21st Century Auto Insurance Review for 2026

This 21st Century auto insurance review shows how California drivers can save up to 25% on their policies and get complimentary roadside assistance.

With minimum coverage starting at $59 per month, the 21st Century Premier Insurance Company offers competitive pricing for California drivers. With one of the largest safe-driving discounts, 21st Century offers some of the best auto insurance for good drivers.

21st Century Auto Insurance Rating

21st Century auto insurance can be affordable, but it’s not right for everyone. Enter your ZIP code into our free comparison tool to see your California car insurance options.

What You’ll Pay for 21st Century Coverage

21st Century car insurance quotes vary by age and gender, with younger drivers paying the highest rates overall.

Although car insurance rates are generally high for young drivers, the good news is that prices drop significantly by age 30, with females paying $70 and males $73 per month.

Middle-aged drivers see the cheapest 21st Century car insurance quotes — by age 60, females pay a monthly average of $59, and males pay $61.

Overall, rates decrease with age, and the gender gap in pricing narrows over time, reflecting reduced risk for more experienced drivers.

21st Century vs. Top Competitors: Auto Insurance Monthly Rates

21st Insurance offers competitive car insurance rates, with average rates of $59 per month for minimum coverage and $159 per month for full coverage.

Its minimum coverage is less expensive than Allstate, Farmers, and Liberty Mutual, but more expensive than low-cost options like Geico, State Farm, and Progressive.

21st Century offers competitive auto insurance rates across various driving records. When you compare Allstate and Liberty Mutual vs. 21st Century, you’ll see cheaper rates with 21st Century.

However, companies like Geico and State Farm vs. 21st Century show that the higher rates are usually from 21st Century. That means that 21st Century insurance auto quotes are about average compared with other companies.

However, the rates you see may differ — enter your ZIP code to see how affordable 21st Century is for you.

Auto Insurance Monthly Rates by Driving Record

With a ticket or accident, 21st Century auto insurance quotes increase to $77 and $91 for women and men. Your rates will almost always increase after a traffic violation, no matter which insurance company covers you.

Even with these increases, though, 21st Century still offers some of the cheapest car insurance compared to providers like Allstate and Farmers.

For drivers with a DUI, 21st Century’s rate is $110 per month, which is more affordable than most. However, if you compare companies like State Farm and Progressive vs. 21st Century, you’re more likely to find cheaper rates with the larger companies.

Overall, it offers good midrange pricing for drivers with clean and less-than-perfect records.

How to Lower Your 21st Century Insurance Costs

21st Century offers a range of auto insurance discounts that can help policyholders save significantly on premiums. These features offer discounts of up to 25% for insuring more than one vehicle, 20% for being claims-free, and 15% for being a good student.

21st Century Auto Insurance Discounts

Additional discounts include 10% for completing a defensive driving course, and 5% each for having anti-theft devices, enrolling in autopay, driving low annual mileage, and maintaining prior insurance coverage.

• Increase Your Deductible: Having a higher monthly payment can mean a lower premium, but make sure you can afford the out-of-pocket costs should you ever have to file a claim.
• Maintain a Clean Driving Record: Avoiding tickets, accidents, and DUIs helps you earn good driver discounts and keep rates low.
• Usage-Based Programs: Many insurers offer usage-based insurance (UBI) programs that track driving habits. Drivers can earn discounts with safe driving habits.
• Shop Around and Compare Quotes: Prices vary between insurers for the same coverage. Compare quotes every 6–12 months, especially before renewal, to get the best rate.

Smaller savings are also available with 3% off for electronic payments and 2% for going paperless, as listed in the 17 car insurance discounts you can’t miss.

Beyond standard discounts, you can save more on your 21st Century quote by raising your deductible, maintaining a clean driving record, using usage-based programs, and regularly comparing quotes to find the best rate.

21st Century Auto Insurance Coverage Options

Knowing your auto insurance options helps you make the right coverage decisions. 21st Century offers policies beyond the basics to protect a range of driving needs.

• Liability Insurance: Liability insurance protects you when you cause bodily injury or property damage to others during an accident. That’s the legal minimum in most states.
• Collision Insurance: Collision insurance pays for damage to your car caused by a collision, regardless of who is at fault. This is often mandatory if you finance or lease your car.
• Comprehensive Insurance: Comprehensive insurance covers non-collision damage, such as theft, vandalism, or hitting an animal. It’s typically paired with collision for full coverage.
• Gap Insurance: Available in select states, gap insurance pays the difference between your car’s value and what you still owe on your loan or lease if it’s totaled.
• Roadside Assistance: Included at no additional cost with most auto policies, 21st Century roadside assistance covers up to $75 in expenses for roadside emergencies.

Whether you’re a new driver or a seasoned motorist, 21st Century offers affordable, customizable coverage, including liability, collision insurance, comprehensive, gap insurance, and roadside assistance.

You also don’t have to worry about knowing how much insurance you need to legally drive in California. 21st Century representatives know exactly how much coverage you’ll need.

Whether you need minimum insurance or a full coverage policy, you can get everything you need from 21st Century. Even better, 21st Century has representatives all over California ready to help you pick the perfect amount of coverage for your needs.

21st Century makes it easy to manage your insurance policy, too. You can manage your coverage online or by downloading the 21st Century mobile app.

With 21st AUTO PAY, payments are automatically deducted monthly, and the 21st Mobile App lets you manage your policy, pay bills, access ID cards, and file claims on the go.

Ratings and Reviews for 21st Century

21st Century car insurance reviews are mixed across major rating agencies. It earns an overall satisfaction score of 865/1,000 from J.D. Power, indicating better-than-average customer satisfaction, and an A+ from the BBB for superior business practices.

21st Century insurance ratings are a little less impressive when it comes to customer satisfaction. Consumer Reports scores it 72/100, meaning satisfaction is about average, and the NAIC complaint index of 2.85 means there are more complaints than most of the industry.

21st Century Auto Insurance Business Ratings & Consumer Reviews

Financially, 21st Century car insurance reviews are strong, with an A rating from A.M. Best. That means you won’t have to worry about 21st Century paying any future claims. Overall, the company is financially stable and reputable, but has room to improve customer satisfaction, which is reflected in this Reddit user’s post.

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u/frugalhelp from discussion

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A Reddit user who works for Farmers Insurance called 21st Century’s service friendly and helpful. They often refer clients and note no complaints. They also say that 21st Century representatives can offer tips on how to file an auto insurance claim & win it each time.

Pros and Cons of 21st Century Insurance

In the process of choosing an auto insurance company, you need to consider both the advantages and potential negatives in order to identify if the company is a good match for you.

• Competitive Pricing: Offers affordable rates, especially for drivers with clean records or good credit, with average minimum coverage around $64 per month.
• Free Roadside Assistance: Includes up to $75 in towing and labor costs at no extra charge, unlike many competitors who charge extra.
• Simple Online Tools: Easy-to-use website for quotes, claims filing, and policy management; claims can also be filed by phone 24/7.

One of the standout features of 21st Century is that it offers complimentary roadside assistance with most policies. The peace of mind that 21st Century will be there in an emergency is a serious plus for most drivers.

21st Century Insurance has benefits for many drivers, but it may not suit everyone. Before you purchase a policy from 21st Century, you should be aware of the following drawbacks:

• Basic Coverage Transparency: The company website provides limited detail on coverage options and policy terms, making it harder for customers to compare plans up front.
• Premium Increases at Renewal: Many customers report unexpected rate hikes at renewal, even with no changes to their driving history.

It’s also worth noting that 21st Century is only available in California. That means anyone leaving the state will need to find a new insurance company rather than simply learning how to update their insurance policy.

21st Century is great for those on a budget who need extra benefits like free roadside assistance, but its California-only availability and high complaint rate may be concerns for some drivers.

By learning these pros and cons, you’ll be better equipped to determine whether 21st Century aligns with your insurance needs and expectations.

Find Affordable 21st Century Auto Insurance

21st Century may not be one of the best auto insurance companies in California, but its affordable rates and roadside assistance still make it worth considering. With savings of up to 25% through a variety of discounts, 21st Century makes it even easier to find affordable car insurance.

While 21st Century auto insurance reviews are generally positive, California drivers have a lot of options for coverage. To see which company offers the best rates in California for you, enter your ZIP code into our free comparison tool today.