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21st Century Car Insurance Review

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21st Century Car Insurance, a subsidiary of the Farmers Insurance Group, serves the drivers in California alone. The company offers competitive coverages, but you may not get the extra features to cover your bases. Though not regarded as one of the best car insurance companies, drivers in California can get reasonable insurance quotes from them. Besides standard coverages, 21st Century Car Insurance provides free SR-22 forms and roadside assistance.

The company usually offers insurance rates that are somewhat better than the state average compared to other insurers. However, drivers with an accident history will have to pay more to get an insurance policy. The company mainly operates by phone and online, making it easy for customers to change their policy plans, pay premiums, and file claims. Here’s our review on 21st Century Car Insurance company packages, options, and discounts that help you decide whether it’s the best place to buy your policy.

Pros and Cons decided to evaluate some of the pros and cons of 21st Century Car Insurance.


  • Availability of classic and antique car insurance
  • Free roadside assistance
  • Can submit SR-22 forms
  • Affordable rates for drivers with clean records and those with a DUI
  • Drivers can change their coverage during the policy.
  • It has a ‘refer a good friend’ program in which you can earn gift cards by referring friends and family to the 21st Century Insurance


  • The policy is only available to California drivers
  • Limited availability of perks, additional coverages, and discounts
  • It doesn’t provide a gap or rideshare insurance
  • Expensive for drivers with an accident history
  • Gets many complaints from state insurance departments, especially for claims processing

Unique 21st Century Auto Insurance Features

Farmers Insurance offers traditional auto coverage options as many other leading insurers.

Unique Features What does it do
Roadside assistance As a 21st Century Insurance policyholder, you will get free roadside assistance. The program provides towing and lockout assistance 24/7.
Rental reimbursement If you cannot drive your car due to an accident, the 21st century auto insurance rental car coverage pays for a rental car or other modes of transportation. It will reimburse you for a particular amount per day and a maximum overall amount.
Antique car insurance In addition to personal auto insurance, 21st Century also provides antique or classic car insurance. But, to qualify for coverage, the car must meet specific requirements. The car should be over 19 years old, in proper condition, and kept in a surrounded, locked garage.
SR-22 21st Century can help if you need an SR-22 insurance form filled. It is a form that your insurance company files with your state to prove that you have the state’s minimum car liability insurance requirements.

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21st Century Auto Insurance Coverages

Like other major auto insurance companies, 21st Century Insurance provides standard coverage options too.

  • Liability coverage
  • Collision coverage (optional)
  • Comprehensive coverage (optional)
  • Uninsured or underinsured motorist coverage
  • Personal injury protection
  • Roadside assistance
  • Rental reimbursement
  • Additional/customized equipment coverage

To understand types of auto insurance coverage in detail, check

21st Century Auto Insurance Rates

According to our research, 21st Century Insurance provides slightly better-than-average rates for full coverage car insurance. The insurance rates are around $684 for minimum coverage and $1,785 for full coverage. However, the insurance policy may cost around $4,440 after an accident. In California, 21st Century’s full coverage car insurance rates are less than the average per year. However, 21st Century is expensive for minimum coverage compared to major insurers like State Farm. But, be mindful that you need to pay additional for your premium after an accident.

21st Insurance Rates Compared to other companies

Company Average Full Coverage Policy cost Cost with an Accident
Geico $1385 $2520
State Farm $1878 $3720
Farmers $2277 $4005
21st Century $1783 $4440
Allstate $1890 $5085

21st Century Auto Insurance Discounts

There are many discounts that the 21st Century offer based on the driver or vehicle.

  • Good student
  • Good driver
  • Mature driver
  • Superior driver
  • Multi-car
  • Defensive driver
  • Anti-theft device
  • Paperless and autopay discount

21st Century Customer Feedback and Satisfaction Report

Farmers Insurance, the parent company, got a good reputation for customer service and handling claims. This company does the majority of its business over the phone and online. So, the insurance company is ideal for those not content with interacting with a personal agent. However, many complaints get filed with the state insurance departments against21st Century car insurance claims or payouts. Another major drawback is that customers face quick cancellations due to missed premium payments. Summary

Many consider 21st Century Insurance as an affordable insurer in California. But, what troubles the customers is that they need to pay higher premiums for their policy after an accident. However, AM Best has given the company an A credit rating. On the other hand, the Better Business Bureau has given 21st Century an A+ rating based on how the company handles customer complaints. If you don’t need addons to support your policy, 21st Century may be the best option you can get in California. The insurance offers liability coverage, traditional collision, comprehensive, and first-rate financial health should ensure your claims are fulfilled.

21st Century’s app and website allow you to perform the basics. You can use 21st Century’s website or the app to view your policy documents and insurance ID card, pay your premiums, and file claims. If you require assistance, you can chat live with an agent by visiting the website or contacting the 21st Century car insurance customer service. The mobile app also helps you find roadside assistance. The app works fine on both Android and Appledevices.

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A Brief History of 21st Century

Initially known as 20th Century Insurance, the company was launched by Louis W. Foster in 1958. He launched the company to provide insurance throughout California. The company aimed at direct sales as Foster believed that selling the policies directly to drivers with good driving records would provide lower rates. Farmers Insurance bought the company in 2009.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

Does 21st century insurance cover rental cars?

Yes. When your vehicle has at least comprehensive coverage, you can get rental reimbursement. You get the reimbursement if your vehicle is temporarily disabled for more than a day due to a covered auto accident.

Is 21st Century a good insurance company?

The company has good financial health. But, the insurance policies are slightly expensive. Also, they don’t provide discounts, and customers have issues with claims handling and payouts.

Does 21st Century car insurance provide roadside assistance?

Yes. A21st Century Insurance policyholder gets complimentary roadside assistance. It provides towing and lockout assistance 24/7.

Does 21st Century insure salvage cars?

Yes. The company does insure salvage cars.

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