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 $156.42 per month while National General comes in at around $256.75 per month. For 21st Century, the cheapest state average is California at $156.19 per month and the most expensive is California at $156.19 per month. For National General, the cheapest state average is Pennsylvania at $0.00 per month and the most expensive is Connecticut at $484.85 per month.

21st Century

Average Rate

National General

Average Rate


Average Rate

State 21st Century National General
Alabama- $169.74
California $156.19 $257.92
Connecticut- $484.85
Florida- $319.62
Indiana- $0.00
North Carolina- $41.06
Oregon- $40.31
Pennsylvania- $0.00
Tennessee- $80.36
Texas- $292.97

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 $150.10 $248.33
2 Vehicles $235.11 $274.36
3 Vehicles $ $618.69

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 $145.51 per month and National General charges $251.40 per month for customers who own their home.

Own/Rent 21st Century National General
Own $145.51 $251.40
Rent $158.31 $258.42

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
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
Antique Auto
ATV Insurance
Personal Watercraft
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


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


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/
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/
National General Contact Info
Address 5620 University Pkwy, Winston-Salem, North Carolina 27105
Phone 1-888-293-5108
Website http://www.nationalgeneral.com/
Facebook https://www.facebook.com/NationalGeneralInsurance/
Linkedin https://www.linkedin.com/company/national-general-insurance/

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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