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21st Century Review

21st Century makes purchasing a customized auto insurance policy fast and easy, and they offer a nice variety of discounts that will appeal to all types of drivers. Get Quotes

Fletcher Wilson

Fletcher Wilson

Auto Insurance Expert

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Updated: March 19, 2014

The Good

Nice selection of driver discounts:

21st Century offers you several ways to save money on your auto insurance policy, including a safe driver discount, insuring multiple vehicles, and paying your premiums in advance. There are also discounts for members of certain affiliated organizations or partner companies. If you drive less than 15,000 miles in a year, you will be eligible for 21st Century's low mileage discount. Family and good student discounts will be appealing for parents looking to add their teens to their auto insurance policy. In addition to all the general driver discounts, you can also save if you are a member of the U.S. military or by remaining with 21st Century for an extended period of time.

GAP insurance and new car replacement:

If your car is totaled in an accident, 21st Century's GAP insurance coverage makes sure that you aren't stuck paying for the remainder of your car loan. They will pay the difference between the value of your car and the balance remaining on the loan, leaving you one less thing to worry about. If your car was less than one year old at the time of the accident, 21st Century will also replace it with a brand new version.

Design and manage your policy with ease:

You can get a quote and purchase a 21st Century auto insurance policy right online thanks to the online quote tool. Just answer a few questions about the vehicle you'd like to insure and your driving history, and then adjust your coverage options until you find a policy that has everything you need. 21st Century offers liability, uninsured/underinsured motorist, and collision and comprehensive coverage. Once you're happy with your policy, you can purchase it directly online. If at any time you need to edit your policy, you can easily do so through your 21st Century online account. Adding a driver, replacing a vehicle, or viewing your billing information can all be done with just a few clicks.

The Bad

No mechanical breakdown coverage:

If your car suffers a mechanical breakdown, you will have to pay for the repairs yourself because 21st Century auto insurance doesn't cover mechanical repair costs that go beyond routine maintenance. Although this is not uncommon among auto insurance providers, there are still several companies that do offer this type of coverage. If you are interested, it may be a good idea to look at a few other auto insurance providers.

Limited mobile tools:

21st Century does provide a mobile app for their auto insurance customers, but it doesn't allow you to do much beyond view and edit your policy details. You can't get a quote through the app, and there's also no way to file a claim. Not everyone will be interested in using a mobile app to manage their 21st Century auto insurance policy, however, so this probably won't be a big concern.

No Accident Forgiveness program:

If you get into an accident, you can count on your 21st Century auto insurance rates going up because 21st Century doesn't have any sort of Accident Forgiveness program in place. Almost every major auto insurance provider has an Accident Forgiveness program, so it is a little surprising that 21st Century doesn't. That being said, there are plenty of nice discounts you can take advantage of to help lower your auto insurance rates, and if you're a safe driver, this probably won't be much of a problem at all.

The Details

Financial Strength
A.M. Best FSR Rating A
A.M. Best ICR Rating a
Moody's Rating N/A
Standard & Poor's Rating A+


Driver Discounts

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  • Defensive Driver Discount - You can get a discounted rate if you complete a defensive driving course.
  • Discount Finder - The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.
  • Family Discount - Direct family members of current policy holders get a low rate.
  • Good Driver Discount - You can get a discount for having a clean driving record.
  • Good Student Discount - Students that maintain a good GPA can get a policy discount.
  • Low Mileage Discount - You can get a discount for driving low mileage each year.
  • Loyalty Discount - You can get a discount if you remain with the company over an extended period of time.
  • Military Discount - You can get a discount if you are a member of the military.
  • Multiple Policy Discount - You can get a discount for having multiple insurance policies with the same company.
  • Multiple Vehicle Discount - You can get a discount if you insure multiple vehicles.
  • Organization Discount - You can get a discount to if you are affiliated with certain organizations or partner companies.
  • Prepay Discount - You can get a discount if you pay your premiums in advance.
  • Accident Forgiveness - Your rates do not automatically increase after an accident.
  • Driving Habits Discount - You can get a discounted rate if you place a device in your car that measures your driving habits.

Payment Options

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Policy Coverage

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Policy Management

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Vehicle Coverage

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Additional Benefits

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Claim Management

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Getting Started

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Learning Materials

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Vehicle Discounts

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