21st Century Insurance Review for 2025 (+Options & Cost)

This 21st Century auto insurance review highlights savings of up to 25% for multi-car policies and complementary roadside assistance for California drivers through 21st Century Premier Insurance Company.

21st Century Auto Insurance Rating

With minimum coverage starting at $59 per month, the company offers competitive pricing for California drivers. It factors in age, credit, and driving history to calculate personalized premiums.

Policyholders also benefit from up to 25% in discounts, including savings for multi-car policies, safe driving, and good student performance, making it one of the best auto insurance for good drivers.

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21st Century Auto Insurance Costs

21st Century’s auto insurance rates vary by age and gender, with younger drivers paying the most. An 18-year-old female pays around $232 per month, while an 18-year-old male pays $261. Rates drop significantly by age 30, with females paying $70 and males $73.

Middle-aged drivers see the lowest premiums, by age 60, females pay $59 and males $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 Century Insurance has competitive car insurance rates, with the average costing $64 per month for minimum coverage and $159 for full coverage. Its minimum coverage is more expensive than Allstate, Farmers and Liberty Mutual but less expensive than low-cost options like Geico, State Farm and Progressive.

For full coverage, it remains more affordable than Allstate, Farmers, and Liberty Mutual, though Geico, State Farm, Travelers, and Progressive offer lower rates. Overall, 21st Century provides solid mid-range pricing with the added reliability of being part of the Farmers Insurance Group.

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21st Century Auto Insurance Rates by Credit Score

21st Century Insurance Company offers competitive full coverage auto insurance rates across all credit tiers. Drivers with good credit pay about $130 per month, cheaper than most major insurers except Geico. With fair credit, the rate rises to $155, still below companies like Allstate and Liberty Mutual.

Auto Insurance Full Coverage Monthly Rates by Credit Score

The premium for bad credit is $205, an amount lower than the average of most competitors, but above Geico’s. Overall, 21st Century is still an affordable option, especially for people with good or fair credit.

21st Century offers competitive auto insurance rates across various driving records. Drivers with a clean record pay about $64 per month, cheaper than Allstate and Liberty Mutual but higher than Geico and State Farm.

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

With a ticket or accident, rates increase to $77 and $91, but 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 but more expensive than State Farm and Progressive. Overall, it offers good midrange pricing for drivers with clean and less-than-perfect records.

21st Century Auto Insurance Discounts & Saving Tips

21st Century offers a range of auto insurance discounts that can help policyholders save significantly on premiums. These features offer as much as a 25% discount 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, with some insurers rewarding accident-free years.
• Usage-Based Programs: Many insurers offer usage-based insurance (UBI) programs that track driving habits. Safe drivers can earn extra discounts by braking gently and avoiding late-night driving.
• 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 by raising your deductible, keeping a clean driving record, using usage-based programs, and regularly comparing quotes for 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 Coverage: Protects you when you cause bodily injury or property damage to others during an accident. That’s the legal minimum in most states.
• Collision Coverage: Coverage that 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 Coverage: Protects against non-collision damage such as theft, vandalism, fire, hail, or hitting an animal. It’s typically paired with collision for full coverage.
• Gap Insurance: Available in select states, this coverage pays the difference between what your car is worth 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, it covers up to $75 in towing and labor expenses for roadside emergencies like breakdowns or flat tires.

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

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.

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21st Century Auto Insurance Reviews

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

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, it’s strong, with an A rating from A.M. Best, showing excellent ability to pay claims. Overall, the company is financially stable and reputable but has room to improve customer satisfaction.

A Reddit user from Farmers Insurance called 21st Century’s service friendly and helpful. They often refer clients and note no complaints, echoing tips from how to file an auto insurance claim & win it each time.

Pros and Cons of 21st Century

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.

21st Century Insurance has benefits for many drivers, but it may not suit everyone. Check out 17 tips to pay less for car insurance before reviewing the pros and cons.

• 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 policy renewal, even with no changes in driving history.

While 21st Century is great for those on a budget with a need for extra benefits like free roadside assistance, but its California-only availability and high complaint rate may be concerns to 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 offers cheap car insurance in California only, offering minimum coverage from $64 per month. Drivers can save up to 25% by earning multi-car, clean driving, and good student discounts.

While it delivers value with features like free $75 roadside assistance, gap insurance, and comprehensive auto insurance, this 21st Century auto insurance review also highlights key weaknesses, including limited state availability and a higher-than-average complaint index.

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