21st Century Car Insurance Review [2021]

21st Century car insurance got an A financial rating from AM Best, but also got a high number of complaints last year. 21st Century has various car insurance discounts for safe drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Feb 11, 2021

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Company Details
Address: 2710 Gateway Oaks Drive Suite 150N
City: Sacramento
State: CA
ZIP Code: 95833-3505
Phone Number: 302-252-2000
Year Founded: 1954
AM Best Rating: A (Excellent)
Company Rating 0 (0 reviews)

Here's what you need to know...

  • 21st Century is available in all 50 states
  • Customers appreciate 21st Century’s premiums and overall coverage prices
  • The company is rated poorly in areas of overall satisfaction, policy offerings, claims processing, and customer service


Read this 21st Century Car Insurance review to decide if you should buy a 21st Century auto insurance policy.

21st Century offers many of the same car insurance coverage options that you will find from any insurance company. These options include bodily injury liability, property damage liability, collision, comprehensive, and uninsured/underinsured insurance coverage.

As for the deductible options with 21st Century, their website mentions both a $500 deductible and a $1000 deductible.

However, it is possible that the company offers more options because it says you should speak to an agent for more information.

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21st Century Car Insurance Availability

21st Century Car Insurance is available in all 50 states. However, it can only be purchased online in some of those states. Entering the zip code for location that the insurance will be needed will provide the appropriate information.

Although identity theft restoration service is listed as an advantage included for no additional cost, it is not available in the state of New York.

For consumers in this state who want this as a part of their insurance package, they will need to look elsewhere.

This company is a subsidiary of AIG. As a result, the locations in each state are often AIG offices that can provide underwriting services for these insurance policies.

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21st Century Car Insurance Details

The key benefits in the 21st Century auto policies are 24-hour emergency roadside assistance, and emergency travel and medical assistance.

The prices are comparable to other discounted auto insurance policies.

Their web site makes it easy to get quotes that are based on zip code. It also makes recommendations for coverage so that individuals researching quotes can conduct accurate comparisons when shopping for rates and benefits.

Sites that present provider ratings, such as J.D. Power, show that the premium and pricing are the highest rated factors.

Areas such as overall satisfaction, policy offerings, claims processing, and customer service do not meet the standards for many customers.

The 21st Century Insurance Experience

Each consumer’s needs are unique. Some will need higher service levels than others. It is important to read the fine print in the quote before selecting a company. Comparing the details point-by-point instead of focusing on the rate is recommended.

Many customers have found that their policy does not cover areas they assumed it would, and the lack of informative customer services in the event of a claim has been rated as poor. Contacting a 21st Century auto insurance agent via telephone will provide the best indication of whether 21st Century insurance is the right choice for car insurance.

Does 21st Century offer any additional add-ons?

21st Century does offer an additional add-on that you may want to consider. This addition is called the 21st Century Security Advantage Program.

The Security Advantage Program combines:

  • 24-hour roadside assistance
  • 24-hour emergency travel assistance
  • 24-hour emergency medical assistance
  • Identity theft restoration service

According to 21st Century, this program is offered at no additional charge for anyone who has a car insurance policy with the company. 21st Century also claims that every driver listed on your policy receives these benefits as well.

The downside to this program is that you can only use the service five times per calendar year.

However, none of this coverage applies to any vehicle that isn’t on the road when the emergency occurs. If you get into your car in the morning and it doesn’t start, then you are going to have to pay for your own tow.

You can also purchase for your policy is towing and labor coverage which will ensure that your vehicle can be towed if you break down in your own front yard.

The labor coverage is only in relation to any labor that occurs while you are on the road. For example, if you get a flat tire and you call for help, the insurance company will pay the labor charges for changing the tire.

Gap coverage is another add-on that you might want to consider. Gap insurance covers the difference in cost between the value of your vehicle and what you owe on your vehicle if it is totaled in a car accident.

While gap coverage is inexpensive, there are limitations. For example, your vehicle has to be less than five years old to qualify. In addition, 21st Century only offers gap coverage in certain areas.

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Does 21st Century cover my specialty vehicles, such as ATVs and boats?

If you were thinking about combining your car insurance policy with a policy for your boat or ATV to save money, you are in for a disappointment.

21st Century does not cover these types of vehicles.

However, you can purchase insurance for any trailers that you use to haul these types of vehicles around, such as a boat trailer.

21st Century also offers policies for:

How do 21st Century premiums compare?

21st Century is considered to be an affordable car insurance company. In terms of how it compares to other companies, it is hard to say because so much depends on your personal information.

Another thing that you will want to consider is the financial stability of the company.

A company with affordable rates isn’t enough; it needs to be able to pay its claims as well.

In the case of 21st Century, the company has an A rating from both A.M. Best and Standard & Poor’s, both of which are premier financial rating companies.

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One Response

  1. DeShawn Singleton September 21, 2016

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