Direct Auto vs. 21st Century Insurance

Which insurance provider is right for you? Compare rates, ratings, and quotes from Direct Auto and 21st Century.

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Direct Auto vs. 21st Century: What You Need to Know

In 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer, He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.

Direct Auto Company specializes in providing auto insurance for all people, even those considered “high-risk” or who need SR-22 certification. Today, Direct Auto Company has more than 400 retail store locations across the United States and provides consumers a variety of products and services online, in-store and over the phone.

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 in the beginning 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.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Direct Auto Overview and 21st Century Overview.

Direct Auto vs. 21st Century: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Direct Auto and 21st Century. On average, Direct Auto charges approximately $90.98 per month while 21st Century comes in at around $159.62 per month. For Direct Auto, the cheapest state average is Illinois at $75.81 per month and the most expensive is California at $101.26 per month. For 21st Century, the cheapest state average is California at $159.69 per month and the most expensive is California at $159.69 per month.

Direct Auto

Average Rate

21st Century

Average Rate


Average Rate

State Direct Auto 21st Century
California $101.26 $159.69
Illinois $75.81 -
Texas $77.75 -

Direct Auto vs. 21st Century: Rates by Number of Vehicle


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

Number of Vehicles Direct Auto 21st Century
1 Vehicle $91.27 $152.99
2 Vehicles $ $231.36

Direct Auto vs. 21st Century: Rates by Homeownership

Rates Are Not Currently Available

What is Direct Auto and 21st Century Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Direct Auto and 21st Century ranked among the industry ratings.

ComparisonDirect Auto21st Century
Year Founded19911958
BBB RatingA+A+
Financial StrengthExcellentExcellent
JD Power RankingAbout Average
NAIC Complaint Index6.061.47
S&P RatingA+

Direct Auto or 21st Century: Insurance Products Offered

What coverage is available through Direct Auto and 21st Century? Both insurance companies offer Auto, Motorcycle, and RV insurance. Additional products from Direct Auto insurance also includes Commercial and Health insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Direct Auto and 21st Century Insurance page.

InsuranceDirect Auto21st Century
Auto Insurance
Commercial Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
RV Insurance

Direct Auto or 21st Century: Ways To Save

21st Century offers a wide range of discounts to its policyholders, including Multi-Car, Paperless & Autopay, and Safe Driver discounts. Direct Auto also offers a few discounts that 21st Century doesn’t include Welcome Back, Senior Citizen, and Renewal discounts. Start taking advantage of discounts offered by insurance providers like 21st Century and Direct Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Direct Auto21st Century
Affinity DiscountMature Driver Discount
Good Student DiscountMulti-Car Discount
Homeowner DiscountPaperless & Autopay Discount
Mileage DiscountSafe Driver Discount
Military Discount
Multi-Car Discount
Multi-Product Discount
Prior Coverage Discount
Renewal Discount
Safe Driver Discount
Senior Citizen Discount
Welcome Back Discount

Pros & Cons of Direct Auto & 21st Century


Direct Auto
  • Flexible billing options and customizable insurance payments
  • Affordable rates regardless of consumers driving history
  • Offers SR-22 filing for drivers
  • Offers a variety of discounts
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.


Direct Auto
  • Claims only by phone. There is no option to file a claim online.
21st Century
  • 21st Century mainly does business in California.

Direct Auto or 21st Century 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.

Direct Auto Mobile App
Direct Auto does not currently have a mobile app.
21st Century Mobile App
iOS     1.95 user reviews
Android     3.2934 user reviews

Direct Auto & 21st Century Contact Info

Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN

21st Century Contact Info
Address3 Beaver Valley Road, Wilmington, DE 19803

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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