 3 month premium, and it was easy to add or remove a vehicle on the policy online (and get proof of insurance the same way).

Most Critical Review

By Valmiro
Adjusters does not listen to customers and are too fast to blame their customers as at fault

All Reviews

Showing 1 - 10 out of 443 Reviews
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Read reviews that mention

Jay
Good service but not sure about the rates.
Mark
The prices are too high I got a quote for 108 for two cars one full coverage one standard so who do you think I should go with us if I stick with century 21 it's going to if I stick with century 21 it's going to be over$200 I call it price gouging the customer other insurance companies in are lower-priced
William
I was with Kipper insurance for $20 a month added a second vehicle my rates more than double so I switched on principle I keep getting offers for $38 a month still too high $25 a month is what I want to pay and I will find someone at that rate then I will switch again
William
I think I paid too much I think I should be paid $30. I plan to change companies once my contract expires
Eddie
They were low on the price then price went up
nick
They raised my rates and I have no accidents
Yonko
citizen
This 21st century company are a bunch of morons !!! i had a policy with them .......i get paid on the 3rd of every month .....yet these IDIOTS don't get that if they take an auto payment on the 31 st there is not enough money to cover it since i wont have any money until the 3rd .....these morons took money on my payment on the 31st from my bank and made my checking account over drawn//i explain to these IDIOTS that i need to change the due date till the 5th since that how i always had it .....these IMBECILES !! don't seem to understand this issue .........anyone with logic and common sense would understand this problem......yet these MORONS don't want to fix this issue .....
Luther
I was given an online quote, I called in and was delayed on purchasing coverage because they said that my DL was suspended, so I emailed them the recently renewed license, then they put me on hold, come back and tell me the policy quote would be increased because the violation conviction date was November of 2018, the violation date was July 2017 as I disclosed on the application when I received the initial quote. Don't like that they used a technicality to price gouge me.
SHERRY
Service was good
Showing 1 - 10 out of 443 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.