21st Century Insurance

21st Century Insurance

Founded in 1958 by Louis W. Foster, 21st Century is a large insurance company in America. AIG bought it in 2005, ultimately selling it to Farmers Insurance Group in 2009. Primarily based out of Wilmington, Delaware, they offer insurance in 49 states as well as in Washington D.C. They cover more than 10 million households as well as over 20 million policies across America, with over 50,000 independent agents and close to 24,000 employees across the nation.

Rank Chart Our Score User Score
#1 8.1 5.6 Read Review
#2 7.8 6.3 Read Review
#3 7.6 8.7 Read Review
#18 4.1 -- Current

The Good

  • Filing
  • Coverage features
  • Price range
  • Service coverage
  • Discounts


For those that are incredibly savvy when dealing with computers, claims can be filed online-however, it can also be done on the phone at any hour of any day, by speaking with an agent. This is convenient for both customers: the one who is advanced technologically and the old-fashioned customer. Because of their ongoing availability, they rank well in customer service, which is important when comparing insurance companies.

Coverage Features

21st Century Insurance offers many types of auto insurance coverage plans, including the following:

  • Bodily injury
  • Property damage
  • Collision
  • Comprehensive
  • Uninsured
  • Underinsured

Price Range

The average monthly cost of a 21st Century auto insurance policy is $132 per month.

Service Coverage

21st Century offers service in 49 states, plus the District of Columbia.


Discounts offered are as follows:

  • Multi Car Discount
  • Homeowner Discount
  • Mature Driver
  • Anti-theft
  • Passive Restraint Systems
  • Good Student
  • Driver Training
  • Anti-Lock Braking System
  • Bill Plan Discount
  • Early Shopper Discount
  • Go Green/Paperless Discount

The Bad

  • Grace period
  • Limited plan options

Grace Period

Once you've made your decision to use 21st Century Insurance, there is no turning back-at least not free of consequence, as there is, unfortunately, no grace period. They mention that, with the exception of the state of Arizona, you cannot simply sample their services. Arizona has separate legislation, requiring insurance companies to provide customers with seven-day grace periods.

Limited Plan Options

This isn't the only downside to 21st Century Insurance. If you are not a car owner, they do not provide any type of insurance plan for you. Plans are not sufficiently personalized. All drivers are insured-however, but not the passengers.

The Bottom Line

Although 21st Century Insurance has been in business since the mid-20th century, and seems to be sought after in the insurance world, it is not a revolutionary company, nor does it offer particularly innovative solutions. In addition to that, information must be provided in order to receive a quote, and it might prompt us to provide information that we are uncomfortable sharing. Despite its convenient filing system, and relatively wide range of services, there are many competitors to look into before making a decision.

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