21st Century vs. Ameriprise Insurance

Which car insurance company is right for you? Compare plans, discounts and rates from 21st Century and Ameriprise.

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21st Century vs. Ameriprise: What You Need to Know

21st Century Insurance -- formerly 20th Century Insurance -- was founded in 1958 by Louis W. Foster and began offering auto insurance, mainly in California. Today, 21st Century Insurance sells many lines of insurance, including specialty homeowners insurance, motorcycle insurance and more. 21st Century Insurance was acquired in 2005 by AIG and then sold to Farmers Insurance Group in 2009.

Ameriprise was founded by John Tappan over 125 years ago, with a mission to help Americans achieve their goals. The company was originally called Investors Syndicate. Investing $5 each, he had 1,000 clients. In 2005, Ameriprise Financial became an independent, publicly owned company and Ameriprise Financial renamed American Express Property Casualty Insurance companies to Ameriprise Auto & Home Insurance and announced the RiverSource brand.

To learn more about each company, you can check out 21st Century Overview and Ameriprise Overview.

21st Century vs. Ameriprise Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with 21st Century and Ameriprise Group. On average, 21st Century charges approximately $218.43 per month while Ameriprise Group comes in at around $109.67 per month. For 21st Century, the cheapest state average is California at $176.01 per month and the most expensive is Florida at $251.85 per month. For Ameriprise Group, the cheapest state average is Arizona at $109.70 per month and the most expensive is Arizona at $109.70 per month.

21st Century

Average Rate

$218.43
Ameriprise Group

Average Rate

$109.67
National

Average Rate

$119.70
State 21st Century Ameriprise Group
Arizona- $109.70
California $176.01 -
Florida $251.85 -

21st Century vs. Ameriprise Group: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that 21st Century and Ameriprise Group typically charge for drivers who have more than 1 vehicle.

Number of Vehicles 21st Century Ameriprise Group
1 Vehicle $200.07 $101.86
2 Vehicles $278.24 $135.61
3 Vehicles $456.32 $
4 Vehicles $514.67 $

21st Century vs. Ameriprise Group: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average 21st Century charges $210.77 per month and Ameriprise Group charges $107.10 per month for customers who own their home.

Own/Rent 21st Century Ameriprise Group
Own $210.77 $107.10
Rent $222.33 $111.18

What Are 21st Century and Ameriprise Insurance's Ratings?

21st Century and Ameriprise are two heavyweights in the insurance industry. They are ranked very similarly across the board. Each has the same financial strength and similar JD Power and NAIC complaint ratios. Ameriprise has a bit more experience in the industry and has been around for 64 years longer than 21st Century. 21st Century was founded in 1958 and Ameriprise was founded in 1894.

Comparison 21st Century Ameriprise
Year Founded 1958 1894
Financial Strength Excellent Excellent
JD Power Rating About Average Better Than Most
Moody's Rating A3
S&P Rating A+
NAIC Complaint Index 1.47% 1.23%

21st Century or Ameriprise: Insurance Products Offered

21st Century and Ameriprise both offer a wide range of insurance coverage. Both companies offer the standard lines of insurance including Auto, Home, and Life. 21st Century offers Flood and Personal Watercraft insurance. Ameriprise offers Disability, Umbrella, and Individual Major Medical Health Insurance.

Insurance 21st Century Ameriprise
Car Insurance
Homeowners Insurance
Renters Insurance
Boat Insurance
Condo Insurance
Motorcycle Insurance
Business Insurance
Life Insurance
Mobile Home
Auto Mechanical Breakdown
Flood
Antique Auto
ATV Insurance
Personal Watercraft
Annuities
Umbrella
Individual Major Medical
Disability Insurance
Long-term Car Insurance

21st Century or Ameriprise: Ways to Save

When it comes to discounts, Ameriprise offers considerably more options to save. Both companies offer the standard Good Driver and Multi-car Discounts. However, that is about where the comparison ends. Ameriprise offers additional savings such as Education, Tenure, Vehicle Safety, Student Discounts and more.

21st Century Ameriprise
Safe Driver Discount Good Driver Discount
Paperless & Autopay Discount Defensive Driver Discount
Multi-Car Discount Garaging Discount
Mature Driver Discount Education Discount
Multi-product Discount
Claims Free Discount
Premier Safety Discount
Vehicle Safety Features Discount
Student Away Discount
Multi-car Discount
Age of Home Discount
Protective Devices Discount
Renovation Discount
IntelliDrive Program Safe Driving Discount

Pros & Cons of 21st Century & Ameriprise

Pros

21st Century
  • 21st Century offers affordable rates to good drivers in California and a few other states.
  • 21st Century is a financially strong company.
  • 21st Century offers many lines of insurance and multi-policy discounts.
Ameriprise
  • A very financially sound company.
  • One of the largest networks of agents.
  • Offers auto insurance through Costco

Cons

21st Century
  • 21st Century mainly does business in California.
Ameriprise
  • The complaint ratio for Ameriprise is higher than the national average. Since 2015, however, it has steadily decreased

21st Century or Ameriprise Mobile Apps Options

The 21st Century Mobile app is available for iOS and android. It enables you to view your policy, pay bills, report a claim, receive roadside assistance and more. The iPhone app even has other functions, like finding nearby restaurants with good ratings.

The only app available for Ameriprise is for financial services and financial planning, not for home and auto.

21st Century Mobile App
iOS      1.9 5 user reviews
Android      3.2 934 user reviews
Ameriprise Mobile App
Does not have a mobile app

21st Century & Ameriprise Contact Info

21st Century Contact Info
Address 3 Beaver Valley Road, Wilmington, DE 19803
Phone 1-877-401-81816
Website https://www.21st.com/
Facebook https://www.facebook.com/21stcenturyinsurance/
Twitter https://twitter.com/21stCenturyAuto
Youtube https://www.youtube.com/channel
Linkedin https://www.linkedin.com/company/21st-century-insurance/about/
Ameriprise Contact Info
Address 70100 Ameriprise Financial Center, Minneapolis, MN 55474
Phone 1-800.862.7919
Website https://www.ameriprise.com/
Facebook https://www.facebook.com/AmeripriseAutoHome/
Twitter https://twitter.com/AmeripriseAH
Youtube https://www.youtube.com/user/Ameriprise
Linkedin https://www.linkedin.com/company/ameriprise-auto-and-home-insurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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