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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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: Oct 13, 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 auto insurance is only available in California
  • Customers appreciate 21st Century’s premiums and overall coverage prices
  • 21st Century is part of the Farmers Insurance Group
  • 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 is a very basic insurance company. It 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 coverage, comprehensive coverage, and uninsured/underinsured insurance coverage.

There are not a lot of additional coverage options available from 21st Century Insurance.

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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Is 21st Century car insurance available to you?

21st Century was previously available in all 50 states when it was a subsidiary of AIG, but it is now only available in California.

You can use the company’s website to find out if auto insurance coverage from 21st Century is available where you live, and you can also get an auto insurance quote online.

21st Century is a subsidiary of the Farmers Insurance Group. Farmers Insurance is one of the largest insurance companies in the United States, so at the very least you know that this is a trustworthy and financially sound insurer.

If you don’t live in California and therefore can’t get a 21st Century auto policy, you can likely still get car insurance from Farmers.

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What do you need to know about 21st Century car insurance?

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.

What do customers think of 21st Century Insurance?

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 service during the claims process has been rated as poor. Thus, customer satisfaction for this company could be improved.

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:

Does 21st Century Insurance offer any discounts?

There are a variety of auto insurance discounts available from 21st Century. These include:

  • Safe driver discount
  • Superior driver discount
  • Good student discount
  • Mature driver discount
  • Multi-car discount
  • Anti-theft device discount

Insurance companies are constantly adding to their list of discounts offered to stay competitive in the market so make sure to ask if there are any other savings opportunities when you contact an agent.

How do 21st Century’s insurance premiums compare?

21st Century is considered to be an affordable auto insurance provider. In terms of how it compares to other companies, it is hard to say because so much depends on your personal information. Auto insurance companies consider factors like your age, gender, marital status, location, credit score, and driving record when setting your rate.

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 strength rating companies.

Make sure to get auto insurance quotes from multiple insurance providers before you make a decision.

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One Response

  1. DeShawn Singleton September 21, 2016

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