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21st Century Insurance review

21st Century Insurance Review
Pros Cons
  • Excellent financial strength rating from AM Best
  • Backed by Farmers Insurance Group
  • Only available in California
  • Poor NAIC rating
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3.5 Rating from The Zebra Question mark icon

Primarily serving drivers in California, 21st Century is a part of the Farmers Insurance Group. 21st Century has excellent financial standing and is competitive in terms of coverage, but may not offer the extra features that go above and beyond to cover your bases. Our review of 21st Century's insurance coverage options and discounts can help you get an idea of the insurance company's offerings and decide if it's the right place to purchase your next policy.

JD Power Rating — Not Rated: JD Power did not include 21st Century in its most recent claims satisfaction survey.

Financial strength — Excellent: This rating, issued by AM Best, underlines 21st Century's excellent financial health its ability to reliably pay out claims.

NAIC Rating — Poor: The National Association of Insurance Commissioners received more complaints than average regarding 21st Century in its most recent year of reporting.

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21st Century car insurance coverage options

Standard coverage options like collision, comprehensive, liability, underinsured and uninsured motorist, medical payments, bodily injury, and property damage can be expected from a 21st Century car insurance policy, in addition to 24/7 roadside assistance, which is automatically included. Below, we detail some additional features you can opt-in for your coverage.

collision waiver
Waiver of collision deductible

The collision deductible is waived in the event your collision coverage kicks in to cover an accident with an uninsured motorist.

rental reimbursement
Rental reimbursement

If you get in an accident and your car is out of commission for over 24 hours while it's being repaired, 21st Century will cover rental car expenses up to $30 per day for 30 days (with a maximum sum limit of $900). This limit can be upgraded to $50 per day for up to 30 days.

additional equipment
Additional/customized equipment

If you have customized parts not originally included by the manufacturer that enhance the performance or aesthetics of your car, you might want to opt for this additional coverage. 

21st Century insurance discounts and reward programs

The discounts offered by 21st Century are primarily driver-based and don't all necessarily apply to your premium — they may be applicable towards specific coverages or vehicles.

Discounts based on the driver or vehicle

  • Good student: If you're a high school or college student who meets 21st Century's academic requirements, you may be eligible for some savings with a student discount.
  • Good driver: Good driving habits — and infrequent auto claims — are rewarded with discounted insurance rates.
  • Superior driver: If you haven't had any violations or accidents in the past four to five years, this discount may apply to your insurance premium.
  • Multi-car: Like most insurance companies, 21st Century offers a discount for adding more than one car to the same policy.
  • Mature driver: If you're over age 55 and complete a state-approved defensive driving course, you might be eligible for a discounted auto policy.
  • Defensive driver: Complete a DMV-approved driving course to receive this discount.
  • Anti-theft device: Equip your car with an approved GPS-enabled theft recovery device and you can get up to 15% off applied to your comprehensive coverage premium.

Additional lines of insurance

21st Century only offers auto insurance in California at this time.

Is 21st Century car insurance right for you?

If you're a driver in California who needs new car insurance, 21st Century might be a good option if you don't need extra bells and whistles to bolster your policy — the traditional collision, comprehensive, and liability coverage are all offered by 21st Century, and its excellent financial health should ensure your claims are fulfilled.

However, you should always shop around for quotes when you're looking for a new car insurance policy. After all, switching insurance companies when it comes time to renew doesn't affect your premium, so it's always in your favor to look elsewhere if you feel you're paying too much. We can help you look for the best rates instantly — enter your ZIP code below and see for yourself how much you can save by comparing quotes from 21st Century and dozens of other auto insurance companies.

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.