21st Century vs. Arbella Insurance

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

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21st Century vs. Arbella: 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.

Arbella was founded in 1988 in Quincy, Massachusetts, when they took over Kemper Group’s Massachusetts auto insurance business, which was then troubled. Arbella’s founders worked to strengthen their partnership with independent agents. Arbella is a mutual company owned by its policyholders and prides itself on excellent customer service.

The main difference between the two companies is the states in which they sell insurance. 21st Century primarily offers coverage in California and Arbella works in Massachusetts and Connecticut. Depending on where you live, You might only have one of these companies to choose from or neither of them. 

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

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

Below is a list of the average rates that drivers typically pay with 21st Century and Arbella Insurance Group. On average, 21st Century charges approximately $156.07 per month while Arbella Insurance Group comes in at around $153.97 per month. For 21st Century, the cheapest state average is California at $155.85 per month and the most expensive is California at $155.85 per month. For Arbella Insurance Group, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month.

21st Century

Average Rate

Arbella Insurance Group

Average Rate


Average Rate

State 21st Century Arbella Insurance Group
California $155.85 -

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


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

Number of Vehicles 21st Century Arbella Insurance Group
1 Vehicle $150.12 $
2 Vehicles $234.24 $

21st Century vs. Arbella Insurance Group: Rates by Homeownership


Drivers who own their home rather than rent can sometimes get a small discount. We found that on average 21st Century charges $145.53 per month and Arbella Insurance Group charges $ per month for customers who own their home.

Own/Rent 21st Century Arbella Insurance Group
Own $145.53 $
Rent $157.76 $

What Are 21st Century and Arbella's Ratings?

21st Century and Arbella are both mid-sized insurance companies with excellent financial strength. 21st Century was founded in 1958 while Arbella was founded 30 years later in 1988. Arbella is ranked below average by JD Power whereas 21st Century is ranked slightly higher at the 'About Average' level. What Arbella does have going in its favor however is their very lower customer complaint ratio which is quite a bit lower than the industry average.

Comparison 21st Century Arbella
Year Founded 1958 1988
Financial Strength Excellent Excellent
JD Power Rating About Average Below Average
S&P Rating A+
NAIC Complaint Index 1.47% 0.11%

21st Century or Arbella: Insurance Products Offered

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

Insurance 21st Century Arbella
Car Insurance
Homeowners Insurance
Renters Insurance
Boat Insurance
Motorcycle Insurance
Business Insurance
Life Insurance
Mobile Home
Auto Mechanical Breakdown
Antique Auto
ATV Insurance
Personal Watercraft

21st Century or Arbella: Ways to Save

When it comes to discounts, Arbella offers considerably more options to save. If discounts are important to you, Arbella might very well be a better option for you. Both companies offer the standard Good Driver and Multi-car Discounts. However, Arbella offers numerous other discounts including Driver Simulator Training, Auto Loyalty, Military, and Account Credit.

21st Century Arbella
Safe Driver Discount Good Student Discount
Paperless & Autopay Discount Premium in Full Discount
Multi-Car Discount Energy-Saving Hybrids or Electrics Discount
Mature Driver Discount Auto Loyalty Discount
Annual Mileage Discount
Driver Simulator Training Discount
Motorcycle Training Discount
Auto Rewards Discount
New Home Credit
Protective Devices Discount
New Business Discount
Multi-car Family Discount
Mass Save Discount
Deployment/Active Military Duty Discount
Account Credit Discount
Multi-vehicle Discount
Anti-theft Devices Discount
Student Away at College Discount
Advanced Driver Training Discount
Experienced Motorcycle Operator Discount
Renew and Save Discount
MAHA Workshops Savings Discount
Rental Property Account Credit
Residence Safety Package
Multi-car Individual/Spouse Discount

Pros & Cons of 21st Century & Arbella


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.
  • Arbella has an excellent record of very few complaints from consumers.


21st Century
  • 21st Century mainly does business in California.
  • Arbella only offers insurance to Massachusetts and Connecticut residents.

21st Century or Arbella 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.

Wheel Focused™ on iTunes and Google Play is an app created by Arbella and is available to download, regardless of what carrier you may have. The app is designed to improve driving behaviors through real-time feedback.

21st Century Mobile App
iOS      1.9 5 user reviews
Android      3.2 934 user reviews
Arbella Mobile App
iOS      4.2 6 user reviews
Android Not Rated 0 user reviews

21st Century & Arbella 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/
Arbella Contact Info
Address 1100 Crown Colony Drive, P.O. Box 699103, Quincy, MA 02269-9103
Phone 1-800-ARBELLA
Website https://www.arbella.com/
Facebook https://www.facebook.com/arbellainsurance/
Twitter https://twitter.com/ArbellaIns
Youtube https://www.youtube.com/user/ArbellaInsurance
Linkedin https://www.linkedin.com/company/arbella-insurance-group/

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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