21st Century Auto Insurance Review: Ratings and Quotes (2024)

If you live in California, you might have considered 21st Century as an option for car insurance. This company is owned by Farmers Insurance, and its coverage is limited solely to residents of the Golden State.

You might also find it tough to get any definitive information about how 21st Century auto insurance works. Fortunately, the company offers information on several discounts. Here’s what you should know about 21st Century so that you can determine if you want to consider this insurer for your next car insurance policy.

How 21st Century stacks up

Insurify compared 21st Century to other lesser-known insurance companies, including AssuranceAmerica, American Alliance, First Chicago, and Anchor. Although details are also sparse for these options, a few key trends emerged.

Compared with these insurance companies, 21st Century charges higher rates and is available in a far smaller geographic area (just one state). Customer service availability and ratings, as judged by the number of complaints lodged against each company with the National Association of Insurance Commissioners (NAIC) tended to be roughly similar, however.

This table shows you how 21st Century stacks up against other similarly sized insurers.

Average cost of 21st Century auto insurance

21st Century charges an average premium of $115 for liability-only coverage and $247 for full coverage in California, the only state where it offers policies.

This is more expensive than the nationwide average of $104 and $211 per month for liability-only and full-coverage policies. It’s also higher than the statewide average for California, at $142 and $296 for liability-only and full coverage per month, respectively.

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21st Century Insurance reviews and ratings

21st Century may not provide a lot of up-front information that potential customers need to know to make an informed decision, but you can gain a better understanding by looking at outside reviews and ratings.

21st Century customer reviews

Read reviews from verified 21st Century customers.

21st Century ratings

Insurance is an important financial transaction, and that’s why many organizations have come up with rating systems to measure the quality of an insurance company in terms of customer satisfaction and financial strength.

Here are the most common metrics available for 21st Century:

• AM Best: A (Excellent)

• J.D. Power: Not rated

• S&P: A

• Moody’s: Not rated

• NAIC Complaint Index: 1.86 (higher than average)

21st Century car insurance coverage options

Unfortunately, 21st Century doesn’t provide any definitive information about the specific insurance products it offers. Given that the state of California requires drivers to purchase a minimum amount of insurance, you can infer that 21st Century at least offers these types of standard coverages:

• 

  Bodily injury liability

  Bodily injury liability offers legal support and compensation in case you injure someone else while driving, such as by causing a car accident or hitting a pedestrian.

• 

  Property damage liability

  Property damage liability offers compensation and legal assistance in case you damage someone else’s property, such as their motor vehicles.

21st Century offers full-coverage policies as well. There isn’t any standard definition on what’s included in a full-coverage policy, but it typically includes the same protections as liability insurance as well as these types of coverages for your own vehicle:

• 

  Collision coverage

  Collision coverage offers compensation to fix or replace your car if it’s damaged while you’re driving it, whether you’re at fault or not.

• 

  Comprehensive coverage

  Comprehensive coverage protects your car against damage from hitting wildlife or while you’re not driving the car, such as from storms.

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21st Century car insurance cost by state

Your quotes for car insurance depend on many factors, and one of the biggest is where you live. Some states are deemed riskier than others, and your rates can even vary by ZIP code.

Given that 21st Century is only available in the state of California, it’s hard to compare how prices would be different in other states. 

However, remember that while 21st Century is only available in California, its rates tend to exceed state averages.

21st Century auto insurance rates by driving history

Unsurprisingly, your driving history also plays a significant factor in how much you’ll be charged for car insurance. The cleaner your driving record, the more you’ll save on car insurance in general.

In addition, 21st Century also offers a couple discount options based on your driving record. You can save a minimum of 10% off your premium if you haven’t had any negative marks on your record in the past three years. If you go for five years or longer, that could help you score the lowest rates of all, with a discount of up to 20%.

Here’s the monthly cost for various 21st Century insurance policies for drivers with a clean record and drivers with common infractions.

21st Century car insurance cost by age

Your age also has an effect on your risk level as a driver. Younger drivers generally pay the highest rates of all, while older drivers pay less until they become seniors — at which point their insurance costs tick up slightly.

21st Century offers a 15% discount for students younger than 25 who receive a grade of “B” or better (it’s not clear if that’s GPA-based or any grade for individual classes). Drivers older than 55 can qualify for a 2% discount if they take a defensive driving course.

Here are the monthly average premiums that 21st Century insurance charges to people of different ages.

21st Century car insurance discounts

You’ve already read about a few of 21st Century’s car insurance discounts. But to give you a complete picture of these offerings, here’s the full list of its discounts, along with the amount.

21st Century vs. other insurance companies

Car insurance companies are abundant in California, and 21st Century isn’t your only option when it comes to purchasing a policy. Here’s how the company compares to similar insurers:

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Insurance Company ▲▼	Liability Only ▲▼	Full Coverage ▲▼	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼
21st Century	$115	$247	6
AssuranceAmerica	$144	$247	5

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

21st Century vs. AssuranceAmerica

AssuranceAmerica’s website looks like it was updated more recently, although it’s still frustratingly light on important details. It doesn’t discuss the discounts it offers (21st Century offers six). 21st Century is also more generous in that it offers roadside assistance at no extra cost with all plans. This is a paid option with AssuranceAmerica.

Neither company has a good reputation when it comes to customer complaints, but AssuranceAmerica’s is worse, with an average NAIC customer complaint rating of 3.43 versus 1.86 for 21st Century.^[2] A score of 1.00 is the average. Scores that are higher, like these two insurers, indicate a higher-than-average amount of complaints for a company of its size.

However, AssuranceAmerica does have one big advantage over 21st Century: It’s available in 23 more states, and you can actually get a quote online versus having to call a phone number and getting no response for hours or days or weeks.

21st Century vs. American Alliance

American Alliance specializes in high-risk coverage for people who may have trouble getting affordable insurance through other options, such as drivers who have a DUI on their record. Unfortunately, American Alliance provides no details on its coverage options and pricing other than listing four potential discount options.

In fact, American Alliance’s website seems geared more toward swaying insurance agents looking for companies to partner with rather than individual customers looking to buy their own coverage. Like 21st Century, you can’t get a quote online. American Alliance requires you to inquire about quotes and services by contacting one of its independent agents.

There is one bright spot, however: American Alliance has much happier customers overall, with nearly a quarter as many NAIC-lodged complaints as compared to 21st Century (1.86 vs. 0.49).^[2]

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How to file an auto insurance claim with 21st Century

Here’s how 21st Century’s claims process works:

1. Submit a claim. You can call the company’s claims phone number 24 hours a day, seven days a week, at 1 (888) 244-6163. Alternatively, you may be able to fill out a claims form by logging into your online account.

2. Meet with the adjuster. Two to three days later, you’ll be contacted by one of 21st Century’s claims adjusters. They’ll schedule a time to come out and see your car to evaluate it for damage and coverage potential.

3. Make repairs. Once your adjuster gives you the go-ahead, you can take your car to any repair shop you want. Alternatively, if the adjuster deems it a total loss, you may receive a payout for it.

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