21st Century Auto Insurance Review (2024)
21st Century Auto Insurance offers different car insurance cost options in California. Here’s everything you need to know about 21st Century including the company’s policy options, average costs, and ratings.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Aug 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
21st Century Auto Insurance
Average Monthly Rate For Good Drivers
$111A.M. Best Rating:
A++Complaint Level:
LowPros
- SR-22 insurance filings
- Complimentary roadside assistance
- Antique and classic car insurance
- Coverage discounts
- Access to policy information with a 21st Century Insurance login
Cons
- Coverage only available in California
- No GAP coverage
- No rideshare insurance
- Few coverage options
- 21st Century Insurance offers car insurance options in California
- 21st Century provides SR-22 insurance filings and specific coverage for classic vehicles
- The company has an A+ rating with the Better Business Bureau
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.
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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.
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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
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
21st Century | $45 | $111 |
Allstate | $61 | $160 |
American Family | $44 | $117 |
Farmers | $53 | $139 |
Geico | $30 | $80 |
Liberty Mutual | $67 | $174 |
Nationwide | $44 | $115 |
Progressive | $39 | $105 |
State Farm | $33 | $86 |
Travelers | $38 | $99 |
USAA | $22 | $59 |
U.S. Average | $45 | $119 |
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
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
21st Century | $45 | $111 |
Allstate | $61 | $160 |
American Family | $44 | $117 |
Farmers | $53 | $139 |
Geico | $30 | $80 |
Liberty Mutual | $67 | $174 |
Nationwide | $44 | $115 |
Progressive | $39 | $105 |
State Farm | $33 | $86 |
Travelers | $38 | $99 |
USAA | $22 | $59 |
U.S. Average | $45 | $119 |
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
Insurance Company | Clean Record | One Accident | One DUI | One Ticket |
---|---|---|---|---|
21st Century | $111 | $158 | $190 | $135 |
Allstate | $160 | $225 | $270 | $188 |
American Family | $117 | $176 | $194 | $136 |
Farmers | $139 | $198 | $193 | $173 |
Geico | $80 | $132 | $216 | $106 |
Liberty Mutual | $174 | $234 | $313 | $212 |
Nationwide | $115 | $161 | $237 | $137 |
Progressive | $105 | $186 | $140 | $140 |
State Farm | $86 | $102 | $112 | $96 |
Travelers | $99 | $139 | $206 | $134 |
USAA | $59 | $78 | $108 | $67 |
U.S. Average | $119 | $173 | $209 | $147 |
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
Insurance Company | One Accident | Clean Record |
---|---|---|
21st Century | $158 | $111 |
Allstate | $225 | $160 |
American Family | $176 | $117 |
Farmers | $198 | $139 |
Geico | $132 | $80 |
Liberty Mutual | $234 | $174 |
Nationwide | $161 | $115 |
Progressive | $186 | $105 |
State Farm | $102 | $86 |
Travelers | $139 | $99 |
USAA | $78 | $59 |
U.S. Average | $173 | $119 |
Minimum coverage was similar, with clients paying 11% more for liability coverage if they had an accident on their record.
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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
Discount | Description |
---|---|
Anti-theft discount | Offered to drivers whose vehicles are equipped with approved anti-theft devices or systems. |
Good driver discount | Available to drivers with a clean driving record for a specified period, typically three to five years. |
Good student discount | Provided to students who maintain a certain grade point average, usually a B average or higher. |
Mature driver discount | Available to older drivers, usually over the age of 55, who have completed a defensive driving course. |
Multi-car discount | Given to policyholders who insure more than one vehicle with the same insurance company. |
Superior driver discount | Offered to drivers with an exceptional driving history, often with no accidents or violations for a longer period. |
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.
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Frequently Asked Questions
How do I cancel my 21st Century auto insurance?
You can call the company and speak with a representative to cancel your insurance policy. If you need to make any changes to your policy, you can do so by following the same steps.
Does 21st Century offer broad or unique coverage?
21st Century offers more than what is required to legally drive in your state, allowing policyholders to customize their policies to a certain extent. Additionally, the company offers a custom parts add-on that policyholders can add to their insurance coverage. Still, the company does not offer accident forgiveness, new car replacement, GAP coverage, or deductible modification.
What coverage options does 21st Century Insurance offer?
21st Century offers liability auto insurance coverage and the option to build a full coverage auto insurance policy. However, they do not offer certain types of optional coverage, such as rideshare insurance or GAP coverage. They specialize in high-risk auto insurance coverage and offer SR-22 filings.
Does 21st Century offer online car insurance tools?
The company offers 24-hour customer assistance, options for discounts, the ability to alter your policy, and tools on the company’s mobile app.
What discounts are available with 21st Century auto insurance?
21st Century offers various auto insurance discounts, such as safe driver discounts, multi-policy discounts, and good student discounts. The company also has a “Refer a Good Friend” program.
Is 21st Century Insurance a good choice?
21st Century Insurance has an A+ rating with the Better Business Bureau (BBB), but customer reviews indicate room for improvement in customer service and satisfaction. It’s recommended to read customer reviews online before purchasing a policy.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Victor Burgos
21st century insurance review
Crisssy_
Horrible insurance carrier
Andie_Alcantar
Crapy n expensive
BruP
Not Responsive at all.
acalord
No the same company it was now that Farmers has taken it ove
hmegens1941
HM 21st Century review
naq71
No price matching/Nothing for loyal customers
Mometh bousso
21st Century Insurance review
spicy77
Incessant rate increase make 21st Century a poor choice.
mikedupont
21s century company review