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21st Century vs. National General Insurance
Which car insurance company is right for you? Compare plans, discounts and rates from 21st Century and National General.
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21st Century vs. National General: 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.
National General Insurance, formerly GMAC Insurance Group, is the only insurer in the United States to be founded within the automotive industry. The company’s history began in 1920, in North Carolina, when Integon, a life insurance company, was founded: One part of the company became National General Insurance and the second was Motor Insurance Company, founded in 1925, by General Motors.
One of the biggest differences between the two companies is which states they serve. 21st Century mainly serves customers in California whereas National General offers coverage in all 50 states.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit 21st Century Overview and National General Overview.
21st Century vs. National General: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with 21st Century and National General. On average, 21st Century charges approximately $172.58 per month while National General comes in at around $252.92 per month. For 21st Century, the cheapest state average is California at $172.15 per month and the most expensive is Florida at $191.26 per month. For National General, the cheapest state average is Washington at $0.00 per month and the most expensive is Connecticut at $476.27 per month.
Average Rate
Average Rate
Average Rate
| State | 21st Century | National General |
|---|---|---|
| Alabama | - | $121.53 |
| California | $172.15 | $283.03 |
| Connecticut | - | $476.27 |
| Florida | $191.26 | $374.64 |
| Indiana | - | $112.79 |
| North Carolina | - | $42.52 |
| Oregon | - | $65.48 |
| Pennsylvania | - | $0.26 |
| Tennessee | - | $147.25 |
| Texas | - | $282.67 |
| Washington | - | $0.00 |
21st Century vs. National General: 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 National General typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | 21st Century | National General |
|---|---|---|
| 1 Vehicle | $160.38 | $246.70 |
| 2 Vehicles | $255.67 | $266.51 |
| 4 Vehicles | $ | $258.53 |
| 3 Vehicles | $ | $375.64 |
21st Century vs. National General: 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 $177.82 per month and National General charges $231.74 per month for customers who own their home.
| Own/Rent | 21st Century | National General |
|---|---|---|
| Own | $177.82 | $231.74 |
| Rent | $171.78 | $260.27 |
What Are 21st Century and National General Insurance's Ratings?
21st Century and National General have similar ratings. Both have excellent financial Strength and have received an A+ Rating from the BBB. National General has been established for longer, it was founded in 1920 while 21st Century was founded in 1958.
| Comparison | 21st Century | National General |
|---|---|---|
| Year Founded | 1958 | 1920 |
| Financial Strength | Excellent | Excellent |
| JD Power Rating | About Average | |
| BBB | A+ | A+ |
| S&P Rating | A+ | |
| NAIC Complaint Index | 1.47% | 6.08% |
21st Century or National General: Insurance Products Offered
21st Century and National General both offer your standard types of insurance coverage including car, home, and motorcycle coverage. 21st Century offers a few additonal products that National General does not including Auto Mechanical Breakdown, Antique Auto, ATV, and Personal Watercraft. Whereas National General offers Health Insurance and RV coverage.
| Insurance | 21st Century | National General |
|---|---|---|
| Car Insurance | ✔ | ✔ |
| Homeowners Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| Boat Insurance | ✔ | |
| Health Insurance | ✔ | |
| Condo Insurance | ✔ | ✔ |
| Motorcycle Insurance | ✔ | ✔ |
| Business Insurance | ✔ | |
| Life Insurance | ✔ | |
| Mobile Home | ✔ | ✔ |
| Auto Mechanical Breakdown | ✔ | ✔ |
| Flood | ✔ | ✔ |
| Antique Auto | ✔ | ✔ |
| ATV Insurance | ✔ | ✔ |
| Personal Watercraft | ✔ | ✔ |
| RV | ✔ | |
| Small Business Auto | ✔ |
21st Century or National General: Ways to Save
When it comes to discounts, 21st Century offers less options to save. They offer discounts for safe drivers, mature drivers, and drivers with multiple cars. National General offers a paperless discount, low mileage discount, anti-theft discounts and more.
| 21st Century | National General |
|---|---|
| Safe Driver Discount | Paid-in-Full Discount |
| Paperless & Autopay Discount | Safe-Driver Discount |
| Multi-Car Discount | Motorcycle Discount |
| Mature Driver Discount | Affinity Discount |
| Paperless Discount | |
| Multi-Vehicle Discount | |
| RVs and autos on one convenient policy | |
| Low Mileage Discount | |
| Multi-Policy Discount | |
| Anti-Theft Discount |
Pros & Cons of 21st Century & National General
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.
National General
- National General Insurance is available in all 50 states in America.
- Offers 24/hour claims service
- Flexible payment options
- Extensive discounts and services
Cons
21st Century
- 21st Century mainly does business in California.
National General
- Slow claim process, according to customer’s reviews
21st Century or National General 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.
| 21st Century Mobile App | ||
|---|---|---|
| iOS | 1.9 | 5 user reviews |
| Android | 3.2 | 934 user reviews |
| National General Mobile App | ||
|---|---|---|
| Does not currently have a mobile app | ||
21st Century & National General 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/ | |
| National General Contact Info | |
|---|---|
| Address | 5620 University Pkwy, Winston-Salem, North Carolina 27105 |
| Phone | 1-888-293-5108 |
| Website | http://www.nationalgeneral.com/ |
| https://www.facebook.com/NationalGeneralInsurance/ | |
| https://www.linkedin.com/company/national-general-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.
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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