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21st Century actively markets and sells personal auto insurance to drivers in California only, according to recent independent reviews and the company’s own site focused on California car insurance. For Hawaii, auto insurance is offered under the affiliated Farmers Hawaii brand within the Farmers Insurance family rather than the 21st Century brand itself. See confirmations from 21st Century, Forbes Advisor, NerdWallet, and Bankrate. You’ll find standard policies with optional add‑ons and 24/7 claims service. The brand also offers a mobile app so you can pay bills and initiate claims without a phone call or desktop login.
21st Century is part of Farmers Insurance Group. Financial strength is evaluated at the issuing insurance company level. As of 2025, major agencies publish insurer financial strength ratings with outlooks—see AM Best’s Financial Strength Rating guide, S&P Global Ratings’ IFS overview, Moody’s rating definitions, and Fitch rating definitions. Always verify the latest rating, outlook, and “as of” date for the exact legal entity on the agency site.
The Auto Insurance Factors We Analyzed
Pricing
21st Century’s premiums are personalized to each driver and vehicle. Location, driving history, annual mileage, and vehicle safety features are typical price inputs. In today’s market, many shoppers compare multiple quotes and consider usage-based programs to offset elevated industry pricing. Independent research shows auto insurance switchers saved in the high-$300s on average—about $388—according to J.D. Power’s 2024 U.S. Insurance Shopping Study. Actual savings vary by profile and state rules.
Customer experience
J.D. Power’s U.S. Auto Insurance Study reports regional satisfaction benchmarks for major carriers. 21st Century is not separately rank‑listed in that study, but the results provide context for California market expectations (e.g., price pressure easing in 2025 with satisfaction improving from prior lows). For a regulatory view of service complaints, consult the NAIC Consumer Insurance Search to review complaint indices by company and state.
The 21st Century Auto Insurance website supports quick quoting and an education center. The mobile app allows bill pay and one‑touch claims. Across insurance apps in 2024–2025, users increasingly expect digital ID cards, photo-based claim submission, roadside requests, and reliable performance. Platform guidance emphasizes in‑app review prompts and account/data deletion flows that align with Google’s In‑App Review API and Apple’s review request best practices, plus compliance with Android data deletion and iOS account deletion requirements.
Coverage
Standard auto policies with 21st Century include bodily injury liability and property damage liability with each standard plan. Liability covers injuries to others and damage to others’ property when you’re at fault, subject to policy limits and state requirements.
Common add‑ons include collision (your vehicle in at‑fault crashes), comprehensive (non‑collision events like theft, hail, vandalism), and uninsured/underinsured motorist coverage. Many drivers also add rental reimbursement and roadside assistance. Availability and naming can vary by state filing; always review your quote and declarations for details.
Deals, discounts, and add-ons
Discount eligibility depends on your profile and vehicle. Typical options include good driver, multi‑car, good student, and anti‑theft device discounts—see 21st Century discounts for current qualifiers. For context on potential savings from switching, J.D. Power reported average premium savings among auto insurance switchers of about $388 in its latest study window. Your results will differ based on factors like driving record, garaging ZIP code, and selected coverages.
Stacking multiple eligible discounts can reduce premiums further, but programs and amounts vary by state and underwriting rules. If you drive low annual miles or have consistently safe driving habits, requesting a telematics/usage‑based quote from competing carriers may uncover additional savings opportunities, as adoption continues to grow industry‑wide (LexisNexis Risk Solutions).
21st Century Auto Insurance Overview: Financial Strength, Availability, and History
Availability: Under the 21st Century brand, new personal auto policies are sold to California drivers only. Hawaii policies are offered via the sister brand Farmers Hawaii. This California‑only positioning is confirmed by recent third‑party reviews from Forbes Advisor, NerdWallet, and Bankrate, and aligns with the official site.
Financial strength: As part of Farmers Insurance Group, 21st Century leverages group scale and capital resources. Insurer financial strength is rated by independent agencies. Best practice is to reference the exact issuing company on your policy and verify its current rating and outlook—see AM Best’s, S&P Global Ratings’, Moody’s, and Fitch rating definitions and search pages for the latest “as of” dates.
The Competition
Use J.D. Power’s latest regional study and the NAIC Consumer Insurance Search to compare satisfaction and complaint indices by company and region. All information accurate as of November 11, 2025.
The Bottom Line
For California drivers, 21st Century offers standard coverage options, 24/7 claims, and convenient digital self‑service. If you live in Hawaii, seek coverage through Farmers Hawaii. Given continued price sensitivity, compare multiple quotes; J.D. Power reports average switcher savings around $388, though your results will vary. Check insurer financial strength directly with the rating agencies and review complaint indices via the NAIC before you decide.
App‑savvy drivers should verify that essential tasks—digital ID cards, photo claims, roadside requests, and secure account management—work reliably on their devices. Consider enabling telematics with any carrier that offers clear, consented savings and transparent data practices.
21st Century Auto Insurance FAQ
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