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21st Century - Car Insurance
3.9
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Last Updated: January 2022
21st Century Auto Insurance Quotes
| State | Average Monthly Cost |
|---|---|
| California | $165 |
Ratings
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | Results |
|---|---|
| Claim Servicing | About average |
| Estimation Process | About average |
| First Notice of Loss (FNOL) | About average |
| Overall Satisfaction | About average |
| Rental Experience | About average |
| Repair Process | About average |
| Settlement | About average |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | Ratings | State Average |
|---|---|---|
| California | 822 | Better than most |
21st Century Ratings ℹ
| Brand | Ratings | User reviews |
|---|---|---|
| Mobile App (Android) | 3.2 | 870 |
| Insurify | 3.9 | 443 |
J.D. Power Ratings by Region (out of 1000)
| Company Name | Ratings |
|---|---|
| A.M. Best | A |
| Standard & Poor's | A |
| Fitch | BBB+ |
| Moody's | Baa1 |
Discounts
The largest discounts from 21st Century are: Good Credit, Passive Restraint, Multiple Vehicle
Carrier Discounts
Discount %
60%
30%
30%
20%
16%
14%
10%
10%
5%
5%
2%
Good CreditPassive RestraintMultiple VehicleGood StudentGood DriverOrganizationteenSMARTMultiple PolicyAnti-lock BrakeAnti-Theft DeviceDefensive Driver
Discount Group
| Discount Type | Discount % |
|---|---|
| Good Credit | up to 60% |
| Passive Restraint | up to 30% |
| Multiple Vehicle | up to 30% |
| Good Student | up to 20% |
| Good Driver | up to 16% |
| Organization | up to 14% |
| teenSMART | up to 10% |
| Multiple Policy | up to 10% |
| Anti-lock Brake | up to 5% |
| Anti-Theft Device | up to 5% |
| Defensive Driver | up to 2% |
| Senior Adult | Varies |
| EV/Hybrid | Varies |
| Daytime Running Lights | Varies |
| Continuous Coverage | Varies |
| E-billing | Varies |
| Prepay | Varies |
| Driving training | Varies |
| Mature driver | Varies |
| Home Owner | Varies |
| Advance shopper | Varies |
| New Car | Varies |
| Paid in full | Varies |
| Paperless documents | Varies |
| Affinity group | Varies |
| Military | Varies |
| Student Away at School | Varies |
| Anti-lock Brake | Varies |
| Preferred payment | Varies |
| Accident Free | Varies |
| Farm Vehicle | Varies |
| Provider Switch | Varies |
| Anti-lock Brake | Varies |
| Anti-Theft Device | Varies |
| Alcohol education awareness | Varies |
| Loyalty | Varies |
| Sponsored Marketing | Varies |
| Response Rating | Varies |
Payment methods
Automatic Online Payment
- Bank Payment/Direct Deposit
- Credit Card Payment
- Debit Card Payments
- Electronic Check
- Mobile App Payments
- Online Payment
- Phone Payment
- Money Transfer
Features and Services
21st Century's insurance agents are available for customer support and claims service 24 hours a day, 7 days a week. In the event of an emergency, 21st Century’s Catastrophe Teams are available for on-the-scene roadside assistance. In the event of an accident, 21st Century's Farmers Circle of Dependability Program offers over 2,200 trusted and efficient repair shops nationwide so policyholders can get back on the road. 21st Century also allows customers to manage aspects of your account online and on your time.
24/7 service
Mobile app
Roadside assistance
Online account management
Car Insurance Coverage
Not seeing the state you're looking for? See all states here.
Optional Coverage
- Roadside Assistance
- Rental Reimbursement
- Glass Coverage
- Gap Insurance
- Antique or Collector Car Insurance
- Mechanical Breakdown Insurance
- Accidental Death, Dismemberment, Disability
- Comprehensive Claim Forgiveness
- Umbrella Policy
21st Century Insurance by State
Car Insurance
SR-22 Insurance by State
21st Century Insurance Products
Car Insurance
21st Century offers personal auto insurance, specifically for drivers with imperfect records.
Basic coverage includes:
- Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident.
- Collision: Pays to repair or replace your vehicle after a collision with another object or if it rolls over.
- Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc.
- Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance.
- Loan/lease gap insurance: Pays the difference between what you still owe on your car loan/lease and the actual cash value of your car at the time it’s deemed a total loss.
- Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault.
- Personal injury protection (PIP): Also known as no-fault insurance, pays medical expenses and damage costs, regardless of who is at fault.
- Towing and labor: Reimburses you for the cost of towing and roadside assistance if you break down, or your car is damaged after a collision.
Additional coverage includes:
- Rental car reimbursement: Pays $30 a day, up to 30 days, for a rental car while your vehicle is being repaired after a covered loss.
Umbrella Insurance
21st Century offers personal umbrella insurance with limits up to $2 million to its auto insurance policyholders.
Classic Car Insurance
21st Century offers classic car insurance coverage through a partnership with Foremost Insurance Company and J.C. Taylor Antique and Modified Automobile Agency.
Policies don’t have a mileage limit. However, to qualify for classic car insurance with 21st Century, your car must:
- Be a factory original, in good or restored condition.
- Be stored in a fully enclosed, locked garage.
- Be used primarily as a hobby vehicle for exhibitions, club activities, parades, or other functions.
RV Insurance
21st Century offers insurance coverage for your recreational trailers, utility trailers, and motorhomes. You must be a 21st Century auto insurance policyholder in order to qualify.
FAQs - 21st Century Car Insurance
How does Insurify work?
Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.
How does Insurify find me the cheapest car insurance quotes?
Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.
How is Insurify different from other insurance quote comparison sites?
Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.
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Company History
Founded in 1958, and purchased by Farmers Insurance Group in 2009, 21st Century Insurance has provided coverage for nearly 60 years. 21st Century is a leading provider of automobile, home and small business insurance, along with a wide range of other insurance and financial services covering over 10 million households, and 20 million individuals. They currently have a JD Power and Associates rating of 2 out of 5 for overall customer satisfaction.
How to cancel your 21st Century Car Insurance Policy
In order to cancel your policy, you will need to send your request via email service@21st.com for California residents or customer.service@21st.com for non-California residents, fax at 800-842-3057 for California residents or 866-447-2611 for non-California residents, or postal mail. If you have questions about your cancellation policy, contact the auto-service department at 800-241-1188.
21st Century Reviews
3.9
443 Reviews
5 Stars
50 %
4 Stars
20 %
3 Stars
10 %
2 Stars
7 %
1 Star
13 %
Most Positive Review
By Tammy
Most Critical Review
By Valmiro
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21st Century Car Insurance Information
| Insurify Composite Score | 80 |
| Number of discounts | 38 |
| Number of reviews | 443 |
| User Rating | 3.9 |
| A.M. Best | A |
| Standard & Poor's | A |
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.
