Review of 21st Century Auto Insurance: Options & Ratings
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UPDATED: Jan 7, 2021
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Deciding on a new auto insurance company that will provide you with the coverage you need at a price that stays within your budget can be a chore.
So how do you determine which is indeed the right policy for your automobile to get the best rates?
|21st Century Insurance - Key Considerations|
-21st Century is owned by Farmers Insurance Group, which provides its customers with more top-rated features.
-21st Century offers very affordable rates for the industry and is an excellent option for people with a less than perfect driving record.
-This auto insurance provider offers several money-saving discounts and rewards, including accident forgiveness, good student discounts, and complimentary roadside assistance.
-For car insurance coverage, they offer all the basics and extra benefits you may not find with other insurers.
-According to a representative, they only offer new policies to California residents.
21st Century Auto Insurance offers its policyholders a wide range of insurance products that allow them to have the convenience of reliable coverage with an affordable policy’s satisfaction.
The company, headquartered in Wilmington, DE, was founded in 1958 and was initially known as 20th Century Insurance.
Today, 21st Century is owned by the Farmers Group of Insurance Companies, which serves over 20 million individual policies throughout the country.
21st Century offers all the basics and extra add-ons you may not find with other insurance providers offering coverage.
|Driver Age||Insurance Quotes||Deductible|
|21-Year-Old||$386 per month||$500|
|30-Year-Old||$278 per month||$500|
|45-Year-Old||$191 per month||$500|
Liability Coverage, Collision, and Comprehension
As with all other insurance carriers, 21st Century offers liability coverage, which is the least amount of coverage the law requires drivers to have.
Liability is made up of two categories that include bodily injury liability and property damage liability.
Liability coverage from 21st Century contains both.
Collision coverage offers protection to drivers due to damage caused by crashes.
At the same time, comprehensive coverage offers protection against a broad range of damage types except for damage caused by a collision.
Having both types is considered “full coverage,” and it is often necessary to have full coverage when financing a vehicle.
Coverage for Accident Forgiveness
With most companies, your rates will go up after you are involved in an accident.
That is especially true if the accident was your fault.
With accident forgiveness, your rates will not go up following your first car accident, as long as you hadn’t had an accident for a specified period before you took out the coverage.
Tow and Gap Coverage
Roadside Assistance is included with all 21st Century auto policies at no extra charge.
This benefit takes care of $75 worth of towing costs as well as labor services.
If you would like to have more tow coverage, you have the option to add on more with the company’s Towing and Labor Coverage.
Gap insurance coverage can be an essential benefit for drivers if they still owe money on their car’s loan or lease.
It can close the “gap” between the balance you owe and the actual cash value (ACV) of your automobile.
If you are involved in a crash, and the car is a total loss, you are still liable for paying your lender the remaining auto loan balance.
With gap coverage, the amount of money owed can be paid for with these funds.
They offer Gap Insurance Coverage in the following states.
Auto Insurance Discounts and Reward Programs
The discounts and rewards offered by 21st Century are generally based on the driver’s driving record.
Keep in mind that some of the discounts and rewards provided by the company do not apply to your premium but may be applicable toward specific vehicles or coverages.
Good Student Discount
High school and college students that meet the academic requirements for this discount could be eligible for savings. Sometimes up to 30% in savings.
Like many other insurers, they offer a special discount to drivers who add more than one vehicle to their insurance policy.
Good Driver Discounts
Motorists who have few auto claims and good driving habits will receive a discount on their overall insurance rates.
There’s also a Superior Driver Discount for policyholders who have not had any accidents or violations within the last four to five years.
Policyholders age 65 and older who complete a state-approved driving course may be eligible for a discount on their policy.
If you complete a defensive driving course approved by the DMV, you could be eligible for this discount.
If your vehicle has an approved GPS-enabled anti-theft device, you can receive a 15% off discount that is applied to your premium for comprehensive coverage.
21st Century Insurance Review
As with any insurance provider, there are pros and cons to customer service and claims process associated with 21st Century.
|Allows policyholders to file claims by phone, online or mobile app. The company offers some of the most affordable auto insurance rates in the industry.||Operates exclusively online, you will not receive the same in-person customer service as you would from other providers.|
|Is part of the Farmers Group of Insurance, their customers have access to many helpful resources such as a 24-Hour claims service operated by more than 50,000 representatives.||Suppose you want to purchase insurance in any state besides California. In that case, you will either be redirected to Farmers Insurance or told that they do not write policies in your state.|
|Having one DUI conviction will not exclude you from getting an auto insurance policy.||The required down payment may be higher than the usual one-month premium cost.|
Additional Lines of Insurance
Here are a few more coverage options for you to consider that will allow you to have all your insurance needs taken care of by one provider.
|Renters / Homeowners Insurance||Personal Watercraft Insurance|
|Manufactured/Mobile Home Insurance||Boater’s Insurance|
|Specialty Homeowner’s Insurance Coverage||Flood Insurance|
|Motorcycle and ATV Insurance||Rental Car Reimbursement|
|Antique Auto Insurance||Auto Mechanical Breakdown Insurance|
According to information from U.S. News and J.D. Power, the total assets for 21st Century in 2017 was $25.4 million.
Farmers had a total of $17.02 billion in assets in 2019. While the company may not be one of the most popular auto insurers in the industry, its parent company, Farmers, is.
They held around 4.16% of the insurance market share in 2019.
|Better Business Bureau (BBB)||A+|
|JD Power||3 / 5|
|NAIC Complaint Index||3.35|
|WalletHub Customer Reviews*||2.2 / 5|
*includes customer complaints
At that time, Farmers Insurance was ranked as the seventh-largest private passenger provider.
They had more than $10.5 billion in direct premiums written that year.
How Much Does 21st Century Auto Insurance Go Up After a Speeding Ticket?
The average increase for insurance rates after a driver gets a speeding ticket is 10%
Does 21st Century Have GAP Coverage?
Yes, they offer GAP coverage.
If the car is a total loss following a crash, the GAP coverage will pay against that loss if you live in one of the qualifying states.
What are Other Brands Related to 21st Century?
The Farmers Group of Companies has owned 21st Century since 2009.
Farmers is a leader in the industry and offers car, home, small business coverage, and other insurance and financial services.
If I don’t live in California, can I buy a policy with 21st Century?
According to a representative, they only offer new auto insurance policies to California residents. Good alternatives for non-residents are Farmers, GEICO, and Allstate.
To learn more about 21st Century Auto Insurance, contact the experts at AutoInsureSavings.org. Our licensed professionals will be happy to answer any questions you have.
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