This is an iconCheap auto insurance prices
This is an iconIdeal for new insurance buyers and inexperienced drivers
This is an iconA single DUI violation will not prevent you from purchasing insurance


This is an iconLack of personalized attention as the company mainly operates online
This is an iconCoverage restricted only to California
This is an iconHigh down payments

How Does 21st Century Auto Insurance Rate?

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 3 out of 5. 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 816 points out of 1,000. Considering that the industry average score is 835, this score indicates that customers are slightly less 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.

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.


21st Century Insurance Features

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.

21st Century Auto Coverage

21st Century's standard and additional coverage features include bodily injury liability, property damage liability, collision coverage, comprehensive coverage and uninsured and underinsured motorist coverage.

  • Type of Coverage
  • Collision
    Collision coverage pays for damage to your vehicle after any collision with another car.
  • Uninsured
    This coverage pays for your medical and related costs if you suffer an injury in an accident caused by an uninsured or underinsured motorist.
  • Liability
    Liability coverage includes bodily injury liability and property damage liability.

Optional Insurance Features and Coverage

21st Century offers the following optional features and coverage for its policyholders.

  • Type of Option
  • Rental Reimbursement
    21st Century's rental reimbursement level starts at $30 per day, up to a total of $900. You also have the choice of an upgraded upper limit of $50 a day, up to a total of $1,500.
  • Roadside Assistance
    Roadside assistance is offered at no extra cost. The coverage price is $75, and you can opt to increase your coverage.
  • Auto Glass Repair
    You can report an auto glass repair claim via phone or online appointment.
  • Other
    Bodily injury liability - You can select coverage levels from the state minimum to up to $1 million per incident. Property damage liability - The starting point is the state minimum, and you can increase the coverage to up to $200,000.

Available Discounts on 21st Century Car Insurance Coverage

21st Century's discounts are limited because its premiums are relatively cheap in the first place. You cannot bundle policies because this Farmers Group affiliate only offers auto insurance.

  • Type of Discount
  • Safe Driver
    This discount is offered to drivers who have been licensed for three successive years while receiving no more than one point for moving violations.
  • Defensive Driver
    Drivers who have no accidents or tickets for five years can get this discount.
  • Good Student
    This discount is available for students under the age of 25 who maintain average grades of "B" or better.
  • Multi Vehicle
    21st Century offers this discount if you insure two or more vehicles.
  • Anti Theft
    You can qualify for this discount by installing an anti-theft device in your car.

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. 21st Century'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 and 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.