Skip to Main Content

21st Century Insurance Review 2023

Updated Mar 09, 2023
Bankrate logo

The Bankrate promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

Not rated
Caret Down

About Bankrate Score

Bottom Line

California drivers looking for plenty of discount opportunities and free roadside assistance might find 21st Century an attractive option.

Pros
  • Wholly owned by Farmers, which has an AM Best rating of A (Excellent)

  • Numerous discount opportunities

Cons
  • Not available nationwide

  • Digital options are poorly rated

Answer a few questions to see personalized rates from top carriers
Info
What’s new with 21st Century Insurance?

21st Century Insurance announced its Refer a Good Friend program earlier this year. Current policyholders can earn a $25 Amazon gift card for each referral who completes a quote and an additional $50 Amex gift card for each referral that signs up for a new 21st Century policy (terms and limitations apply).

21st Century car insurance

21st Century only writes car insurance policies in California, so it may be a good choice for Golden State drivers looking to get personalized service with a smaller, local provider. Although 21st Century is unrated by Standard & Poor’s (S&P) and AM Best, the Farmers Insurance Group gets relatively high financial strength scores, which may help you feel confident in the company’s historical ability to pay out claims. However, it is worth noting that 21st Century’s mobile app is rated poorly on the App Store and Google Play.

21st Century offers the following standard auto insurance coverage types: liability, uninsured and underinsured motorist coverage, collision and comprehensive. Additionally, 21st Century’s roadside assistance coverage is complimentary for eligible policyholders.

It also offers antique auto insurance, motorcycle and ATV insurance, boaters insurance and personal watercraft insurance (although some of these additional products are sold through partner companies).

Pros and cons of 21st Century car insurance

When shopping for new insurance, it’s essential to look at a company holistically by considering specific benefits and drawbacks.

PROS

  • Checkmark

    Regional carrier in tune with local market

  • Checkmark

    Free roadside assistance

  • Checkmark

    Premiums are below the California average

CONS

  • Close X

    Only available in California

  • Close X

    Mobile app lacks functionality

  • Close X

    Customer service and sales department only open during normal business hours

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions
Caret DownCaret Up
Please select age
Location-Icon
Quick facts
Moneybag
Save $610 on average this year by shopping for new car insurance
Location Pin
Rates vary by state up to 246%
Auto Insurance
The average American pays $145/month for auto insurance
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

21st Century car insurance cost

According to our extensive research, the average full coverage premium for 21st Century car insurance is $2,164 per year. For minimum coverage, the average is $723. These rates are higher than the national average of $2,014 and $622, respectively, but this may be because 21st Century only writes auto insurance in California. Compared to the California average ($2,291 for full coverage and $636 for minimum coverage), 21st Century insurance is cheaper.

21st Century car insurance rates by driving history

Car insurance companies use several rating factors to determine your premium, and your driving history is among the most significant. Below, you’ll find the average 21st Century car insurance rates based on various driving incidents. DUIS are not included as not all car insurance companies will offer a policy to a driver with this type of activity on their record. You may want to contact a local agent for more information on DUI rates if needed.

Bankrate tracks average premiums over time by analyzing rates provided by Quadrant Information Services. These rates below are based on a 40-year-old driver with good credit.

21st Century average monthly full coverage premium 21st Century average annual full coverage premium National average annual full coverage premium
Clean driving history $180 $2,164 $2,014
Speeding ticket conviction $245 $2,938 $2,427
At-fault accident $328 $3,939 $2,854
21st Century average monthly minimum coverage premium 21st Century average annual minimum coverage premium National average annual minimum coverage premium
Clean driving history $60 $723 $622
Speeding ticket conviction $78 $941 $748
At-fault accident $102 $1,222 $892

21st Century car insurance quotes by age

Your age can have a considerable impact on how much you pay for car insurance. Typically, insurance is more expensive for younger drivers, especially those listed on their own policies rather than their parent’s.

Average cost of car insurance for drivers on their parent’s policy

Age 21st Century average monthly full coverage premium 21st Century average annual full coverage premium National average annual full coverage premium
Age 16 $703 $8,436 $4,392
Age 17 $703 $8,436 $4,102
Age 18 $590 $7,078 $3,837
Age 19 $387 $4,644 $3,345
Age 20 $345 $4,140 $3,149
Age 21st Century average monthly minimum coverage premium 21st Century average annual minimum coverage premium National average annual minimum coverage premium
Age 16 $200 $2,401 $1,470
Age 17 $200 $2,401 $1,362
Age 18 $172 $2,063 $1,261
Age 19 $118 $1,414 $1,070
Age 20 $106 $1,272 $995

Average cost of car insurance for drivers on their own policy

Age 21st Century average monthly full coverage premium 21st Century average annual full coverage premium National average annual full coverage premium
Age 18 $677 $8,119 $6,110
Age 25 $283 $2,860 $2,473
Age 30 $199 $2,388 $2,125
Age 40 $180 $2,164 $2,014
Age 60 $152 $1,824 $1,824
Age 21st Century average monthly full coverage premium 21st Century average annual full coverage premium National average annual full coverage premium
Age 18 $188 $2,259 $1,967
Age 25 $72 $867 $747
Age 30 $63 $760 $647
Age 40 $60 $723 $622
Age 60 $59 $710 $578

21st Century car insurance discounts

21st Century Insurance offers several discounts for auto insurance savings, especially for a regional provider, and customers are allowed to stack as many discounts as they are eligible to receive. The company’s car insurance discounts include a few that may be particularly easy to qualify for.

21st Century car tools and benefits

21st Century automatically enrolls its customers in its roadside assistance program for free. If you’re stranded on a roadway, all you have to do is call (800) 439-5587, and 21st may send help, including towing, lock-out services and other roadside services.

21st Century home insurance

21st Century does not offer home insurance. However, those who hold an auto policy with 21st Century may qualify for a 10% discount by purchasing homeowners insurance from Farmers. This is because 21st Century is a member of Farmers Insurance Companies. Farmers writes home policies in 41 states. Home coverage with Farmers is not available in these states:

  • Alaska
  • Delaware
  • Hawaii
  • Maine
  • New Hampshire
  • Rhode Island
  • South Carolina
  • Vermont
  • West Virginia

The company offers standard home coverage options along with standout coverage types such as content replacement coverage, additional living expense coverage for expenses incurred if you are displaced during the course of repairs and eco-rebuild coverage, which allows you to receive up to $25,000 towards the extra cost of green appliances and building materials.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Mortgage

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure
Caret DownCaret Up
Caret DownCaret Up
Field is required
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

21st Century customer satisfaction

J.D. Power did not include 21st Century in their most recent home insurance or property claims studies, probably because it is a small, regional carrier. Like many insurance carriers, 21st Century writes its auto policies under several different underwriting companies, making it difficult to pinpoint its standing on the NAIC complaint index. For this reason, you may want to read online reviews or talk to friends and family insured with 21st Century to get an idea of what it’s like to be a policyholder.

21st Century auto satisfaction

As mentioned, 21st Century uses many different underwriting companies to rate their auto insurance. That said, AM Best financial stability ratings may vary, depending on which underwriting company you analyze. However, it is wholly owned by Farmers insurance, which earns an A (Excellent) from AM Best. This may be an indicator of the company’s ability to pay out claims.

How to file a claim with 21st Century

When filing a claim with 21st Century, it will likely ask for basic details, such as your name and policy number. Additionally, it will ask you for claim-specific information, like the day the incident occurred and a description of what happened.

You can file a claim with 21st Century by:

You can also use 21st Century’s online portal to track and manage your claim after it has been filed.

21st Century availability

21st Century Insurance is only available for drivers in California. This company does not have any brick and mortar offices, so quotes are available over the phone and online.

Other 21st Century perks worth considering

21st Century Insurance offers certain perks that may be of interest to drivers looking for insurance in California.

  • Mobile app: Although its reviews are not especially favorable, 21st Century Insurance does have a mobile app, which may be attractive to policyholders who prefer to handle their policy digitally. Not all regional insurers offer a mobile app, which makes this a nice perk for 21st Century policyholders.
  • Free roadside assistance: Another feature not always offered by other insurers, 21st Century automatically signs up policyholders for roadside assistance, free of charge.
  • Digital articles: The company’s website features how-to and informational articles to help readers navigate auto insurance to make informed decisions about coverage and policy limits.

21st Century corporate sustainability

During the pandemic, Farmers and 21st Century Insurance announced that they would extend relief to customers by offering a 15 percent reduction in auto premiums for May 2020. 21st Century doesn’t advertise any other community outreach programs. However, Farmers boasts strong corporate citizenship by partnering with many non-profits. These organizations primarily assist with disaster recovery and other community impact initiatives such as Kindergarten readiness programs, youth fostering and financial support for low-income military families.

21st Century Insurance isn’t for everyone. If your needs don’t align with 21st Century, this list of car insurance providers may help you find the right carrier for you:

21st Century vs. State Farm

State Farm could be a good choice for shoppers who need more than just auto insurance. State Farm was determined one of the best home insurance companies in the 2022 Bankrate Awards based on its national availability, high customer satisfaction scores and excellent financial strength ratings. If you’re looking for multiple product lines, State Farm is also considered the best life company for term life, according to the 2022 Bankrate Awards.

Learn more: State Farm Insurance review

21st Century vs. Geico

If you’re a tech-savvy shopper, you may want to request a quote from Geico. It has a highly-rated mobile app and a full-service website allowing hands-on policy management. Additionally, Geico was determined one of the best auto insurance companies in the 2022 Bankrate Awards since it offers coverage to high-risk drivers, provides dozens of discounts and scores highly for customer satisfaction with J.D. Power. However, like 21st Century, Geico does not write its own homeowners insurance policies.

Learn more: Geico Insurance review

21st Century vs. Wawanesa

If you live in California and are looking for a highly-rated provider, you may want to consider Wawanesa; this insurer received the highest rating for California in J.D. Power 2022 U.S. Auto Insurance Study. Unlike 21st Century, it also offers home insurance. It also does not offer any extra car services like 21st Century’s complimentary roadside assistance, which may be important for some.

Learn more: Wawanesa Insurance review

Is 21st Century a good insurance company?

Bankrate’s insurance editorial team includes licensed agents with decades of combined experience helping drivers choose the coverage that fits their needs and budgets. We use this real-life experience to conduct extensive insurance company reviews in the hopes that we can help our readers do the same. 

With that said, you may want to add 21st Century to your list when requesting online car insurance quotes, but it depends on what you need and where you live. Its rates are lower than the California average, and it offers a respectable list of discounts that could help you save even more. According to customer reviews, the 21st Century app has some functionality issues, but having an app at all can be rare for a small, regional company. It may be worth nothing, though, that as a smaller company, 21st Century is not rated by J.D. Power. As such, shoppers may want to seek out friends or family already insured with the company to ask about their experience. All things considered, 21st Century could be a solid choice for California auto insurance.

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X