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21st Century Car Insurance Review for 2023
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21st Century Insurance only sells car insurance policies in California
The company is part of Farmers Insurance Group
Drivers can receive discounts for being over 55 or maintaining a clean driving record for four-plus years
21st Century Insurance sells car insurance policies to California motorists. It offers many of the discounts commonly available from auto insurers, and its policies come with complimentary roadside assistance. This benefit provides round-the-clock services including towing and lock-out assistance to each driver covered by the policy.
21st Century car insurance is owned by Farmers Insurance Group, which provides a range of insurance products to millions of customers across the U.S. By partnering with other companies, 21st Century offers other types of insurance, including motorcycle coverage and homeowners policies. The company also offers coverage for classic and antique cars.
Though 21st Century’s website does not include the bells and whistles you’ll find on many other insurers’ sites, it does allow customers to perform some routine policy maintenance online. This includes adding or removing vehicles, making payments, making changes to coverage, and adding or removing drivers.
The company’s claims service, which it describes as “powered by Farmers,” is available day and night. Claims can be submitted online or by phone.
Pros:
Complimentary roadside assistance included
Offers coverage for classic and antique cars
Cons:
Car insurance policies are only available in California
Limited coverage options
Golden State drivers who are interested in dealing with a smaller insurance company focused on only one state might want to consider 21st Century car insurance. The owners of classic or antique cars may want to learn more about the company’s program for insuring those types of vehicles.
21st Century offers standard auto insurance coverages. Contact the company directly to learn more about its full slate of coverage offerings. The following coverage options are also available:
Bodily injury liability
Bodily injury liability insurance helps cover expenses when you’re at fault in an accident that injures another person. It can cover medical costs and lost wages, and also helps cover legal expenses if you are taken to court.
Property damage liability
Property damage liability helps cover costs if you’re responsible for an accident that damages someone else’s property. This can include another driver’s vehicle or other types of property, such as a building or mailbox.
Uninsured/underinsured motorist
These coverages help pay your medical costs if you’re involved in an accident caused by a driver who doesn’t have insurance, or a driver who doesn’t have enough insurance to cover the expenses.
Collision
Collision insurance helps cover the cost of repairing or replacing your car after it’s damaged in an accident involving another vehicle, or a stationary object like a guardrail or telephone pole.
Comprehensive
Comprehensive coverage helps protect your investment when something other than a collision damages your vehicle. This can include vandalism, falling objects, or storms. It also covers theft.
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All of 21st Century’s car insurance policies include complimentary roadside assistance. The company also has rental reimbursement coverage.
Roadside assistance
This 24-hour service is included with each of the company’s car insurance policies at no extra cost. 21st Century does note on its website that customers of AAA and OnStar do not receive this benefit.
Rental reimbursement
If your car becomes disabled for more than a day due to a covered accident, rental vehicle reimbursement is available provided that your policy includes comprehensive coverage. This coverage pays a certain amount per day, up to a preset maximum amount, for up to 30 days. Higher limits are also available.
Classic and antique car insurance
Cars must be at least 19 years old to qualify. They must be in good or restored condition, be kept in a locked garage, and used primarily as hobby vehicles. Other requirements must be met as well.
Discounts for having a clean driving record and for using modern anti-theft systems are among the savings opportunities that may be available with 21st Century Insurance.
Good driver
Drivers with no tickets or accidents over the past three years may qualify. Those who do qualify can take advantage of a discount that averages 20% or more.
Superior driver
This offers savings of 10% to 20% for motorists who maintain a clean driving record for longer periods of time, four years or five-plus years.
Good student
Students under 25 years old who maintain a grade of B or better may qualify for this discount, which averages 15%.
Mature driver
Drivers over 55 may be able to save 2% on liability coverages if they complete a defensive-driving course recognized by the state.
Multi-vehicle
The discount for insuring multiple vehicles on the same policy varies.
Anti-theft
If your vehicle is equipped with modern anti-theft systems, you may realize an average savings of 15%.
California residents can obtain a quote from 21st Century by completing an online form on the company’s website or by calling 21st Century to speak with an agent.
Typically, drivers should have the following information ready when getting a quote and purchasing a policy:
Personal details (Address, contact information, driver’s license number)
Your vehicle's make, model, year, and VIN
Driving history (including accidents and violations)
Payment information
Be sure to review your coverage and policy terms carefully before purchasing.
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21st Century Insurance may be a good choice for California motorists who prefer a smaller company to one of the large national auto insurers. It has some of the same discounts most other car insurance companies offer and provides free roadside assistance with each policy. It also insures classic and antique cars. Its website, though basic, does offer the ability to perform some essential policy-related tasks online.
Through relationships with other companies, 21st Century offers other types of insurance, such as homeowners insurance. Its website states that auto insurance customers can receive a discount on homeowners insurance.
Additional coverage 21st Century offers via third-party insurers includes:
Motorcycle insurance
Watercraft insurance
Personal umbrella liability insurance
The company can be contacted through its website, www.21st.com, or at its customer service phone line: (877) 401-8181.
To cancel your policy with 21st Century Car Insurance, you can submit a cancellation request by fax or regular mail. If you need to cancel a new policy before its effective (or renewal) date, contact their office directly at 1-800-241-1188.
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