Overview of 21st Century Car Insurance

21st Century Insurance is the discount arm of Farmers Insurance Group, writing auto insurance policies that might be classified as higher-risk and wouldn’t normally fit Farmers’ target demographic. It is currently only offering new policies in California. Founded in 1958, 21 Century Car Insurance was acquired by Farmers in 2009 and accounts for roughly one-tenth of Farmers’ insurance business.

How Does 21st Century Auto Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2016 U.S. Auto Insurance Claims Satisfaction Study. The highest score for each category is five stars. 21st Century Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Overall Satisfaction
First Notice of Loss (FNOL)
Service Interaction
Repair Process
Rental Car Experience
(how well company settles claims)
Customer Complaint Ratio

The National Association of Insurance Commissioners (NAIC) collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a lower than average number of complaints, while a score higher than 1 means it has more than average. The 21st Century Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Last Updated: July 2017

Financial Strength Rating

A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice.

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second “+” or a “-“ indicates the gradation of financial strength within the category. We can’t guarantee that the subsidiary of 21st Century Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best’s Financial Strength Rating Guide for more information.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.

Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of MoneyGeek.com or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A

Effective Date: January 2017

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online

Pros and Cons of 21st Century Car Insurance


  • 21st Century usually offers some of the lowest auto insurance rates available.
  • The company’s website is particularly useful for inexperienced drivers or those new to purchasing insurance. Its Auto Insurance Information Center provides them with basic information about car insurance, the claims process and how to save money.
  • As a part of the Farmers Group, 21st Century has access to a lot of the resources of its parent company, like the 24-hour HelpPoint claims system and its staff of more than 12,500 claims representatives. They also have a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.
  • Unlike many insurance carriers, a single DUI conviction usually won’t exclude you from getting auto insurance through 21st Century.


  • 21st Century is primarily an online operator, meaning you won’t get individualized, in-person attention
  • If you wish to purchase 21st Century auto insurance in any state other than California, you’ll be redirected to Farmers or Foremost, depending on the state. And in a handful of states, you’ll simply be notified that they no longer write insurance policies there.
  • While it’s not unusual for an insurance company to require a down payment to put your policy into effect, 21st Century’s required down payment is higher than the standard one-month premium

21st Century Car Insurance Coverage

21st Century’s niche market is people who need inexpensive auto insurance, and the policy reflects that. They offer basic policies and coverage levels without a lot of specialty programs. The online quoting system allows you to match your current levels of coverage, look at policies with higher or lower levels, or customize your quote by manually entering the coverage levels you would like.

The standard coverage options offered by 21st Century run from the minimum levels required by the state, up to the hundreds of thousands. One pleasant surprise is that roadside assistance coverage comes standard on all auto policies at no extra cost.

Bodily injury

Policyholders can choose coverage levels ranging from the state minimum all the way up to $1 million per incident.

Property damage

Again, the legal state minimum is the starting point, and this coverage can be increased up to a cap of $200,000.

Medical payments

21st Century’s quoting system will allow you to select medical payments coverage up to $10,000, but higher limits are available by calling the company.

Uninsured motorist bodily injury

21st Century will allow you to purchase uninsured motorist bodily injury coverage up to the level of bodily injury liability coverage that you carry on the policy.

21st Roadside Assistance

It’s nice that 21st Roadside Assistance is included at no extra charge. On the down side, the coverage is set at $75, with no option to increase it.

The optional coverage available for purchase is fairly limited, but does include uninsured motorist property damage, waiver of collision, rental reimbursement and coverage for customized equipment.


The deductibles for comprehensive coverage run from $50 up to just $1000, or you can choose coverage for the entire Actual Cash Value.


If you choose collision coverage, you can opt for a deductible ranging from $50 up to just $1000.

Waiver of collision

If you select collision coverage, you can pay a little more to include the waiver of collision. This means that if an uninsured motorist damages your car (an incident in which the insurance company would cover your loss under your collision coverage), your collision deductible would be waived.

Uninsured motorist property damage

If you do not select collision coverage, you have no protection against property damage caused by an uninsured motorist. In this case you could apply for UMPD coverage of up to $3500.

Rental reimbursement

21st Century offers rental reimbursement at a lower beginning level than many insurance companies – $25 per day up to a total of $750. But it also offers a nice high upper limit of $90 per day up to a total of $2700.

Additional customized equipment

Modifications and custom equipment can be insured for up to $5000, and for comp and collision, depending upon the value of the modifications.

Available Discounts on 21st Century’s Car Insurance

Given that 21st Century’s auto insurance is already trimmed down to provide affordable premiums, there are not a lot of additional discounts to be had. And because this is strictly an auto insurance company (home insurance and other lines of business are offered through affiliated members of the Farmers Group), you can’t bundle coverage with other insurance to help bring the costs down.

Type of Discount Description
Multi-car discount Insure two or more vehicles with 21st Century to receive this discount.
Mature driver discount Drivers aged 55 and older can receive a discount on their premium by passing a state-approved defensive driver course.
Good driver discount This discount is available to drivers who have been licensed for three consecutive years and have not received more than one point for moving violations.
Superior driver discount If you have driven for five years with no tickets or accidents, you can save even more.
Anti-theft discount Prevention and preparation are rewarded. An anti-theft system in your car will earn you some savings on your insurance policy.
Group discount Depending upon your occupation or profession, you may be eligible for this discount.

How to Make a Car Insurance Claim with 21st Century

The website makes it very easy to report a claim, even if you haven’t already set up an online account. You can report what happened, upload documents and files, and a claims representative will follow up with you. There is even a specific page to guide you through a glass repair claim. There is also a 24-hour claims number (available in English or for the hearing impaired).

How to Contact 21st Century Car Insurance

  • Website www.21st.com
  • Customer Service Phone Number 877-401-8181
  • Claim Phone Number 888-244-6163
  • Email N/A
States Served
Updated: July 28, 2017