21st Century

21st Century Insurance was founded in 1958 and is based in Wilmington, Delaware. 21st Century, which became part of The Farmers Group of Insurance Companies in 2009, specializes in car insurance policies for residents of all 50 states. It also provides free 24/7 roadside assistance to all of its auto insurance customers, and drivers can opt for extra coverage options like comprehensive coverage, collision coverage, and rental reimbursement. The company offers live customer service Monday-Saturday as well as 24/7 claims support.
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Average annual rate for good drivers:
Average annual rate for drivers with a speeding ticket:
Complaint level:
Very High
  • 21st Century offers SR-22 insurance filings.
  • Receive roadside assistance free of charge with your 21st Century policy.
  • Offers classic and antique car insurance.
  • Has a “refer a good friend” program that could earn you gift cards for referring friends and family to 21st Century.
  • Only available for drivers in California.
  • Most complaints are related to claims handling.
  • Does not offer optional perks like vanishing deductible or accident forgiveness.
  • Does not offer gap insurance.
Grade from Collision Repair Professionals:
Accident Forgiveness:
New Car Replacement:
Gap Insurance:
Diminishing Deductible:
Usage-Based Insurance:
Pay-Per-Mile Insurance:
  • Good driver discount: If you go without getting into any collisions or receiving traffic violations for three consecutive years, you may qualify for a discount.
  • Superior driver discount: If you sustain your good driving record for more than three years, you may qualify for savings.
  • Multi-car discount: If you insure more than one vehicle with 21st Century, you can be eligible for a discount.
  • Anti-theft discount: Drivers who have cars equipped with anti-theft features can cut their auto insurance costs.
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