21st Century Insurance

21st Century Insurance

 1.6/5 (207 reviews)
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Overall Rating1.6 out of 5
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About 21st Century Insurance

21st Century Insurance sells auto insurance that comes with free roadside assistance. It provides direct policy services only in California, but its coverage is also available in other states through its parent company, Farmers Insurance. 21st Century offers 24/7 claims service and several discounts.

Pros & Cons


  • 24/7 claims service
  • Backed by Farmers Insurance
  • Free 24/7 roadside assistance


  • No online cancellation
  • Available only in California

Bottom Line

21st Century Insurance focuses on auto coverage. You can handle your policy through its website or mobile app. It writes new policies only in California, but you can get coverage elsewhere through its parent company, Farmers Insurance.

Top 21st Century Insurance Reviews


I used 21st Century Auto Insurance for over two decades. In that time, I have had nothing but positive interactions with them… When my car was totaled in an accident (not my fault...

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I recommend 21st Century Insurance because of my 40 years of experience with them. They provide the quickest and smoothest in claims submitted. Their rates are very competitive an...

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What is 21st Century Insurance?

21st Century has provided insurance to Americans for more than 60 years. It’s backed by a parent company (Farmers Insurance), but it writes new auto policies only in California. It operates primarily online, over the phone and by mail. You can use the website or mobile app to manage your policy, though the company also offers further assistance with its 24/7 interactive voice response services. To submit documents or cancel, you’ll likely have to send by post.

How does 21st Century Insurance work?

21st Century specializes in auto insurance. The company has several coverage options to choose from, including:

  • Collision
  • Comprehensive
  • Rental
  • Bodily injury liability
  • Property damage liability
  • Underinsured motorist
  • Uninsured motorist

The company also offers free 24/7 roadside assistance, and because it operates primarily online, you can manage your policy almost entirely through the website or app. Its claims service is straightforward, and it allows electronic signatures and provides other helpful features. You can get a 21st Century quote on its website by providing your ZIP code and information about your vehicle; you can also call its customer service line and speak to an agent.

21st Century Insurance quotes and costs

The cost of a 21st Century auto insurance policy varies significantly from person to person. Still, you can compare your quote to the national average of $1,134, according to the National Association of Insurance Commissioners’ (NAIC) most recent report. Factors like age, driving history, vehicle, credit score and more influence premium costs. 21st Century offers several discounts, including:

  • Good driver
  • Superior driver
  • Good student
  • Mature driver
  • Multivehicle
  • Anti-theft

To find out if you’re eligible for any 21st Century auto discounts, apply for a free quote online or contact the customer service line.

21st Century Auto Insurance FAQ

Does 21st Century give online quotes for auto insurance?
Yes, 21st Century offers online auto insurance quotes; you’ll need to supply your ZIP code and some information about yourself, your car and your driving history.
Where is 21st Century Insurance available?
21st Century is available only in California — if you apply from any other state, you’ll be redirected to the parent company, Farmers Insurance.
Can I cancel my 21st Century Insurance coverage?
Yes, 21st Century lets customers cancel. However, it’s likely you’ll have to submit your cancellation in writing by email, fax or regular mail rather than through the website or app.
What other insurance services does 21st Century offer?
21st Century also offers homeowners insurance, renters insurance and more. Its policies (with the exception of its California auto insurance) are underwritten by other companies.

Is 21st Century insurance good?

21st Century offers solid coverage options and several discounts. Because it doesn’t directly provide policies outside of California, it usually sends drivers in other states to its parent company, Farmers Insurance. Farmers is a large and well-established company, which gives 21st Century financial stability customers can trust. Overall, 21st Century is a no-frills, no-fuss option for California drivers, whether they’re looking for basic or comprehensive auto coverage.

21st Century Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: Feb. 8, 2023

Having been with 21st Century car insurance for over 4 years now it's not what it used to be as of when Farmers Insurance took it over. Claims are a joke and you will be cheated out of the worth of your car when it comes to payment for damages or loss. First you are no longer dealing with the good old folks from the real 21st century co. Instead you are now forwarded to Farmers which has a terrible reputation, lousy staff and adjusters. I have been appalled with the service.

The only site has gone cheap and useless, most of the options don't work like changing a credit card for autopay. Resetting your password is a nightmare. Forcing you to change your password is done without notice, they will make you try your password many time till you finally figure out they demand changing it and don't inform you. Calling to fix problems online they will charge your account $3 calling fee. Can you believe that? Plus the robot call will ask so many useless questions wasting time then tell you no one is available and hang up. It's time to dump 21st century. All Farmers did was take a good company over and destroy everything.

3 people found this review helpful
Verified Reviewer
Original review: Jan. 6, 2023

I am seriously considering another insurance company because 21st Century is extremely unprofessional, incompetent, and inefficient. A year ago, I was involved in a car accident that wasn’t my fault. A woman by the name of Melissa is working on my case, and she is impossible to get a hold of! She doesn’t answer the ** phone or return calls or text messages, and her supervisor is just as bad at answering people. I received my out-of-pocket deductible that paid for repairs, but I am still waiting for my subrogation payment for my rental car, which I had to have while my car was in the shop. I am tempted to have them drop my case so I can take the other party to court, or I will not see the rest of my ** money. It must be corporate culture to ignore your customers.

5 people found this review helpful

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    Verified Reviewer
    Original review: May 31, 2022

    It is an awful travel insurance company. I claimed last year for my mom after more than 3 times sending the documents, I have my phone screenshot waiting on hold for over one hour!! They are good at getting money but so bad at refunding!! I will never trust them again!! Unfortunately, there was no way to upload my phone screenshot to confirm the waiting time!!

    3 people found this review helpful
    Verified Reviewer
    Original review: March 31, 2020

    I have been with this insurance company over three years. I pay my monthly premiums automatically. The premiums are drawn one month in advance. Due to the Corona-19 we experienced a lay-off. With that said, Coupled with the fact of being financially responsible, I contacted them and attempted to acquire a more competitive or cost effective rate. l with negative results. Being superior drivers, I eventually acquired A better rate with another insurance company. As such, I provided 21st Century Insurance a two week notice of cancellation. After the initial representative ROSE laughed at my current situation, Mary condoned the behavior and Nonetheless stated I would be penalized and incur an early termination fee. I have contacted the Federal Trade Commission and Better Business Bureau and reported this situation. I don’t think consumers should be expected to pay any type of penalty because one is being financially responsible.

    Respectfully Carlos

    9 people found this review helpful
    Verified Reviewer
    Original review: Dec. 24, 2019

    Broke down on the side of the road with my 3 and 7 year old daughters in car. Century 21 told me that their computer system wasn’t updated yet so they couldn’t help me until after Christmas. Told me to go pay for everything and get my money back after they fix their computers. Worst company ever!!! Lazy and heartless.

    6 people found this review helpful
    profile pic of the author
    Verified Reviewer
    Original review: Dec. 14, 2019

    Not sure how this company stays in business. We’ve naively been with this company for a while. Our home insurance was through them. They kept raising their rates and were getting expensive, and when we went to file a claim on our home for damage from hail, they depreciated our roof with us having to pay 18,000.00 out of pocket. Who has that kind of money? This company will rape you... Beware and run!

    9 people found this review helpful
    Verified Reviewer
    Original review: Sept. 9, 2019

    Fair price on full coverage. I get good driver discounts. Every little bit helps. I always get thru to someone when I have a question. They are very helpful and answer all questions thoroughly.

    Be the first one to find this review helpful
    Verified Reviewer
    Original review: Sept. 4, 2019

    I'd been with them for nearly 40 years in California. Had two accidents. One was not my fault (I was good samaritan who stopped to help an accident and was sued as cause. Even though not owner in other car, expired license, expired plates, this co blamed me at 51%.) Had another accident which was deemed my fault 20 yrs later. Redeeming my rental car while my car was repaired, was hassle. Had to go thru their third party agent. This person continued to harass me because mechanic hadn't finished repairs -- in less time than estimate. They were non responsive to MY almost daily follow ups.

    4 people found this review helpful
    Verified Reviewer
    Original review: Sept. 3, 2019

    We had gotten a hold of our roadside assistance because I had locked my keys in the car. The person they sent out to us stole $140 (70$ charge 2x) from me because she said I didn’t have an up-to-date insurance card. 21st-century said I should never have been charged and advised us to get ahold of the company that they dispatched. That company blocked her phone calls and lied to 21 century and basically stole money from us. Then 21st-century said they would refund us the money and our claim was going to be sent to the top. Five people told us that in actuality our claim has never been filed and no one is getting ahold of us through 21st-century or returning our emails or calls. Now 21st-century is giving us the runaround as well as lying to our face every time we try to get ahold of a higher up. We were again lied to today 2 weeks later and We’re leaving this company and will do everything we can to make sure people know how horribly it is ran!

    6 people found this review helpful
    Verified Reviewer
    Original review: Aug. 31, 2019

    I was a 21st Century Customer for about 25 years. 21st cancelled my insurance with inadequate warning of an expired credit card used for automatic payment. The only notification was an email stating that "a new document was available for review". 21st left my daughter stranded in a large city with no roadside assistance. (This is how I found out the insurance was cancelled.) 21st now wants me to jump through hoops to provide information on the problem that is stored on their web site. On top of that, 21st pricing is not as competitive as it used to be. This situation is worthy of a Dilbert cartoon where a company has a "get rid of the pesky customer" policy. It is sad to see a once good company degrade like this. Rather than risk another similar issue, I went with GEICO and saved some money at the same time.

    8 people found this review helpful
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    21st Century Insurance Company Information

    Company Name:
    21st Century Insurance group