Which car insurance company is right for you? Compare plans, discounts and rates from 21st Century and National General.
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.
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.
|State||21st Century||National General|
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|
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|
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|
|JD Power Rating||About Average|
|NAIC Complaint Index||1.47%||6.08%|
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|
|Auto Mechanical Breakdown||✔||✔|
|Small Business Auto||✔|
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|
|RVs and autos on one convenient policy|
|Low Mileage Discount|
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 Contact Info|
|Address||3 Beaver Valley Road, Wilmington, DE 19803|
|National General Contact Info|
|Address||5620 University Pkwy, Winston-Salem, North Carolina 27105|
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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