21st Century vs. Utica National Insurance

Which insurance company is right for you? Compare prices, insights, and quotes from 21st Century and Utica National.

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21st Century vs. Utica National: 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. The company was located in a one-room office in Los Angeles, California and relocated to Woodland Hills, California before moving to Wilmington Delaware, where 21st Century Insurance is now headquartered. Today, 21st Century Insurance sells many lines of insurance, including specialty homeowners insurance, motorcycle insurance and more.

Utica Mutual Compensation Company was founded in 1914 as a workers compensation insurance carrier. The company quickly expanded its business by offering more coverage options and quickly becoming one of the New York State’s most successful and respectful mutual insurance organizations. Utica adopted the independent agent system in 1928 in order to sell auto insurance in areas not easily accessed by the office located in New York. Even during the Great Depression and World War II, the company kept growing and expanding. By the end of 1940’s, Utica’s assets had more than doubled. Today, Utica National Insurance Group is an award-winning, nationally recognized organization which provides a variety of personal and commercial insurance products, through more than 2,200 independent agents across the country. The company has seven regional offices located in Virginia, Ohio, two in New York, Massachusetts, Texas and Georgia.

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 Utica National Ins Group Overview.

21st Century vs. Utica National Ins Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with 21st Century and Utica National Ins Group. On average, 21st Century charges approximately $153.63 per month while Utica National Ins Group comes in at around $94.10 per month. For 21st Century, the cheapest state average is California at $153.60 per month and the most expensive is California at $153.60 per month. For Utica National Ins 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

$153.63
Utica National Ins Group

Average Rate

$94.10
National

Average Rate

$133.59
State 21st Century Utica National Ins Group
California $153.60 -

21st Century vs. Utica National Ins Group: Rates by Number of Vehicle

Home

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

Number of Vehicles 21st Century Utica National Ins Group
1 Vehicle $145.86 $
2 Vehicles $237.55 $

21st Century vs. Utica National Ins Group: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average 21st Century charges $157.63 per month and Utica National Ins Group charges $ per month for customers who own their home.

Own/Rent 21st Century Utica National Ins Group
Own $157.63 $
Rent $153.21 $

What Are 21st Century and Utica National Insurance's Ratings?

21st Century and Utica National have similar insurance industry ratings. Both have been rated as having 'Excellent' financial strength. Compare all the ratings for each company below.

Comparison 21st Century Utica National
Year Founded 1958 1914
BBB Rating A+
Financial Strength Excellent Excellent
JD Power Ranking About Average
NAIC Complaint Index 1.47
S&P Rating A+

21st Century or Utica National: Insurance Products Offered

21st Century and Utica National both offer a suite of insurance products for their customers. Both companies offer car, boat and motorcycle insurance. 21st Century offers a few additional products including ATV, Flood, Life, Personal Watercraft coverage and more. Utica National offers Renters, Umbrella, Identity Theft, Snowmobile insurance among other products. A full list of coverage is listed below. Compare both Auto Insurance companies to see if you can find a lower rate.

Insurance 21st Century Utica National
Boat Insurance
Car Insurance
Flood Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
Umbrella Insurance
Business Insurance

21st Century or Utica National: Ways to Save

You can save money by finding a car insurance company that offers good coverage and great discounts. Both 21st Century and Utica National offer several discounts. Let SmartFinancial help you find the right car insurance and start to take advantage of discounts offered by these top insurance providers.

21st CenturyUtica National
Mature Driver DiscountAirbags & motorized seat belts
Multi-Car DiscountAnnual Mileage Discount
Paperless & Autopay DiscountAnti-lock brakes
Safe Driver DiscountAnti-Theft Device
Away at School Discount
Bundled Discount
Company Car Discount
Electronic Funds Transfer
Electronic stability control
Go Green Vehicle Discount
Good Student Discount
Multi-Vehicle Discount
Pay in Full Discount

Pros & Cons of 21st Century & Utica National

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.
Utica National
  • Utica National Insurance is a financially stable company.
  • The company is one of the largest insurance companies in the United States.
  • It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.

Cons

21st Century
  • 21st Century mainly does business in California.
Utica National
  • The company is not considered low-priced by those who have tickets or accidents on their record.
  • Utica National doesn’t offer an online quote. Visit

21st Century or Utica National 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.

Utica National does not currently have a mobile app.

21st Century Mobile App
iOS      1.9 5 user reviews
Android      3.2 934 user reviews
Utica National Mobile App
Utica National does not currently have a mobile app

21st Century & Utica National Contact Info

21st Century Contact Info
Address 3 Beaver Valley Road, Wilmington, DE 19803
Phone 1-877-401-8181
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/
Utica National Contact Info
Address 180 Genesee St, New Hartford, NY 13413
Phone 1-800-589-8422
Website https://www.uticanational.com/
Facebook https://www.facebook.com/uticanational/
Linkedin https://www.linkedin.com/company/uticanational/
Twitter https://twitter.com/uticanational

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.

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