21st Century Car Insurance
Discounts
The largest discounts from 21st Century are: Good Credit Discount, Passive Restraint Discount, Multiple Vehicle Discount
| Discount Type | Discount % |
|---|---|
| Good Credit Discount | up to 60% |
| Passive Restraint Discount | up to 30% |
| Multiple Vehicle Discount | up to 30% |
| Good Student Discount | up to 20% |
| Good Driver Discount | up to 16% |
| Organization Discount | up to 14% |
| TeenSmart Discount | up to 10% |
| Multiple Policy Discount | up to 10% |
| Anti-Theft Device Discount | up to 5% |
| Anti-lock Brake Discount | up to 5% |
| Defensive Driver Discount | up to 2% |
| Military Discount | Varies |
| Student Away at School Discount | Varies |
| Starting your auto quote online discount | Varies |
| Preferred payment discount | Varies |
| Accident Free Discount | Varies |
| Farm Vehicle Discount | Varies |
| Provider Switch Discount | Varies |
| Professional organization discount | Varies |
| Claims Free Renewal Discount | Varies |
| Alcohol education awareness discount | Varies |
| Loyalty Discount | Varies |
| Sponsored Marketing Discount | Varies |
| Affinity group discount | Varies |
| Paperless documents discount | Varies |
| Senior Adult Discount | Varies |
| Eco-nomy Car Discount | Varies |
| Daytime Running Lights Discount | Varies |
| Continuous Coverage Discount | Varies |
| E-billing Discount | Varies |
| Prepay Discount | Varies |
| Driving training discount | Varies |
| Mature driver discount | Varies |
| Home Owner Discount | Varies |
| Advance shopper discount | Varies |
| New Car Discount | Varies |
| Paid in full discount | Varies |
| Response Rating Discount | Varies |
Payment Methods
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Automatic Online Payment
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Bank Payment/Direct Deposit
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Credit Card Payment
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Debit Card Payments
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Electronic Check
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Online Payment
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Phone Payment
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Mobile App Payments
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Money Transfer
Features and Services
21st Century has been offering its customers with exceptional service for over 60 years. Their 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. After an accident their Farmers Circle of Dependability Program offers over 2,200 trusted and efficient repair shops nationwide so you can get back on the road. For your convenience, 21st Century allows you to manage aspects of your account online and on your time.
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24/7 service
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Roadside assistance
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Online account management
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Mobile app
Optional Coverage
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Roadside Assistance
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Rental Reimbursement
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Glass Coverage
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Gap Insurance
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Antique or Collector Car Insurance
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Mechanical Breakdown Insurance
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Accidental Death, Dismemberment, Disability
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Comprehensive Claim Forgiveness
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Umbrella Policy
21st Century Insurance by State
SR-22 Insurance by State
21st Century Insurance Products
Car Insurance
21st Century offers personal auto insurance, specifically for drivers with less than perfect 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.
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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.
21st Century Reviews
Most Positive Review
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
July 2, 2018
Adjusters does not listen to customers and are too fast to blame their customers as at fault
March 8, 2018