21st Century Auto Insurance Review: Quotes and Service (2023)

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.

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.

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.

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.