21st Century Auto Insurance Review for 2024

21st Century auto insurance rates vary by state, but average $95 a month for a married homeowner. 21st Century insurance ratings are an A with A.M. Best and an A+ with the Better Business Bureau. 21st Century Insurance Company is a subsidiary of Farmers Insurance Group, and policies are sold through Farmers agents or directly to customers.

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Sara Routhier

Sr. Director of Content

Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

Sr. Director of Content

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

UPDATED: Jan 6, 2024

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21st Century Insurance has a long history in the personal lines insurance business. The company was originally founded in 1958 to provide inter-insurance exchange auto policies to California drivers. At the time, they were (appropriately) named 20th Century Insurance. They were purchased by AIG in 2005 only to be sold to the large insurance company Farmers Insurance Group four years later. Their current headquarters is in Wilmington, DE.

Our 21st Century auto insurance review will look at rates, discounts, and the company’s reputation. Find out what 21st Century auto insurance coverage options are available and check out sample 21st Century auto insurance quotes.

The 21st Century business model hinges on providing direct-to-customer vehicle insurance in order to keep costs down and pass the savings along to their customers. The company is currently operating and managing auto policies in the 48 continental United States and Washington, D.C. They also offer policies for motorcycles and umbrella policies and tend to market their products toward a preferred-risk pool of policyholders.

Before we discuss 21st Century auto insurance in depth, compare rates right now. Enter your ZIP code for fast, free auto insurance quotes.

21st Century Auto Insurance Ratings

One of the easiest ways to tell whether your chosen insurance provider will come through for you in a time of crisis is to look at their ratings. And keep in mind that automotive insurance companies are rated on different things, such as customer service, claims satisfaction, and financial strength. Being average or below in one category might not be a bad sign; earning low ratings in several categories, however, could be problematic.

Ratings Agency Rating
AM Best Financial Strength Rating (2015) A (Excellent)
NAIC Complaint Index (2012) 1.04 (Slightly above Average)
JD Power Auto Insurance Experience Rating (2015) 3 / 5 (Average)
Complaint Ratio per Vehicle (NJ, 2012) 5 / 156,583 (Higher than Average)
Complaint Ratio per Vehicle (CA, 2011) 47 / 810,131 (Higher than Average)
Better Business Bureau Rating A+

Read more: Farmers Auto Insurance Review

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21st Century Auto Insurance Discounts

Insurance companies want your business, and one of the ways they try to earn it is by offering unique discounts. 21st Century is no exception, offering their clients the following:

Discount Type Maximum Savings*
Anti-Theft Devices 15%
Good Student 15%
Group Program Credit 9-14%
Multi-Car Discount 6%
Mature Drivers Course 2%
Persistency Credit 1%

(*All data provided by the California Department of Insurance 2013 Automobile Premium Survey, as of Aug 2013)

21st Century Auto Insurance Coverage Options

21st Century offers most basic insurance options, such as liability coverage and any additional state-mandated forms of coverage relevant to your zip code. Additionally, one of their highest-rated forms of coverage is their Rental Car Coverage due to the variety of vehicles immediately available and the convenience of direct billing. Should you wish to bundle your automobile insurance with another insurance policy from 21st Century, you can choose from:

  • Mobile Home Insurance
  • Flood Insurance
  • Vehicle Insurance (Including motorcycles, ATVs, and Boater’s Insurance)
  • Specialty Homeowner’s Insurance
  • Antique Auto Insurance
  • Life Insurance

Bundling discounts are available with some of these products.

Comparing 21st Century Insurance Rates

Because there are so many of your unique attributes used to calculate your final monthly premium, you really will benefit from getting a personalized quote before deciding on a company. For example, below are the estimated (but not guaranteed) rates for a few different but common types of drivers:

21st Century Auto Insurance QuotesLegend: 21st Century (FL) 21st Century (CA) Married HomeownerPoor CreditSingle RenterImperfect Record 153045607590105120135150165180195$95$95$154$95$124$101$206$158

Married Homeowner
Poor Credit
Single Renter
Imperfect Record






In the chart above, 21st Century’s strong preference to do business with “preferred-risk” drivers is clearly evident. For drivers who fall outside of the preferred-risk pool (drivers with poor credit or accidents on their driving record, for example) may be facing a higher monthly premium if they decide to go with 21st Century Insurance.

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Pros and Cons of 21st Century Auto Insurance

But that’s not to say that paying a slightly higher premium for an auto insurance policy won’t pay off in the long run. You have to weigh the benefits of the company and what they have to offer you vs. what your premium is paying for. For example:

Pros Cons
Network of independent agents helps to provide a personal touch to the experience Quotes for 21st Century can be a bit higher vs other companies – check for discounts
Well-rated rental car experience by consumers Auto insurance premiums can increase at each renewal through no fault of the policyholders
Millions in community-building charitable donations The claims adjustment process can take a few months, with frequent follow-ups required

Based on the information so far, good drivers with a high credit score and a preference for in-person, face-to-face business dealings might prefer the personal touch offered by their local 21st Century insurance agent. And they may get an affordable premium with a few nice discounts at the same time. However, anyone outside of the preferred-risk pool should compare 21st Century automotive insurance quotes with at least 3 other local insurance companies just to make sure you are getting the best rate at an affordable price.

Where is 21st Century Insurance located?

21st Century Corporate Headquarters is located at:

3 Beaver Valley Road
Wilmington, DE 19803

Visit the company online at www.21st.com or call the 21st Century Insurance customer service line toll-free 1-877-310-5687.

21st Century Auto Insurance: The Bottom Line

Affordable 21st Century auto insurance might be a good choice for you if you fit into the right demographic. Rates are lowest for married homeowners and those with good driving records.

Before you buy 21st Century auto insurance, however, take the time to compare your options. Enter your ZIP code below for free auto insurance quotes now.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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