21st Century Auto Insurance

21st Century Auto Insurance

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21st Century is a national auto insurance company with a network of 50,000 independent agents. In this review, we've included a table comparing quotes from 21st Century with two major insurers, a sample of discounts offered by the company, and ratings from industry organizations and customer surveys.

21st Century Auto Insurance Quote Comparisons

Below are sample quotes from 21st Century and comparisons to two other auto insurers, Esurance and Allstate, for five different profiles:

Driver Profile 21st Century Esurance Allstate
Married Couple (CA) $1,302 $1,509 $1,171
Married Couple (NJ) 2,361 2,092 2,112
Single Male, age 23 (NJ) 2,904 1,838 2,667
Single Female, age 23 (NJ) 1,145 668 1,571
Single Male, age 30 (NJ) 2,122 1,674 1,795

Based on our sample data, quotes for 21st Century tend to be on the higher side compared to other major auto insurance companies. From the five profiles quoted, 21st Century's rates were highest for married couples in New Jersey, and single young males. Young 23 year old females could save 27% by going with 21st Century compared to Allstate, but the best rates for this profile came from Esurance (42% less compared to 21st Century). Rates can fluctuate at the profile and company level, however, which is why consumers should get quotes from several places to get the best auto insurance rates for themselves. 

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While these rates are higher than other industry leaders, we've collected some information on car insurance discounts that may be applied towards your 21st Century quote.

Review of 21st Century's Auto Insurance Policy & Coverage

21st Century's website has very little educational information and gears people more towards getting quotes. For more information, 21st Century's network of 50,000 independent agents would be a better source. The network offers a personal touch and face-to-face interaction that some consumers may find more helpful. 

Most policyholders surveyed rated their experience with this insurer below average. The value of the coverage to premiums paid, as well as satisfaction with agents and company representatives received low ratings. Sample rates for this company in New Jersey, for example, are higher than the state average, but the company does offer a variety of discounts. 

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
  The claims adjustment process can take a few months, with frequent follow-ups required

Great Rental Car Experience and Access at 21st Century

One of the more higher-rated aspects of 21st Century is the rental car experience. Between Enterprise and Hertz, 21st Century policyholders have access to over 70% of the rental car supply and its preferred rates and direct billing - a great convenience for any driver in a bind. Insureds have the option of picking a car from other companies, but may have to wait for reimbursement. Note that Rental car coverage is an optional feature for $10 to $50 a day.

Other Payments and Claims Points

Of note is that there are no grace periods for late payments with 21st Century (except in Arizona, as required by law). Some customers have reported their insurance coverage to be cancelled without sufficient notice, which resulted in lapsed coverage, higher premiums, and state fines. 

Some insurers require that you report a claim within 48 hours of an accident or event to be covered, but with 21st Century, there are no statute of limitations. The company's policy is to provide an update or response within two business days, but motorists report that the claims process can take more than several weeks. Some insureds were dissatisfied with how long it took 21st Century to collect paperwork and investigate incidents.

21st Century Ratings

21st Century gets high marks for its financial strength and from the BBB, but on balance, the company has worse than average ratings as measured by complaints submitted to industry / regulatory organizations or feedback in consumer satisfaction surveys.

Metric Rating
AM Best Financial Strength Rating (2013) A
NAIC Complaint Index (2012) 1.04 (Slightly above Average)
JD Power Auto Insurance Experience Rating (2013) 2 / 5 (Below 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+

21st Century Auto Insurance Discounts

This table below lists a couple of discounts that 21st Century provides its policyholders. Be sure to check if you're eligible for these savings with your 21st Century agent.

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

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

How to File a Claim with 21st Century

21st Century has a voice response system activated for their claims filing service. To get to a human at 21st Century, key in the following sequence, and then answer a few short prompts.

Phone Number: 888-244-6163

To speak to a Person: 

  • Press 3 for auto claims
  • Select 1 to indicate a glass-only claim, or 2 to file a new general
  • Were there any injuries? Press 1 to indicate Yes, or 2 to indicate No
  • Were any other cars involved in the accident? Press 1 to indicate Yes, or 2 to indicate No

Phone Number for Customer Service

To Speak to a Person: 877-310-5687

  • Press 1 for a new quote
  • Press 1 to indicate you have existing auto insurance, or 2 to indicate you don't have auto insurance

About 21st Century Insurance

21st Century Insurance is a wholly owned subsidiary of the Farmers Insurance Group. This insurer has been around for over 50 years. As part of the Farmers Insurance Group, they have written more than 20 million insurance policies nationwide through 50,000+ independent agents.

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