21st Century Car Insurance

3.9 409 reviews
You're shopping in zipcode 79504 Change


InsurifyComposite Score
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Rental Experience About average
Estimation Process About average
Overall Satisfaction About average
Claim Servicing About average
First Notice of Loss (FNOL) About average
Repair Process About average
Settlement About average
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
California 822 Better than most
21st Century Mobile App Ratings
Brand Ratings User reviews
Full Star Full Star Full Star Half Star Empty Star 3.2
Financial Ratings
Company Name Ratings
A.M. Best A
Standard & Poor's A
Fitch BBB+
Moody's Baa1


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

  • Complete Tick Automatic Online Payments
  • Complete Tick Bank Payment/Direct Deposit
  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments
  • Complete Tick Electronic Check
  • Complete Tick Online Payment
  • Complete Tick Phone Payment -IVR
  • Complete Tick Mobile App Payments
  • Complete Tick 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.

  • 24/7 service 24/7 service
  • Roadside assistance Roadside assistance
  • Online account management Online account management
  • Mobile app Mobile app

Optional Coverage

  • Complete Tick Road Side Assistance
  • Complete Tick Rental Reimbursment
  • Complete Tick Glass Coverage
  • Complete Tick Gap Insurance
  • Complete Tick Antique or Collector Car Insurance
  • Complete Tick Mechanical Breakdown Insurance
  • Complete Tick Accidental Death, Dismemberment, Disability
  • Complete Tick Comprehensive Claim Forgiveness
  • Complete Tick Umbrella Policy

21st Century Insurance Products

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.

21st Century offers personal umbrella insurance, with limits up to $2 million, to its auto insurance policyholders. 

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. 

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

5 Stars
52% Complete
4 Stars
19% Complete
3 Stars
10% Complete
2 Stars
6% Complete
1 Star
11% Complete
Most Positive Review
By Tammy
March 8, 2018

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
July 2, 2018

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