21st Century Insurance Logo

21st Century Insurance

Is This Your Business?
star star star star star_half
LAST UPDATED: April 27th, 2021

Founded in 1958, 21st Century Insurance specializes in California auto insurance. You can find good discounts for safe driving and the typical coverage options for personal auto insurance. If you're looking for a commercial or rideshare insurance product, you'll need to find another car insurance company.

It's also difficult to find the insurer's financial strength, which you'll want to ask about before buying an insurance policy to be sure that 21st Century Insurance is financially stable.

Although 21st Century Insurance's reviews are few in number, they are mostly positive.

Read 21st Century Insurance Reviews

Top Ranked Companies


The Good

  • Quotes Online or Over Phone
  • Association with Farmers Insurance
  • Competitive Coverage
  • Advantageous Discounts
  • Rewards for Referrals

Quotes Online or Over Phone

Although you do have to provide personal information for your car insurance quote, you can get a quote online or over the phone easily. An easy and convenient quote process are common for the auto insurance industry, so this offering makes 21st Century Insurance competitive.

Association with Farmers Insurance

21st Century Insurance is a member of Farmers Insurance Companies. Farmers is a national car insurance brand that has received primarily positive reviews on BestCompany.com. The association with Farmers also means that Farmers processes 21st Century Insurance claims.

Many car insurance companies are stand alone, so 21st Century Insurance's membership with Farmers makes it stand out.

Competitive Coverage

You can find the most common car insurance coverage options through 21st Century Insurance:

  • Liability coverage(bodily injury and personal property)
  • Collision coverage
  • Comprehensive coverage
  • Uninsured/Underinsured motorist coverage

If you're interested in additional types of coverage, like rideshare driver coverage, you may need to find another insurance carrier.

Advantageous Discounts

In addition to competitive coverage options, you can find common industry discounts and some that are less commonly available.

21st Century Insurance offers the following common discounts:

  • Multi-vehicle
  • Drivers education
  • Good grades (teen drivers)
  • Defensive driving course
  • Car safety features
  • Paperless and autopay
  • Good driver discount (at least three years of safe driving)

21st Century Insurance goes further to reward good driving with its Superior Driver discount. With this discount, you can receive additional savings for more years of accident-free driving.

Older drivers can also benefit from the insurer's Mature Driver discount for ages 55 and older. Although some insurers offer a similar discount, it isn't common for the industry.

Rewards for Referrals

Another way 21st Century Insurance benefits its policyholders is through its referral program. If you refer people, you can receive a $50 pre-paid AMEX card. Referrals who receive a quote can also benefit from a $10 gift card to Amazon, Starbucks, Walmart, or Lowes.

Not all insurers offer incentives for referrals, so this program makes the company stand out.


The Bad

  • Insufficient Customer Reviews
  • Limited Service Area
  • Hard to Find Financial Strength Ratings

Insufficient Customer Reviews

21st Century Insurance has not received as many customer reviews on BestCompany.com compared to its competitors. Conclusions about customer satisfaction are not available. 

However, it is a promising sign that the insurance company has received primarily positive reviews.

Limited Service Area

21st Century Insurance offers auto coverage in California. If you do not live in California, you'll need to find another insurance provider.

Hard to Find Financial Strength Ratings

High financial strength ratings are important for insurers. They indicate how financially stable an insurer is, which matters because you want your insurer to be able to make a claims payout if you have to file one.

The inability to find these ratings easily is concerning. Although 21st Century Insurance's association with Farmers Insurance is a good sign, it's worth asking about 21st Century Insurance's financial strength rating before purchasing an auto policy.



The Bottom Line

Although more information on financial strength ratings and customer insight would offer a clearer sense of the company, 21st Century Insurance has many characteristics that make it worth considering.

The insurance provider offers competitive discounts and coverage options. Drivers with good records can benefit the longer their history of safe driving is through the Superior Driver discount. The Mature Driver discount benefits drivers over age 55.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

star star star star star_half

9 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star star_half star_border


star star star star star_border


star star star star star_border


star star star star star_border

Filter by:


Sort by:

star star star star_border star_border

Susan Pitts Los Osos, CA

In the past couple of years my rates have gone up significantly. My use of the car hasn't changed.

6 years ago