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Drivers in California may have heard about regional provider 21st Century auto insurance. In this guide, we cover 21st Century Insurance reviews, coverage options, reputability, and more to help you decide if 21st Century is the right insurer for your vehicle.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Use our tool above or call (844) 246-8209 to start comparing personalized car insurance quotes from the best auto insurance providers:

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About 21st Century Insurance

21st Century has been in business since 1954. It sells auto insurance products to California drivers and is a member of Farmers Insurance Companies.

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21st Century Auto Insurance Coverage

21st Century keeps to the basics when it comes to coverage options. It’ll give you standard coverage that includes liability, personal injury, comprehensive, uninsured/underinsured motorist, medical payment, and collision coverage, but it doesn’t have many of the more “premium” options you might expect such as 24/7 roadside assistance or new car replacement coverage.

Instead, these are the only three extra coverage options that 21st Century offers:

  • Rental car reimbursement: If you are unable to use your car for more than 24 hours due to an accident, 21st Century will reimburse you for $30/day or $50/day for 30 days, bringing the maximum total to $900 or $1,500. The $50 option is offered as an upgrade to the $30 option.
  • Custom equipment coverage: If you’ve modified your car, you can take out insurance to protect non-standard features of your vehicles.
  • Deductible waiver for uninsured/underinsured driver: If you get into an accident with an uninsured/underinsured driver, 21st Century will waive your collision coverage deductible.

21st Century Insurance Cost & Discounts

Like most car insurance companies, 21st Century auto insurance rates will depend on your specific circumstances. There are several factors that can influence how much you’ll pay for your insurance premium, including:

  • Your age, gender, and marital status
  • The year, make, and model of your car
  • Location
  • Driving record
  • Your deductible

Our cost research shows that the average driver spends $2,339 annually on comprehensive car insurance in California. This is above the national average of $1,732. The table below shows cost estimates from leading car insurance providers in California. The information provided is based on the profile of a 35-year-old driver with a clean driving record and good credit.

Car Insurance ProviderAverage Annual Cost Estimate
All State$2,497
State Farm$2,910

21st Century Auto Insurance Discounts

While its coverage options may be limited, 21st Century does offer a generous roster of discount and reward programs, including:

  • Good student discount: High-performing high school and college students are eligible for discounts.
  • Good driver discount: Drivers with a good track record may receive a discount.
  • Superior driver discount: Drivers with no traffic violations or accidents in the past four or five years may be eligible for a discount to their premium.
  • Mature driver discount: Drivers over age 55 who have completed defensive driver courses may be eligible for a discount.
  • Multi-car discount: Drivers that add more than one vehicle to their policy are eligible for a discount.
  • Defensive driver discount: Drivers who have completed a defensive driver course may be eligible for a discount.
  • Anti-theft device discount: Drivers who own a vehicle with an anti-theft device that uses the GPS to aid in its recovery may be eligible for a 15 percent discount on their comprehensive coverage premium.

21st Century Insurance Reviews

21st Century has been in business since 1958 and has a generally good reputation backing up its policies. According to AM Best, its financial strength rating is A, which is a bit below the maximum rating of A++. The financial strength rating is important, as companies with a strong financial record are more likely to fill claims.

The Better Business Bureau (BBB) has given 21st Century an A- rating. However, 21st Century is not BBB accredited and receives a higher-than-average number of customer complaints. Every review on its BBB page is 1 out of 5 stars.

“[O]ther insurance companies were quoting me 61% less on a six-month policy than what I was paying 21st […] So I went with another company and called 21st to cancel, and they told me that I owed them another $57 and I would be billed for it. The cancelation was 5 business days before my next premium monthly payment. So, not only did I find out that I was being robbed by this company on overpriced premiums but they dared to tell me I owed them more money even though I was cancelling mid-term. Farmers? No. Thank. You.”

-Kathy L., via BBB


Like many modern insurers, 21st Century insurance offers a mobile app o view ID cards, pay premiums, and file claims. While many insurers offer such services, not all of these apps are well designed.

Reviews on the Google Play and Apple App store indicate that the 21st Century app functions properly. It has a nearly 4 star review on both stores based on over 1,000 customer ratings.

Our Take On 21st Century Insurance: 3.5 Stars

Based on our research, we have rated 21st Century’s auto insurance lower than its competitors on most metrics. There have been an increasing number of complaints from customers about its service, its premiums are higher than most competitors, and it doesn’t offer as many coverage options as other providers.

On the other hand, 21st Century does concentrate on California, so some local drivers may find 21st Century’s state-specific programs to be desirable. Additionally, 21st Century does offer a good array of rewards and discount programs.

Call our team at (844) 246-8209 for free, personalized quotes. This tool can also help you explore all of your options:

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Pros Several discounts available A financial strength rating by AM Best and A- rating by BBB
Cons Only available in California Coverage options are lacking Higher-than-average customer complaints More expensive rates Not accredited by the BBB

If 21st Century doesn’t fit the bill for you, consider options from our top-rated insurers like State Farm and Geico.

State Farm

State Farm is the nation’s largest auto insurance provider and one of our top-rated insurance companies. We gave it 4.6 out of 5 stars based on its strong customer service, quick payouts, and its A++ financial strength rating from AM Best.

State Farm insurance premiums are typically cheaper than those from 21st Century, and the company offers more coverage options as well. In addition to standard insurance, State Farm covers sports cars, antique vehicles, rental cars, and commercial vehicles. What’s more: State Farm also has the second-cheapest premiums in the industry after USAA, which only covers military members.

Throughout our research, we found State Farm to be the best insurance provider for students and one of the best providers for teens due to its good grades discounts and competitive rates for teens.


Geico is the second-largest auto insurance provider in the United States. In our research, we found it to be one of the best insurance companies for students and military service members. Geico is very focused on technology, which makes it a great choice for anyone who prefers to take care of its claims online.

Geico’s premiums are a bit higher, but not by very much. Our research showed that its premiums are generally about or lower than average.

Geico is very strong financially, with an A.M. Best rating of A++, which indicates they have a greater capability to fulfill claims than other companies. Geico auto insurance reviews seem to reflect this, as Geico only received 3.89 percent of industry complaints despite being a similar size to State Farm, which received 9.01 percent of industry complaints.

21st Century Auto Insurance FAQs


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.