21st Century Insurance Overview

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
Coverage Details
Our Score

The Good

The company provides customers with coverage options, ranging greatly to include Bodily Injury Liability, Collision, Comprehensive, Property Damage Liability, as well as Uninsured and Underinsured Motorist Protection. Because they offer a diverse range of coverage plans, they could cover anything from a fire to a car accident. They diversify their discount options, too, in order to give you the care that you deserve.


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:

  • 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

File/Track Claims:

Customers of 21st Century Insurance have the option to file a claim either over the phone or online. Additionally, they may track the status of their claim online.


21st Century Insurance began insuring customers’ automobiles in 1958.

The Bad

Through their website, price details cannot be obtained until after a quote has been requested. Although they offer the names of the coverage services available, it is strange that price information has been hidden. Without price ranges, it is hard to make an informed decision if you are initially hesitant about providing them with your personal information. Other drawbacks include:

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 7-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.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

X close
X close

No 21st Century Insurance Reviews

1. Select Your Rating:


2. Subject For This Review*(Select all that apply)

0 characters

3. Review Validation*


There are currently no reviews .