21st Century vs. Esurance Car Insurance [2021]

Car insurance coverage and rates are competitive from tech-savvy companies 21st Century and Esurance. Both offer good coverage though they aren't available in every state. Learn more and use our free tool to compare quotes for 21st Century vs Esurance car insurance and get insured today.

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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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Here's what you need to know...

  • 21st Century and Esurance are both good options for those wanting a tech-friendly provider.
  • Which insurance carrier is right for you depends on where you plan to insure your car.
  • Both Esurance and 21st Century are subsidiaries of larger car insurance providers.

Doing your research ahead of time can take some of the hassles out of shopping for insurance policies. If you’re comparing 21st Century vs. Esurance, there are some things to bear in mind.

Esurance and 21st Century have some limitations compared to the larger car insurance providers, but if cheap car insurance is on your list of insurance must-haves, either provider may prove to be a good option. Financial strength should also factor into what company you end up choosing; your research should include not only what they offer in terms of an auto policy but whether or not they’ll be able to stand by you.

The biggest names in insurance on the market can sometimes under-deliver. A great way to circumvent getting stuck with a provider that doesn’t care is to look at customer ratings. Determining who has the most stable auto insurance policies goes far beyond who has the lowest rates.

Enter your zip code in our free quote tool to compare rates and coverage options today.

Do 21st Century or Esurance have coverage in my state?

Esurance and 21st Century are both subsidiaries of larger insurance providers. Esurance is connected to Allstate while 21st Century’s parent company is Farmers Insurance.

If you’re looking for car insurance in California you’re in luck, both carriers are available in The Golden State. However, 21st Century is only available to drivers in California while Esurance serves 43 states, California included.

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Whose coverage is better, 21st Century or Esurance?

Both carriers have good coverage in their basic policies. The minimum requirements on car insurance varies by state, but you can expect to be covered by bodily injury and property damage in a standard policy from either carrier.

Esurance and 21st Century each have a few features that go beyond the basics.

21st Century offers roadside assistance as a standard feature in all their plans and customers can easily add comprehensive and collision to their policies. For more detailed info, see our 21st Century car insurance review.

Esurance makes it easy to upgrade plans as well. In addition to collision coverage and comprehensive coverage, they also offer GAP insurance. In the event of a crash, GAP insurance pays the difference between what your car’s actual value is and the balance of your loan.

Esurance also has funeral and medical payments, rental car coverage and towing as some of the more attractive add-ons you can get for your policy. Learn more about specific policy information in our Esurance car insurance review. Both are great for tech-savvy customers, they each have easy to use apps and access to 24/7 customer service.

You’ll pay more for additional coverage, but depending on the service provider, they may have some form of a discount for customers who qualify to help with the extra cost.

What kind of discounts can I get for 21st Century and Esurance?

Chances are you’ve heard that a clean record with regards to driving, and a positive credit score, can both affect what you pay for coverage. However, there are more discounts offered than just those on the market. Take a look below to see just some of the discounts offered from each.

21st Century:

  • Switch to Save — Average of $371 savings
  • Good Student — 15 percent off policies
  • Multi-Car — Discounts vary based on how many and what type of vehicles are insured
  • Good Driver — 20 percent or more off premiums
  • Superior Driver — Good driver savings plus an additional 10-20 percent off
  • Antitheft — 15 percent off for having antitheft devices
  • Mature Driver — 2 percent off prices for qualifying seniors


  • Multi-Car– Discounts provided when you insure multiple cars with Esurance
  • Safe Driver– Rewards and discounts for safe driving
  • Multi-Policy–Bundle different policy types to save on each
  • Switch and Save– Switching from another provider saves an average of $462

Insurance premiums can be expensive; checking to see if there are discounts that will offset the cost is a very common practice. There are quite a few ways to qualify for additional discounts on coverage whether you choose 21st Century or Esurance as your provider.

Are you able to compare 21st Century and Esurance quotes?

A lot of people look to widely-trusted companies who have large online followings or a popular media presence. However, since both Esurance and 21st Century are smaller companies, they aren’t often found in the car insurance rankings. But their parent companies are.

This ranking from market research firm J.D. Power has Allstate and Farmers in their top insurance companies for claims satisfaction in 2019. Farmers ranked with 865/1000 and Allstate an 844/1000.

If Esurance ends up being your provider of choice, something to keep your eye out for is that Allstate may eventually phase Esurance out.

No matter which provider you choose, it’s important to get the very best rate possible. Given all the numerous choices and competitive rates out there, sometimes it’s best to get a visual before making your choice, and you can do that with online tools. Use our free quote tool to get started and compare rates for 21st Century vs. Esurance today.

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