2024 21st Century Review

21st Century Insurance should be appealing to California drivers since it offers free roadside assistance coverage and discounts that can make its car insurance policies especially affordable. In addition, it boasts the financial backing of a reliable parent company, Farmers.

However, 21st Century has poor customer satisfaction ratings and can merely direct you to a partner company for most types of coverage other than auto insurance, meaning there could also be plenty of reasons to consider shopping for coverage elsewhere altogether.

Check out the rest of our 21st Century Insurance review to find out what the company’s greatest strengths are and what kinds of coverage it can help you acquire.

21st Century auto insurance review summary: 21st Century specializes in California auto insurance coverage, with some of the perks of its policies including no-cost roadside assistance and multiple helpful discount opportunities. That said, the company offers a fairly limited range of car insurance coverage types on its own. 21st Century home insurance review summary: Though it doesn’t underwrite home insurance itself, 21st Century can help its customers obtain homeowners coverage thanks to its partnerships with companies like Farmers and Foremost. In particular, the 21st Century Homeowners Insurance Program underwritten by Homesite can provide numerous add-ons beyond what’s included in a standard home insurance policy.

21st Century Insurance Pros and Cons

Pros	Cons
Backed by Farmers Insurance	Relies on other companies to provide coverage other than California car insurance
Car insurance policies include complimentary roadside assistance	High rate of complaints according to the National Association of Insurance Commissioners (NAIC)
Rewards good driving with sizable auto insurance discounts

About 21st Century Insurance

21st Century Insurance was founded by Louis W. Foster in Los Angeles, California, in 1958. Fittingly, the company was then known as 20th Century Insurance. Foster aimed to keep insurance coverage prices low by marketing to customers directly via phone and mail.^[1]

AIG acquired 21st Century Insurance Group in 2007 and the two companies’ auto insurance units merged.^[2] However, the business was sold to Farmers in 2009 and 21st Century remains a part of the Farmers Insurance Group to this day.^[3]

Availability

21st Century Insurance Company principally sells car insurance coverage directly to residents of California. However, it has affiliates operating in every state plus the District of Columbia.^[4][5][6] As a result, the availability of coverage and the specific company that underwrites your policy will vary from state to state.

Coverage

21st Century Insurance exclusively underwrites auto insurance policies. That said, it has partnerships with companies that offer other kinds of insurance products. As a result, 21st Century may also be able to help you secure the following types of coverage:

• Home
• Renters
• Condo
• Motorcycle
• ATV
• Boat and watercraft
• Commercial
• Umbrella
• Flood
• Pet

Consumer Experience

Line of Business	NAIC Complaint Index[7]	NAIC Share of Complaints in U.S. Market[7]
Auto	2.27	0.34%

Customer Service

If you’re in need of support related to your 21st Century Insurance policy, you can call 1-877-401-8181 between 8 a.m. and 6 p.m. Pacific Time from Monday through Friday.^[8] However, you may not be able to count on receiving high-quality customer service considering 21st Century Insurance Company received more complaints than expected given its market share within the auto insurance industry in 2022 according to data presented by the NAIC.^[7]

Pricing

While 21st Century doesn’t list its starting auto insurance rates online, it does advertise the fact that its sister company, Toggle, offers renters insurance coverage for as low as $5 per month.^[9] In general, your insurance premiums will depend on factors like your zip code, personal traits, claims history and policy details.

Claims

You can file an insurance claim with 21st Century Insurance by calling the company’s 24/7 claims line at 1-888-244-6163. Alternatively, you have the option to file auto, home and business insurance claims through the company’s online claims management portal. Once you have filed your claim, you can then log in online to view its status.^[8]

21st Century Car Insurance

21st Century’s bread and butter is insuring drivers in California. The company can generally provide all of the coverage types you would expect from a basic full coverage car insurance policy along with a small number of optional add-ons.

What’s Covered

Notably, 21st Century auto insurance policies come with complimentary roadside assistance.^[9] In addition, the company advertises the following major coverage types:^[10][11]

• Liability insurance
• Uninsured and underinsured motorist coverage
• Personal injury protection (PIP)
• Comprehensive coverage
• Collision coverage
• Identity theft restoration
• Travel and medical assistance

21st Century can also help you get antique and classic car insurance underwritten by Foremost Insurance Company.^[12] Meanwhile, Toggle advertises additional coverage types such as these:^[13][14]

• Medical payments coverage
• Rental car coverage
• Rideshare and side hustle auto coverage
• Pet passenger coverage
• Temporary ride (loss of use) coverage
• New car replacement insurance

What Isn’t Covered

While 21st Century doesn’t publicly share its car insurance exclusions online, examples of damages and situations that generally aren’t covered by a standard auto insurance policy include the following:

• Wear and tear
• Routine maintenance
• Intentional damages
• Items stolen from or damaged inside of your car
• Racing, off-roading and similar high-risk activities
• Mechanical breakdowns

21st Century Home Insurance

Even though 21st Century Insurance doesn’t underwrite its own home insurance policies, it can still help customers obtain policies through other companies like Farmers, Foremost and Homesite.^[15]

What’s Covered

21st Century may be able to get you a homeowners insurance policy that includes coverage types such as the following:^[15][16][17]

• Dwelling insurance with replacement cost coverage
• Other structures coverage
• Personal property insurance with replacement cost coverage
• Loss of use coverage
• Personal liability coverage
• Medical payments coverage
• Valuables and collectibles insurance
• Business property coverage
• Debris removal coverage
• Fire department service charge coverage
• Tree, plant and shrub coverage
• Watercraft and trailer coverage
• Domestic employee liability coverage
• Earthquake insurance

What Isn’t Covered

Homesite lists the following exclusions for the 21st Century Homeowners Insurance Program, although you should note that these exclusions specifically apply to renters insurance policies and may not be directly representative of the program’s home insurance exclusions:^[18]

• Flooding and water backup damage
• Power failure
• Neglect
• War
• Nuclear hazard
• Intentional loss
• Business activities
• Transfer of disease
• Rental units

Additional Policies 21st Century Offers

As mentioned previously, 21st Century Insurance only directly provides car insurance. Nevertheless, the company may be able to help you get other important coverages such as those described below.

Renters

You can get renters insurance through the 21st Century Homeowners Insurance Program underwritten by Homesite or through 21st Century’s sister company, Toggle. Toggle’s renters insurance policies can include unique add-ons like worldwide personal property coverage, coverage for damage caused by pets, yearly declining deductibles, commercial coverage, identity theft coverage and more.^[19]

Condo

The 21st Century Homeowners Insurance Program also offers condo insurance policies. These policies include basic condo coverage types like personal property, loss of use, personal liability and medical payments coverage along with coverage for the internal structure of your unit. In addition, condo insurance from Homesite can include up to $1,500 worth of coverage for loss assessments.^[20]

21st Century Insurance Discounts

If you’re looking to save money on auto or homeowners insurance, consider taking advantage of the following discounts that are available through 21st Century Insurance.^[21]

Auto Insurance Discounts

Discount Name	Discount Description	Average Discount Amount
Good Driver	This discount applies to drivers who have had a license for at least three years and have received no more than one point for moving violations over the past three years	20% and up
Superior Driver	Similar to the good driver discount, this provides extra savings if you go four or five years without incurring additional moving violations	10% to 20%
Good Student	To qualify for this discount, you must be younger than 25 and maintain at least a B average in school	15%
Mature Driver	Drivers who are at least 55 years old can lower their premiums by taking an approved defensive driving course	2%
Multi-Car	You can get a discount by adding multiple cars and drivers to the same policy	Varies
Anti-Theft	Installing anti-theft devices to lower your exposure to theft can also make you eligible for lower car insurance rates	15%

Home Insurance Discounts

If you already have a 21st Century auto insurance policy, you could receive a 10% bundling discount on home insurance by buying coverage from one of 21st Century’s partner companies.^[15] In addition, Homesite offers discounts to qualified retirees and anyone who installs burglar alarms, smoke detectors, sprinkler systems, deadbolt locks and other safety features.^[22]

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

21st Century vs Ameriprise	21st Century vs Arbella
21st Century vs Grinnell	21st Century vs Hartford
21st Century vs Meemic	21st Century vs National General
21st Century vs Pemco	21st Century vs Plymouth Rock
21st Century vs Utica National