21st Century Insurance Review for 2026

This 21st Century insurance review shows how pre-existing customers in California 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.

It also offers a variety of other insurance policies through its partnership with Farmers, so you can cover anything important to you.

21st Century Insurance Rating

21st Century no longer sells new policies in California — instead, it directs new customers to Farmers, Foremost, Homesite, or Toggle Insurance.

Enter your ZIP code into our free comparison tool to see your car insurance options in California or anywhere else you live.

How 21st Century Insurance Works Today

21st Century Insurance operates a bit differently today than it did in the past. The company is still part of the Farmers Insurance Group family, but it no longer sells new auto insurance policies directly to customers.

When you request an auto insurance quote, you’ll be sent to Toggle if you live in California. Everyone else is redirected to Farmers. However, you can purchase from Toggle as long as you live in one of the states in which they operate.

In practice, 21^st Century now functions more like a gateway to other providers rather than a standalone option for new policies. You may not be able to purchase a brand-new policy directly from 21^st Century, but you can use it as a starting point to explore your options, including how to get the best insurance bundle for car and renters or homeowners coverage.

If you’re already a policyholder, your coverage isn’t affected by this change. Existing customers can continue to manage their policies, make payments, file claims, and receive support from 21^st Century.

21^st Century Insurance Availability

The 21^st Century Company is available only to California residents, but understanding its availability is a bit more complicated.

For starters, no one can purchase a new 21^st Century policy, regardless of where they live. You have to purchase policies through one of their partner companies, and the company you shop with depends on where you live.

As you can see, 21^st Century availability depends on which state you live in. Farmers is available in all 50 states, so you can always shop directly from 21^st Century’s parent company if you want to.

Other partners are available in more states than 21^st Century uses. For example, 21^st Century redirects only California drivers to Toggle. However, Toggle is available in about 14 states total.

The same applies to buying other types of insurance through 21st Century, including home, motorcycle, and renters insurance. The 21st Century partner that writes your policy depends on your state.

Remember that just because quotes are available where you live, it doesn’t mean 21st Century is the best option for you. For example, if you’re a high-risk driver, you’ll probably find more affordable coverage with providers like Safe Auto instead. That’s why you should always compare quotes.

Car Insurance With 21^st Century

Today, 21^st Century Auto continues to manage existing auto insurance policies for its California customers. It offers reasonably affordable policies that typically cost slightly less than the national average.

However, 221^st Century no longer sells new policies. If you’re a California driver, the 21^st Century website will redirect you to Toggle to get a quote.

If you’re not a California driver, 21^st Century will redirect you to Farmers. However, you can buy auto insurance from Toggle in about 13 other states besides California, if you’re interested in that company.

21st Century doesn’t have the variety of types of auto insurance that many of the larger insurance companies have. Still, it has everything you need for either California minimum insurance or a full coverage policy.

What You’ll Pay for 21st Century Auto 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. Competitors: 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.

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 Auto 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.

Top Auto Insurance Discounts Offered by 21st Century

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.

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.

If you’re an existing 21st Century policyholder, you can ask a representative to ensure you get every savings possible.

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.

Aside from getting discounts, you can also lower your monthly 21st Century auto insurance premiums with the following tips:

• 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.

Most insurance discounts will apply directly to your account when you purchase coverage, but some don’t. For example, you’ll need to turn in proof of your GPA to earn the Good Student discount.

You should also update any major life changes as they come up. You may qualify for more auto insurance discounts later on, so update your 21st Century representative for additional savings.

21st Century Auto Insurance Coverage Options

21st Century is an affordable option in California, but it doesn’t offer a very impressive catalog of insurance options. You can get everything you need for a minimum or full coverage policy.

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.

And, while it doesn’t have a ton of customization options, 21st Century offers a few valuable policy additions. These add-ons can increase the value of your policy and keep your car covered better.

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.

Homeowners Insurance With 21^st Century

While 21^st Century advertises homeowners insurance on its website, it doesn’t actually sell new policies. Instead, 21^st Century can help you find affordable home insurance coverage through one of its partners.

21st Century home insurance rates typically match the national average, which means you can probably get cheaper coverage with companies like Progressive or State Farm. Still, you’ll likely find affordable home insurance quotes when you shop with 21st Century.

When you buy a home insurance policy through 21^st Century, your policy will be underwritten by either Farmers, Homesite, or Foremost, depending on where you live.

21^st Century also offers customer support in case you need your homeowners insurance coverage explained, help with a claim, or want to change the limits of your policy.

There are a few benefits to buying home insurance from 21^st Century, including a 10% discount if you have an auto policy, full replacement coverage for your home and personal property, and several payment options.

Of course, you should still compare rates with other home insurance companies to make sure you get the best rates possible. To see how much homeowners insurance might cost you, enter your ZIP code into our free comparison tool.

Explore Your 21^st Century Home Insurance Options

Depending on where you live, you’ll have access to the home insurance options of either Farmers, Foremost, or Homesite when you get a 21^st Century insurance quote.

No matter which company underwrites your policy, however, you’ll have access to the same basic types of homeowners insurance.

A homeowners insurance policy typically covers basic types of damage that might happen to your home. That includes damage to the structure of your home, destroyed personal property, and even legal fees if an injured guest sues you.

You’ll also have the opportunity to buy additional coverage. Depending on which company underwrites your policy, you may be able to purchase coverage for floods, sewage backups, earthquakes, and even identity theft.

How to Save on 21^st Century Home Insurance

Just like its auto policies, 21^st Century has made it easy to save on your home insurance policies with a variety of discounts.

You’ll also likely earn a discount if you already have a 21^st Century auto insurance policy. 21^st Century offers a 10% bundling discount if you have both auto and home insurance policies with them.

However, the exact discounts available to you depend on which company underwrites your policy and where you live. Insurance companies often offer discounts on a state-by-state basis. Most discounts apply automatically, but you can always check with a representative if you think you’re not getting every deal you should be.

You can also do things like increase your deductible, lower your limits on things like the personal liability insurance portion of your coverage, and bundle your auto and home policies to save on your premiums.

Renters Insurance With 21^st Century

If you don’t own your home, you can still protect your belongings with 21^st Century’s rental insurance. 21^st Century helps customers buy affordable renters insurance through its partner companies like Farmers, Homesite, and Toggle.

While renters insurance offers valuable protection for your personal belongings, it’s usually surprisingly affordable.

Of course, the exact rates you pay for 21^st Century renters insurance depend on which company underwrites the policy. Your coverage options will also vary by which 21^st Century partner you purchase coverage from.

Farmers is one of the best renters insurance companies on the market, so most 21^st Century customers are happy with their policy options.

Renters insurance typically covers damage from fires, theft, vandalism, and water damage from sources other than floods. In some cases, your renters insurance policy may cover stolen property from your vehicle.

You’ll likely need a separate policy to cover damages from floods and earthquakes, which you may be able to purchase through one of 21^st Century’s partners.

Motorcycle Insurance With 21^st Century

Like its other advertised options, 21st Century offers motorcycle insurance through a few partnering companies. If you want a motorcycle insurance policy from 21^st Century, it will likely be underwritten by either Farmers or Foremost.

While motorcycle and auto insurance are very similar, there are some key differences. For starters, motorcycle insurance tends to be cheaper than coverage for cars and trucks.

Motorcycle insurance is cheaper than auto insurance because bikes usually cause less property damage in accidents. They’re also usually cheaper to repair or replace than larger vehicles.

Additionally, motorcycle insurance covers slightly different things than car insurance. Your helmet and custom gear are often included in your coverage, unlike in regular car insurance.

However, many motorcycle policies do not include passenger coverage, whereas car insurance does. If you frequently drive with someone else, you should speak with a representative to see what your policy covers.

And, just like car insurance, you should always compare motorcycle quotes with multiple companies to make sure you don’t overpay for your coverage. To help you overpay for your motorcycle insurance, you may qualify for these discounts:

• Affinity: If you’re part of a qualified motorcycle club, you might earn a discount on your bike insurance.
• Bundling: Pair motorcycle insurance with other policies from 21^st Century partners, and you might earn significant savings.
• Payment Options: 21^st Century and its partners often reward drivers for things like paying for their policy in full and selecting automatic payments.
• Safe Driver: Earn this discount by having a driving record free of accidents and tickets.
• Safety Course: Some 21^st Century motorcycle drivers might qualify for savings if they’ve completed an approved bike safety course.

The exact discounts you qualify for depend on where you live and which 21^st Century partner you purchase coverage through.

Most discounts apply directly to your account when you sign up for your policy, but others need documentation. For example, you’ll need to submit proof of completion to get the safety course discount.

Other Types of Insurance Offered by 21^st Century

21^st Century partners with a variety of other insurance companies to offer their customers different types of insurance. As with the types of insurance listed above, the company that underwrites your policy depends on where you live.

While you can’t buy these policies directly from 21^st Century, it can help you get quotes for the following:

• Classic Car: Get specialized coverage with some of the best classic car insurance with a policy underwritten by Foremost and managed by J.C. Taylor.
• Pet Insurance: Protect your favorite furry loved one with a policy from Toggle.
• Umbrella: Increase your personal liability coverage with an umbrella policy from Farmers.
• Watercraft: Farmers and Foremost offer boat and other watercraft insurance to 21^st Century customers.

On top of the different types of coverage listed above, you’ll have options for even more coverage. Depending on the 21^st Century partner, you might be able to add coverage for RVs, life insurance, and even supplemental Medicare.

Discounts and coverage limits for any additional type of insurance you might want to purchase also depend on where you live.

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.

Comment
by
u/frugalhelp from discussion

in
Insurance

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.

Looking at the pros and cons of a company shouldn’t be the only research you do, but it’s a great jumping-off point. To start, check out the pros of a 21st-century policy.

• Competitive Rates: 21st Century has rates that average just below the national average, with minimum wage starting at just $64 per month.
• Backed by Farmers: You get Farmers’ financial stability when you have a 21st Century policy, which means you won’t have to worry about your claims going unpaid.
• Easy Online Tools: 21st Century offers an easy-to-use website to manage your policy and start claims.
• Free Roadside Assistance: Includes up to $75 in towing and labor costs at no extra charge, unlike many competitors who charge extra.

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:

• Partner-Based Policies: You can’t buy new policies from 21st Century anymore. Instead, getting a quote from the 21st Century site will redirect you to one of its partners.
• Rate Increases: Many customers report unexpected rate hikes at renewal, even with no changes to their driving history.
• State Availability: 21st Century is only available to California residents. However, its partner companies offer coverage nationwide.

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.

If you’re not an existing 21st Century driver, you can take a look at the pros and cons of Farmers and any of its partners to see if you’re interested in their services.

Find Affordable 21st Century Insurance Today

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.