21st Century Insurance: Overview

21st Century is a small yet financially strong insurance carrier offering coverage in a handful of states.

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About 21st Century

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.

Louis. W. Foster believed in selling directly to customers to keep prices low, and the company still follows that philosophy today. Foster’s philanthropic works include support for the Boys and Girls Club of America, the United Way, the Boy Scouts, Union Rescue MIssion and other similar organizations.Through the years, 21st Century Insurance has grown in recognition, especially in California. The company prides itself on superior coverage and 24/7 customer service.

21st Century Insurance was acquired in 2005 by AIG and then sold to Farmers Insurance Group in 2009.

21st Century Facts & Ratings

Year Founded 1958
Financial Strength Excellent
JD Power Ranking About Average
BBB Rating A+
NAIC Complaint Index 1.47
S&P Rating A+

21st Century Mobile App Rating

The 21st Century does not currently have a mobile app.

Pros & Cons of 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.
  • 21st Century mainly does business in California.

Common Questions about 21st Century

Who owns 21st Century Insurance?

21st Century Insurance was bought by AIG in 2005 and then sold to Farmers in 2009.

What states does 21st Century Insurance cover?

21st Century Insurance covers auto insurance mainly in California and also Florida.

What are 21st Century Insurance Safe Driver Discounts requirements?

People with no points on their license for the last three years qualify for reduced rates on coverage. Other safety related discounts include a Drivers Education discount, Defensive Driving Course discount, and automobile safety features discount.

Is 21st Century an A rated insurance company?

Yes, 21st Century was rated A by A.M Best and A+ by S&P. It was also rated A+ by BBB.

Does 21st Century have health insurance?

No, 21st Century Insurance is not affiliated with 21st Century Healthcare, which is a separate company.

How do I cancel my 21st Century insurance Online?

If you have a policy that has yet to go into effect, call 1-800-241-1188. If you are in the middle of a term, you must cancel in writing, by email, fax or regular mail. If you want to cancel at the renewal date and payment has not been made, you can cancel by telephone, mail, fax or email. For Florida policyholders, your cancellation must be in writing by mail, fax or email. Backdate cancellations with a new carrier (so that cancellation and start date coincide) require that a copy of the new policy’s declarations page be sent as an email, fax or regular mail.

Will 21st Century Insurance reinstate my policy?

Policies can be canceled for a number of reasons. Your situation is specific, so contact 21st Century to discuss the matter in greater detail: 1-877-310-5687.

Is 21st Century cheaper than Farmers?

21st Century is owned by Farmers and prides itself on offering low rates.

How much is 21st Century car insurance for a teen driver?

Each situation is specific, so contact 21st Century to discuss the matter in greater detail: 1-877-310-5687. Good students and those who’ve taken driver safety or defensive driving courses are eligible for discounts.

Is windshield replacement free with 21st Century Insurance?

If you have comprehensive coverage with 21st Century Insurance, you may be covered for a broken or cracked windshield.

Does 21st Century insurance cover engine failure?

Mechanical failure not caused by an accident and maintenance issues are not covered by car insurance.

Is 21st Century roadside assistance free?

Roadside assistance is an additional coverage and is inexpensive.

Does 21st Century insurance cover a rental car for repairs?

Extended transportation expense coverage is an added coverage and has limits. You’re only covered by the extended transportation coverage if your vehicle is temporarily disabled for more than a day due to a covered auto accident.

Will 21st Century insurance cover me in Canada?

There is no additional insurance required for driving into Canada. However, you must get an entry card from your insurer to enter Canada.

Does 21st century insurance offer flood insurance?

Yes, 21st Century Insurance offer flood insurance: (877) 436-8530.

21st Century Insurance Products

Car Insurance Flood Insurance
Manufactured/Mobile home Specialty Homeowners Insurance
Auto Mechanical Breakdown Insurance Antique Auto Insurance
Motorcycle Insurance ATV Insurance
Boat Insurance Personal Watercraft Insurance
Life Insurance  

21st Century Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Uninsured/Underinsured Motorist Coverage.

This coverage protects you and your passengers if you are in an accident with an at-fault uninsured motorist or one whose limits are insufficient to pay for losses and medical bills associated with the accident.


Safe Driver Discount Multi-Car Discount
Paperless & Autopay Discount Mature Driver Discount

21st Century Auto Insurance Rates by State


21st Century Auto Insurance Rates by Vehicle

Number of Vehicles Avg Monthly Rate

21st Century Auto Insurance Rates by Homeownership

Own/Rent Avg Monthly Rate

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/


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.


How Does 21st Century Compare to Other Car Insurance Companies?

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