21st Century Car Insurance Review for 2024 [Find Rates and Discounts Here]

This 21st Century car insurance review reveals two standout benefits: an above-average J.D. Power rating of 865/1,000 for customer satisfaction and cheap rates for as low as $40 per month. Good drivers can save up to 20%.

As part of Farmers Insurance Group, 21st Century Insurance Company is a digitally-focused provider offering competitive rates, particularly for safe drivers over 35.

21st Century Car Insurance Rating

Rating Criteria
Overall Score	3.6
Business Reviews	3.0
Claim Processing	3.0
Company Reputation	3.0
Coverage Availability	4.6
Coverage Value	3.2
Customer Satisfaction	4.0
Digital Experience	3.5
Discounts Available	5.0
Insurance Cost	3.9
Plan Personalization	3.0
Policy Options	2.8
Savings Potential	4.3

While its user-friendly website and mobile app streamline policy management and claims filing, potential customers should note that coverage is not available in all states. California drivers are now served under the Toggle brand.

Although car insurance rates by state vary, you can find cheap 21st Century car insurance quotes anywhere by entering your ZIP code.

21st Century Car Insurance Pricing & Policy Types

Our 21st Century auto insurance review compares quotes and finds that this provider is all about competitive rates and digital access. It offers the basic types of coverage — liability and full coverage.

21st Century Car Insurance Monthly Rates by Age, Gender, & Coverage Level

You won’t find many different policy types at 21st Century. It only offers basic liability, collision, comprehensive, uninsured motorist, and medical payments coverage. Drivers can add roadside assistance, but it will raise your rates. If you want more policy options, check out our guide on how to find the best car insurance policy for you.

Along with coverage and policy type, your driving record will also have a big impact on 21st Century car insurance rates.

This graph demonstrates 21st Century’s risk-based pricing model, where safer drivers are rewarded with lower premiums while high-risk behaviors result in substantially higher insurance costs.

Car Insurance Showdown: 21st Century vs. Top Companies

Even as part of the Farmers Insurance Group, 21st Century Insurance still has higher rates than its parent company. When comparing 21st Century vs. Liberty Mutual, we can see that 21st Century generally charges more across all age groups, with particularly notable differences for younger drivers.

Similarly, in a State Farm vs. 21st Century comparison, State Farm offers significantly lower rates, sometimes less than half of what 21st Century charges for teenage drivers.

21st Century Car Insurance Monthly Rates vs. Top Competitor by Age & Gender

Insurance Company	Age: 17 Female	Age: 17 Male	Age: 25 Female	Age: 25 Male	Age: 35 Female	Age: 35 Male	Age: 65 Female	Age: 65 Male
	$260	$280	$145	$155	$125	$132	$115	$120
	$181	$190	$145	$155	$158	$157	$142	$147
	$172	$180	$140	$145	$136	$136	$125	$130
	$97	$93	$85	$90	$78	$78	$75	$80
	$187	$215	$155	$160	$167	$170	$150	$155
	$136	$150	$120	$130	$111	$112	$105	$108
	$141	$146	$118	$122	$109	$103	$100	$105
	$101	$111	$90	$95	$84	$84	$80	$85
	$107	$116	$98	$102	$96	$97	$91	$94
	$80	$85	$70	$75	$58	$57	$52	$55

Looking at 21st Century vs. Geico, the difference is even more striking – Geico consistently offers some of the lowest rates across all age groups, with premiums often $100-150 less per month than 21st Century.

While 21st Century now operates in California as Toggle, the overall pricing strategy and coverage options remain similar to the parent company’s standards.

21st Century Insurance Discount Programs

Perhaps most noticeable is what 21st Century car insurance discounts could save you, which is as much as 25% for safe drivers and multi-policy holders.

21st Century Car Insurance Discounts by Potential Savings

Discount Name
Good Driver	20%
Superior Driver	18%
Anti-Theft Device	15%
Good Student	15%
Multi-Vehicle	15%
Mature Driver	2%

Good student discounts and safety feature incentives are also available for customers to save. These discounts make 21st Century particularly attractive for safe drivers and students with good academic performance.

Combined discounts reduce the cost of auto insurance. For instance, though the 2 percent discount for senior drivers looks small, it can be bundled with other discounts to make for greater savings.

21st Century Customer Service Reviews & Insurance Ratings

21st Century Insurance reviews can be assessed through multiple independent rating agencies that evaluate various aspects of their service. Each agency provides insights into different aspects of the company’s performance, creating a comprehensive picture of its standing in the insurance industry.

21st Century Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 865 / 1,000 Above Avg. Satisfaction
	Score: A+ Great Business Practices
	Score: 72/100 Avg. Customer Satisfaction
	Score: 2.85 More Complaints Than Avg.
	Score: A Excellent Financial Strength

On the financial side, the A rating from A.M. Best demonstrates excellent financial strength and a strong ability to meet insurance obligations.

Save extra cash in 2022 with 21st Century Insurance®! Did you know customers who switch to 21st Century save up to $378*?! Drivers can get additional discounts, too! Learn more: https://t.co/xPXJshogNd pic.twitter.com/AsOla8YFpW

— 21st Century (@21stCenturyAuto) January 3, 2022

Check out a real customer that writes a review to determine 21st Century Insurance customer service ratings, like Rachel B.’s 5-star Yelp rating highlighting their efficient claims handling.

Prospective customers should weigh these factors and reviews against their specific insurance needs and priorities when comparing 21st Century auto insurance quotes to other companies.

Pros and Cons of 21st Century Car Insurance

Before you make a decision to go with 21st Century car insurance it is important to review its strengths and weaknesses. This is a complete analysis of the main advantages and disadvantages of 21st Century Insurance.

• Competitive Discounts: Offers up to 20% savings for good drivers and multiple discount options for various driver profiles.
• Digital Experience: User-friendly website and mobile app provide easy policy management and claims filing.
• Financial Stability: An “A” rating from A.M. Best signifies outstanding financial strength and a dependable ability to fulfill claims.

For experienced drivers and those who want the convenience of going digital and the savings that go with it, 21st Century Insurance is a particularly strong choice among the options.

• Limited Availability: 21st Century no longer sells California insurance (operates as Toggle) and is not available in all states.
• Higher Youth Rates: Significantly higher premiums for drivers under 25 compared to competitors like Geico and USAA.

The higher rates for younger drivers and the limited state availability might turn off some, but the company’s strong financial backing and efficient claims processing will make it a good choice for some drivers.

Deciding on 21st Century Insurance

In our 21st Century Insurance car insurance review, we find that the company’s biggest strength is its competitive discount program, which allows good drivers to save up to 20%. Before buying car insurance, note that its weakness is that it only operates in a limited number of states, including the conversion to Toggle in California.

For experienced drivers over 35 with clean driving records and a desire for digital service options, the insurance provider is the best fit. 21st Century Insurance really stands out for its impressive J.D. Power score of 865 out of 1,000 and above average for customer satisfaction in claims handling and overall service.

Ready to find cheaper car insurance coverage in your state? Enter your ZIP code to begin to compare 21st Century Insurance quotes.