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21st Century vs. Hartford Insurance
Which car insurance company is right for you? Compare plans, discounts and rates from 21st Century and Hartford.
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21st Century vs. Hartford: 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.
The Harford was founded in 1810 by Nathaniel Terry. He was the president of a small fire insurance company which, 15 years later, wrote a policy for Yale University. In 1835, a large fire destroyed most of the buildings in New York City’s Financial District and all claims were paid. In 1861, the Hartford provided protection for president-elect Abraham Lincoln’s Illinois home after he arranged to move to the White House. In 2010 The Hartford celebrated their 200th anniversary. Since its inception, the company has been named a World’s Most Ethical Company 11 times by the Ethisphere Institute.
To learn more about each company, you can check out 21st Century Overview and Hartford Overview.
21st Century vs. Hartford: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with 21st Century and Hartford. On average, 21st Century charges approximately $171.74 per month while Hartford comes in at around $214.97 per month. For 21st Century, the cheapest state average is California at $171.31 per month and the most expensive is Florida at $191.26 per month. For Hartford, the cheapest state average is California at $214.86 per month and the most expensive is California at $214.86 per month.
Average Rate
Average Rate
Average Rate
| State | 21st Century | Hartford |
|---|---|---|
| California | $171.31 | $214.86 |
| Florida | $191.26 | - |
21st Century vs. Hartford: 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 Hartford typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | 21st Century | Hartford |
|---|---|---|
| 1 Vehicle | $159.90 | $204.65 |
| 2 Vehicles | $251.54 | $280.08 |
21st Century vs. Hartford: 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 $172.46 per month and Hartford charges $216.10 per month for customers who own their home.
| Own/Rent | 21st Century | Hartford |
|---|---|---|
| Own | $172.46 | $216.10 |
| Rent | $171.64 | $214.81 |
What Are 21st Century and Hartford Insurance's Ratings?
21st Century and The Hartford have very similar ratings in each category. Both companies are rated as having Excellent financial strength. The Hartford was founded in 1810, 148 years before 21st Century was established in 1958.
| Comparison | 21st Century | Hartford |
|---|---|---|
| Year Founded | 1958 | 1810 |
| Financial Strength | Excellent | Excellent |
| BBB | A+ | A |
| JD Power Rating | About Average | |
| S&P Rating | A+ | A |
| NAIC Complaint Index | 1.47% | 1.65% |
21st Century or Hartford: Insurance Products Offered
21st Century and Hartford both offer a wide range of insurance products. Each company offers Auto, Home and Boat insurance. The Hartford offers additional niche products that 21st Century does not. Hartford offers Workers Compensation, Risk Engineering, Surety & Fidelity bonds and Home-based Business insurance.
| Insurance | 21st Century | Hartford |
|---|---|---|
| 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 | ✔ | ✔ |
| Umbrella | ✔ | ✔ |
| Workers Compensation | ✔ | |
| Management Liability Insurance | ✔ | |
| Risk Engineering | ✔ | |
| Surety & Fidelity Bonds | ✔ | |
| General Liability Insurance | ✔ | ✔ |
| Commercial Auto Insurance | ✔ | ✔ |
| Commercial Umbrella Insurance | ✔ | |
| Home-based Business Insurance | ✔ | |
| Employment Practices Liability Insurance | ✔ | |
| Multinational Insurance | ✔ | |
| Professional Liability Insurance | ✔ |
21st Century or Hartford: Ways to Save
The Hartford and 21st Century each offer a different collection of discounts for their customers. 21st Century offers Safe Driver, Paperless Autopay, Multi-car, and Mature Driver Discounts. The Hartford offers Driver Training, Good Student and Paid-in-full discounts as well as a Policy-bundling discount.
| 21st Century | Hartford |
|---|---|
| Safe Driver Discount | Anti-theft Device Discount |
| Paperless & Autopay Discount | Vehicle Fuel Type (Hybrid or Electric Vehicles) |
| Multi-Car Discount | Good Student Discount |
| Mature Driver Discount | Bundle Insurance Savings |
| Airbags Discount | |
| Driver Training Discount | |
| Defensive Driver Course | |
| Paid-in-Full Discount |
Pros & Cons of 21st Century & Hartford
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.
Hartford
- Great discounts for AARP members for both auto and home.
- High customer satisfaction ratings.
Cons
21st Century
- 21st Century mainly does business in California.
Hartford
- This is not the most affordable option for newer drivers and non-AARP members.
- A high number of complaints filed.
21st Century or Hartford 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 Hartford smartphone app allows users to view important documents and access a digital auto ID card. You can pay bills, file and track claims, contact an agent, access roadside assistance and more.
| 21st Century Mobile App | ||
|---|---|---|
| iOS | 1.9 | 5 user reviews |
| Android | 3.2 | 934 user reviews |
| Hartford Mobile App | ||
|---|---|---|
| iOS | 3.9 | 265 user reviews |
| Android | 3.7 | 513 user reviews |
21st Century & Hartford Contact Info
| 21st Century Contact Info | |
|---|---|
| Address | 3 Beaver Valley Road, Wilmington, DE 19803 |
| Phone | 1-877-401-81816 |
| Website | https://www.21st.com/ |
| https://www.facebook.com/21stcenturyinsurance/ | |
| https://twitter.com/21stCenturyAuto | |
| Youtube | https://www.youtube.com/channel |
| https://www.linkedin.com/company/21st-century-insurance/about/ | |
| Hartford Contact Info | |
|---|---|
| Address | 690 Asylum Avenue, Hartford, CT, 06155 |
| Phone | 1-800-423-6789 |
| Website | https://www.thehartford.com/ |
| https://www.facebook.com/TheHartford/ | |
| https://twitter.com/TheHartford | |
| Youtube | https://www.youtube.com/thehartford |
| https://www.linkedin.com/company/the-hartford/ | |
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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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