21st Century Auto Insurance Review: Quotes and Service (2022)

MoneyGeek rated 21st Century as below average after the insurer scored 50 out of 100 on our scoring methodology. It received excellent ratings on financial stability but faltered in terms of satisfaction, affordability, complaints and discounts. With that said, 21st Century offers custom parts coverage as an add-on, which is uncommon among other insurance providers.

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Last Updated: 3/2/2022
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This is an iconOffers several of the most common car insurance discounts, including multiple car, good student, safe driving, anti-theft system and defensive driving discounts
This is an iconOffers unique discounts such as for vehicle recovery devices and affinity organization
This is an iconIn addition to common add-on coverages like roadside assistance and rental car and travel reimbursement coverage, it offers unique add-on coverage for custom parts


This is an iconExpensive compared to other car insurance companies
This is an iconDoes not offer bundling, airbags, pay-in-full or paperless discounts
This is an iconDoes not offer accident forgiveness, new car replacement, gap insurance, deductible modification or better car replacement coverage


21st Century has a decent service reputation, with MoneyGeek rating both its customer satisfaction and customer complaints average. Car insurance through 21st Century typically costs more than similar policies offered by other companies.

You can read MoneyGeek’s resources on the cheapest and best car insurance companies to learn more about 21st Century and other insurers. You can also use MoneyGeek’s tool if you’re interested in comparing 21st Century with other insurance providers.

How Does 21st Century Rank for Customer Service?

Farmers, the parent company of 21st Century, ranks in the middle of the best car insurance companies with a J.D. Power claims satisfaction rating of three out of five. This carrier is a solid option for those looking for inexpensive auto insurance coverage.

Customer Satisfaction Rating

First Notice of Loss:
Estimation of Process:
Repair Process:
Claims Servicing:
Rental Experience:

According to data provided by J.D. Power, Farmers (21st Century's parent company) receives a score of 865 points out of 1,000. Considering that the industry average score is 835, this score indicates that customers are more satisfied with their services than those of a typical company.

Customer Complaint Ratio

21st Century

21st Century’s customer complaint ratio is 2.85 as per the National Association of Insurance Commissioners (NAIC). The national median is 1.00 — 21st Century’s 2.85 ratio indicates that there are nearly three times more complaints against this company than the average company.

21st Century Auto Insurance Quotes: How Much Does it Cost?

Using J.D. Power’s survey data, MoneyGeek calculated the affordability scores of 21st Century. According to our findings, a car insurance policy from 21st Century is expensive compared to other auto insurers.

You should get a personalized quote to see how much a 21st Century policy would actually cost. Keep in mind that unless you’re only shopping for the cheapest insurance provider in the market, price shouldn’t be your only consideration. Certain factors like the insurer’s financial stability and complaint ratios should also be taken into account to help you decide which company’s policy meets your needs.

Is 21st Century Car Insurance Expensive or Cheap? Why?

Car insurance policies from 21st Century are typically more expensive than those from other insurers. Insurance companies aren’t always transparent with their rating calculation methodology, and 21st Century may calculate variables differently than others, charging higher rates for certain factors like your driving history, age and location.


Discounts Offered by 21st Century That Can Help You Save

Discounts can help make your 21st Century policy more affordable. The company offers most of the common car insurance discounts. These include multiple car, good student, safe driving, anti-theft system and defensive driving discounts. However, it doesn’t have discounts for bundling, airbags, paying in full or going paperless.

Still, 21st Century does have unique discounts you don’t typically see from other insurance firms. Among these are vehicle recovery system discounts and affinity organization discounts.

Compare 21st Century Directly With Other Car Insurance Companies

MoneyGeek’s resources can help you compare 21st Century to other major insurance providers operating in your state. You can use our comparison tool to see how 21st Century performs against other companies in terms of customer service, cost and standout coverages. Our tool can also refer you to other resources to help you further compare insurance firms.

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Does 21st Century Offer Broad or Unique Coverage?

Like all insurance companies, 21st Century offers standard coverages such as liability insurance, comprehensive* and collision insurance. It also provides its customers the option to buy common add-on coverages like roadside assistance and rental car and travel reimbursement coverage. However, 21st Century doesn’t offer accident forgiveness, new car replacement, gap insurance, deductible modification or better car replacement coverages.

That said, the insurer offers custom parts coverage as an add-on, which is rarely offered by other insurance providers. Adding custom parts coverage to your 21st Century policy is useful since it covers damage to equipment that is not the vehicle manufacturer's standard.

What Online Auto Insurance Tools Does 21st Century Offer?

You can easily shop for car insurance by comparing quotes from multiple providers. 21st Century stands out for its 24/7 coverage, effortless policy manageability, attractive savings options, useful mobile app and expert guidance.

21st Century offers good customer support features through its mobile app. You can use it to view ID cards and coverage details, pay bills and report a claim with a single touch.

  • Type of Feature
  • Calculators
    An online rate calculator is available.
  • Online Price Quotes
    Get a free quote online. Simply enter your ZIP code to start your quote.
  • Online Bill Pay
    21st Century offers online bill pay.
  • Online Claims
    You can file your claim online.
  • Payment Options
    Pay your bill online on the company website.

Financial Strength

According to AM Best, 21st Century’s parent company (Farmers) receives a financial strength rating of A, which indicates an excellent level of stability. This rating denotes the ability of a provider to meet its insurance obligations.


How to Make a Car Insurance Claim With 21st Century

You can file a claim online or through the company’s 24-hour phone line. For online claim reporting, you can simply upload the required documents. A claims agent will contact you for follow-up details. The company's website also offers a specific page for glass repair claims.

Contact 21st Century Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.