21st Century Auto Insurance Review (2026)

If you need auto insurance in California, you may want to consider 21st Century Insurance. The company offers liability and full coverage options, including roadside assistance.

Anyone looking for a more robust coverage plan may want to look elsewhere, as 21st Century doesn’t include as many options as its competitors. Additionally, if you live outside of California, you’ll want to find and compare quotes from multiple companies to get coverage that works best for you.

What You Should Know About 21st century insurance

21st Century Insurance has an A+ rating with the Better Business Bureau (BBB). However, the BBB website also shows that 21st Century closed 25 complaints in the last three years.

Still, 21st Century has a one out of five-star rating on the BBB website, suggesting the company has room to improve customer service and satisfaction. Customer complaints range from hidden policy fees to poor claims handling.

21st Century had more than the expected number of complaints based on its size, and according to the National Association of Insurance Commissioners, the number of auto insurance complaints against 21st Century is significantly high when compared to some of the best auto insurance companies.

If you’re considering doing business with 21st Century Insurance, you may want to read some customer reviews online before purchasing a policy.

How can I contact 21st Century?

You can contact 21st Century by calling 877-401-8181 or by visiting their website. If you know you will need to file an auto insurance claim, there are different ways of getting in touch with the company.

How can I make a car insurance claim with 21st Century?

You can make a car insurance claim through the company’s app or by calling the company’s 24-hour phone line at 888-244-6163.

Does 21st Century have a mobile app?

The 21st Century mobile app allows policyholders to pay their bills, view policy information, request roadside assistance, and acquire insurance ID cards when they need them. Reviews for the 21st Century app are anywhere from 2.3 to 3.8 out of five.

Who is 21st Century car insurance a good fit for?

21st Century auto insurance is good for drivers who have a fairly clean driving record, and may also be helpful to anyone who considers making changes to their policy. People who are looking for a one-on-one connection with an agent, or those looking for auto insurance with a bad driving record, may not find 21st Century to be a good fit.

21st century insurance Insurance Coverage Options

21st Century doesn’t have as much coverage as other companies, but it offers proper liability auto insurance coverage and the option to build a full coverage auto insurance policy. Coverage options with 21st Century Insurance company include:

• Bodily injury liability
• Property damage liability
• Collision auto insurance coverage
• Comprehensive auto insurance coverage
• Uninsured/underinsured motorist coverage

Though 21st Century car insurance offers coverage to various client types, the company specializes in high-risk auto insurance coverage for individuals and offers SR-22 filings. So if you have a less-than-ideal driving record and need liability coverage, 21st Century may work well for you.

The company doesn’t offer other popular types of optional coverage, like rideshare insurance coverage or Gap insurance. However, the company offers complimentary roadside assistance to its policyholders. So if you’re in the market for a robust policy, 21st Century may not be the best fit.

More Car Insurance Options with 21st Century

In addition to the options listed above, 21st Century also offers the following:

• Roadside assistance
• Classic car insurance coverage
• Rental car reimbursement
• SR-22 filing and coverage
• Waiver of collision deductibles
• Coverage for additional or customized equipment on your vehicle

Each option listed above is likely to make your auto insurance policy a bit more expensive, but you may find that the coverage helps you feel safe and allows you to have peace of mind when you are driving.

What is SR-22 insurance?

If you have a DUI conviction or several traffic violations in a short period, you may need an SR-22 form. SR-22 forms prove to your state’s department of motor vehicles that you have proper insurance and can take financial responsibility if you’re in a car accident.

If you live in California and need affordable SR-22 insurance, you may find that certain companies are unable or unwilling to provide coverage. However, 21st Century offers SR-22 filings and coverage throughout the state.

21st century insurance Insurance Rates Breakdown

Several factors affect your auto insurance rates. Some of the most common factors affecting car insurance include:

• Age
• Gender
• ZIP code
• Car make and model
• Driving history
• Credit score
• Marital status
• Coverage type

The table below shows average rates for coverage with 21st Century car insurance compared to similar insurance companies.

21st Century vs. Competitors: Auto Insurance Monthly Rates by Coverage Level & Provider

21st Century Auto Insurance Rates by Age

The following table shows the average 21st Century rates for auto insurance compared to the national average based on a person’s age. Auto insurance for teens comes with the highest rates.

21st Century vs. Competitors: Auto Insurance Monthly Rates by Coverage Level & Provider

Rates with 21st Century Based on Driving History

Lastly, the next table shows average rates for auto insurance with 21st Century based on a person’s driving history.

21st Century vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record

You’ll never know how much you’ll pay for coverage with 21st Century Insurance until you get a quote from the company. The company website allows you to get a quote for car insurance coverage, or you can call the 21st Century insurance phone number for more information.

How are 21st Century auto insurance rates for drivers with an accident?

If you need auto insurance after an accident, you can expect to pay more for coverage with 21st Century. Full coverage costs with an accident are around 16% higher than the average, which could end up costing more than $600 annually.

21st Century vs. Competitors: Auto Insurance Monthly Rates for Drivers With an Accident

Minimum coverage was similar, with clients paying 11% more for liability coverage if they had an accident on their record.

21st century insurance Discounts Available

Depending on your unique situation, you may qualify for one or more auto insurance discounts with 21st Century auto insurance. Some of the discount options include:

21st Century Insurance Discounts

21st Century discounts can help policyholders save as much as 20% on their policies. In most cases, you’ll automatically receive a discount with 21st Century if you qualify. However, if you want to ensure you get the best rates possible, you can speak to a representative with the company to inquire further.

What is 21st Century’s Refer a Good Friend program?

With the 21st Century Refer a Good Friend program, you can earn gift cards when you refer family and friends to 21st Century for their insurance needs. For example, you could earn a $25 gift card to a favorite store or restaurant if you recommend a friend to the company and that individual receives a free quote.

How 21st century insurance Ranks Among Providers

21st Century’s full coverage auto insurance rates are slightly lower than average when compared to other competitors. The company’s full coverage rates were $76 cheaper than the state average in California.

However, liability-only policies or auto insurance for drivers with a DUI are often more expensive with 21st Century than they are with other competing companies.