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Last updated on Nov 18, 2020

21st Century Auto Insurance Review

Affordable auto insurance for California and Hawaii drivers ​

21st Century

  • Mobile claims process
  • $357 average annual savings
  • Solid customer service

How We Reviewed 21st Century Auto Insurance

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7 companies compared

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3 features evaluated

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5 ratings analyzed

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21st Century is available exclusively to drivers in California and Hawaii. You’ll find standard policies available, alongside a few optional add-ons. The company offers 24/7 claims service so you can file a claim anytime you need. There’s also a mobile app for drivers who want to pay their bill and file claims without logging onto a computer or calling their provider.  

Owned by Farmers Insurance, 21st Century has a solid reputation for customer service and a strong financial rating, which provides the assurance that claims will be paid out.

  • Potential for major savings
  • Subsidiary of renowned provider, Farmers Insurance
  • User/mobile-friendly website
  • Policy bundling unavailable
  • The Auto Insurance Factors We Analyzed


    21st Century offers affordable auto insurance, but specific quotes are based on your specific circumstances and personal information. Different factors have an impact on premiums, such as your driving history, credit score, and where you live. Your age and gender also affect your quote. While you can’t control everything that contributes to your rate quote, driving safely and improving your credit score are great ways to qualify for a lower offer.

    Customer experience 

    There’s no specific customer experience ranking for 21st Century through J.D. Power, but since the company is a subsidiary of Farmers Insurance, we can get an idea of what to expect based on the parent company’s ⅗ rating. . Additionally, 21st Century receives an “A+” rating from the Better Business Bureau.

    The 21st Century Auto Insurance website is extremely user friendly. You can get a quote in as few as seven minutes, plus access an education center to learn more about auto insurance. Users can manage their policy directly through the mobile app, plus pay bills, and submit one-touch claims.


    Like other auto insurance companies, 21st Century incorporates both bodily injury liability and property damage liability with each standard plan. The first covers medical bills while the second covers costs if you’re responsible for damage to property with your vehicle.

    You can also get a few standard add-ons to your 21st Century plan as well. Collision coverage pays for your own vehicle repairs when you’re responsible for the incident. Comprehensive coverage offers protection for non-collision events, such as theft. Also offered is uninsured and underinsured motorist coverage, in case you’re hit by a driver with no insurance.

    Deals, discounts, and add-ons

    According to 21st Century, new customers save an average of $357 each year. There are multiple driver discounts you may qualify for, based on good driving habits, student status, or age.

    You can get additional discounts for insuring multiple cars with 21st Century or for having a car with an updated anti-theft system. There is no limit to how many discounts you can qualify for to save on your policy.

    21st Century Auto Insurance Overview: Financial Strength, Availability, and History

    21st Century has been in business for 35 years, serving drivers in California and Hawaii. In that time, it has earned an A+ rating with the Better Business Bureau and maintains an “A” rating from A.M. Best Financial. 

    The company’s auto insurance plans are fairly standard for the industry, but its most noteworthy feature is the tech-forward mobile app, which lets you pay your bill, manage your policy, and file claims. Customer reviews of the app are mixed, but it’s definitely a step in the right direction of providing customers with an accessible way to take care of their auto insurance details. 

    The Competition

    All information accurate as of March 15, 2020.

    The Bottom Line

    21st Century is definitely a contender for California and Hawaii drivers in terms of comprehensive auto coverage, strong financials, multiple discount options, and a relatively solid customer service reputation. 

    App-savvy drivers will appreciate access to the mobile platform, even if its user friendliness is still under development. 

    21st Century Auto Insurance FAQ

    About the Authors

    Lauren Ward

    Lauren Ward Contributing Writer

    Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.