21st Century vs. Amica Car Insurance [2021]

We have compared 21st Century vs. Amica based on their policies, the discounts in which they offer, and more. Both companies offer similar policies, though 21st Century has free roadside assistance. 21st Century and Amica insurance reviews/consumer reports are mostly positive. Average monthly rates can be around $86.

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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: Jan 22, 2021

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Here's what you need to know...

  • While both companies have solid reviews, depending on the review site, Amica’s are normally better.
  • 21st Century offers free 24/7 roadside assistance.
  • 21st Century is mostly only available in California.

Amica and 21st Century are both accredited auto insurance companies with plenty to offer. When trying to choose between 21st Century vs. Amica, it is important to determine your needs.

For example, if you live outside of California, then you will likely have trouble finding an auto insurance policy with 21st Century. 21st Century offers low rates and options for those with bad driving records, however, Amica has better customer reviews.

Amica and 21st Century are both featured in our article about the best insurance car companies.

Both companies have mostly positive ratings from several online rating systems. We even provided information on their financial ratings from the Better Business Bureau and more in our guide below.

To learn more about the differences between Amica and 21st Century read on, then compare insurance rates from top auto insurance companies by inputting your ZIP code into our comparison tool.

21st Century vs. Amica: Car Insurance Coverage and Options

Both 21st Century and Amica have options for standard and full coverage. What is included in a standard car insurance policy? In many cases, standard auto insurance coverage includes the minimum amount of insurance that is required by your state, while full coverage may include add-ons like towing services and rental car insurance.

Some average car insurance rates based on coverage can be found in the chart below. However, these rates can differ greatly based on many factors.

Average Car Insurance Rates of Basic Coverage Types

Basic Coverage TypesAnnual Car Insurance RatesMonthly Car RatesThree-Month Car Insurance Rates
Comprehensive$148$12$36
Collision$326$27$81
Liability$555$46$138
Full$1,029$86$258
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For more information on the coverage options and discounts offered by 21st Century and Amica, read on.

What are their coverage options?

21st Century and Amica both have similar options available for standard coverage. Where 21st Century stands out is that it offers 24/7 roadside assistance at no additional charge.

21st Century vs. Amica Coverage

Type of CoverageOffered by 21st CenturyOffered by Amica
CollisionYesYes
ComprehensiveYesYes
LiabilityYesYes
Underinsured and Uninsured MotoristYesYes
Medical PaymentsYesYes
Bodily InjuryYesYes
Property DamageYesYes
Roadside AssistanceYesNo
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Even if you find the rates to be too expensive, both companies have discounts available. Check them out in the section below.

What discounts do they offer?

In the chart below, you can see all the discounts offered by 21st Century and Amica.

21st Century vs Amica Discounts
Discounts21st CenturyAmica
Anti-lock Brakesxx
Anti-Theftxx
Daytime Running Lightsxx
Electronic Stability Controlx
Vehicle Recoveryxx
Newer Vehiclex
Green Vehiclex
Forward Collision Warningx
Claim Freexx
Continuous Coveragexx
Defensive Driverxx
Distant Studentx
Driver's Edxx
Early Signingx
Family Legacyx
Full Paymentx
Garaging/Storingx
Good Studentxx
Homeownerxx
Low Mileagex
Loyaltyx
Marriedx
Multiple Policiesxx
Multiple Vehiclesxx
Non-Smoker/Non-Drinkerx
Paperless Documentsx
Paperless/Auto Billingx
Passive Restraintxx
Renterx
Safe Driverxx
Senior Driverx
Switching Providerxx
Young Driverx
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Based on the chart above, you can see that Amica currently offers more discounts than 21st Century. However, there may be additional discounts depending on where you live. Contact one of Amica or 21st Century’s agents to inquire.

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21st Century vs. Amica: Comparing Car Insurance Rates

Neither 21st Century nor Amica provides many of their insurance rates online, however, most insurance companies base your rates on several factors: your driving record, the area in which you live, how much your car is used, your age, the car you drive, your credit record, and the amount of coverage you buy.

Additionally, gender is factored into your insurance rates with some companies, however, this is illegal in certain states, including California, Hawaii, Massachusetts, Pennsylvania, North Carolina, and Montana.

21st Century vs. Amica: Ratings and Customer Satisfaction

Both 21st Century and Amica have been reviewed on several different review sites. Amica appears to have more positive reviews, however, both have good ratings from sites like the Better Business Bureau and A.M. Best.

What are their financial ratings?

Included in the chart below are ratings for 21st Century and Amica from top financial rating companies A.M. Best, Standard and Poor, and the Better Business Bureau.

21st century vs. Amica Financial Ratings

Financial Rating Company21st CenturyAmica
Better Business BureauA+A+
AM BestAA+
Standard and PoorBBB+N/A
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The video below goes over what A.M. Best ratings do.

As you can see, both companies got similar ratings from all these financial rating companies. To find out what customers had to say, read on.

How do customers rate them?

21st Century has plenty of mixed reviews online, while Amica has mostly positive reviews. Complaints about 21st Century include the fact that they only offer policies in California and their limited discounts.

A common complaint about Amica is that they sometimes don’t offer insurance to those with less than great driving records. 21st Century, on the other hand, offers SR-22 insurance options for those that have had DUIs or other reckless driving marks made against them.

Currently, there don’t seem to be any Consumer Reports ratings for 21st Century available, however, we have provided Amica Insurance reviews via consumer reports in the chart below.

Amica Consumer Reports Rating

CategoryRating
Excellentase of Reaching an AgentExcellent
Simplicity of the ProcessExcellent
Promptness of ResponseExcellent
Damage AmountExcellent
Agent CourtesyExcellent
Timely PaymentExcellent
Freedom to Select Repair ShopExcellent
Being Kept Informed of Claim StatusExcellent
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Amica has a consumer reports readers’ score of 96. Online, you can also find Amica Insurance reviews on Yelp and Amica Insurance reviews on Reddit.

21st Century vs. Amica: Which company is the best?

21st Century and Amica both have their pros and cons. This is why it is important to determine your exact needs and wants. 21st Century might be better if you have a bad driving record, but Amica has better satisfaction ratings. Additionally, Amica home insurance is also available.

Remember, rates aren’t always the most important thing to consider. You must make sure that your policy covers everything you need. Additionally, most companies offer several discounts that can help decrease your rates.

If you are tired of searching through “Top 5 insurance companies” articles, compare rates from top companies in your area by out the quote box below.

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