Which insurance carrier is right for you? Compare insights, rates, and quotes from Electric and 21st Century.
The history of Electric Insurance Company began in 1927, when EMLICO, its former company was established to provide GE (General Electric Company) with Workers’ Compensation insurance in Massachusetts. The company was doing so well that it started providing coverage nationally for GE and also included general liability and commercial auto in its product portfolio. By 1966, Electric Insurance Company was formed to ensure GE employees, but after a while, it expanded its business to all consumers. During the 1990s the company becomes one of the first P&C carriers to offer consumers web-based insurance quotes. Today, Electric Insurance manages approximately $160 million in personal lines premiums for nearly 135,000 policyholders and has about $450 million in total written premium. Its services are offered in all 50 states directly via mobile applications and the web and through independent agencies. Its consumer base is 60% of GE employees and 40% general customers.
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 the average rates that drivers typically pay with Electric and 21st Century. On average, Electric charges approximately $236.05 per month while 21st Century comes in at around $212.17 per month. For Electric, the cheapest state average is Missouri at $187.75 per month and the most expensive is Virginia at $333.10 per month. For 21st Century, the cheapest state average is California at $173.93 per month and the most expensive is Florida at $246.93 per month.
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Electric and 21st Century typically charge for drivers who have more than 1 vehicle.
|Number of Vehicles||Electric||21st Century|
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Electric charges $211.01 per month and 21st Century charges $205.87 per month for customers who own their home.
Which car insurance company is better? We've made it easy to compare companies side by side. See how Electric and 21st Century ranked among the industry ratings.
|A.M. Best Rating||A||A|
|JD Power Ranking||About Average|
|NAIC Complaint Index||1.47|
What coverage is available through Electric and 21st Century? Both insurance companies offer Auto, Home, Motorcycle, and RV insurance. Additional products from Electric insurance also includes Condo, Renters, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Electric and 21st Century Insurance page.
21st Century offers a wide range of discounts to its policyholders, including Multi-Car, Paperless & Autopay, and Safe Driver discounts. In contrast, Electric also offers a few discounts that 21st Century doesn’t including Student-Away-from-Home, Safety Features, and Plan Ahead (Early Purchase) discounts. Start taking advantage of discounts offered by insurance providers like 21st Century and Electric insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
|Accident-free Discount||Mature Driver Discount|
|Driver Training Credit||Multi-Car Discount|
|Electric and Hybrid Vehicles Discount||Paperless & Autopay Discount|
|Employer Group Discounts||Safe Driver Discount|
|Family & Friends Referral Discount|
|Good Student Discount|
|Low Annual Mileage Discount|
|Married Status Discount|
|Mature Driver Accident Prevention Course Discount|
|New Auto Insurance Customer Discount|
|New Vehicle Discount|
|Plan Ahead (Early Purchase) Discount|
|Safe Driver Discount|
|Safety Features Discount|
The Always On Mobile app is available for iOS and Android. This mobile app can help you to view your auto insurance information, report an auto claim, upload photos of the vehicle damage, access 24 hours / 7 days a week emergency roadside assistance services, schedule glass repair and much more.
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.
|Electric Mobile App|
|iOS||1||2 user reviews|
|Android||1.9||34 user reviews|
|21st Century Mobile App|
|iOS||1.9||5 user reviews|
|Android||3.2||934 user reviews|
|Electric Contact Info|
|Address||75 Sam Fonzo Drive, Beverly, MA 01915|
|21st Century Contact Info|
|Address||3 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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