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21st Century car insurance review

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Affordable car insurance for California drivers.'s rating: 3.5 / 5


  • Get a quote if you want cheap rates for a no-frills auto insurance policy.
  • Pick something else if you don’t live in California or want more features.
  • Drivers with a history of accidents or claims or who need an SR-22 can get coverage.

Included free

Roadside assistance

New car protection

Accident forgiveness


States served California
Roadside assistance Included free
Accident forgiveness Yes
New car protection No
Pay schedule 12 months, monthly
Claims methods online
Rideshare coverage No
SR-22 support Yes


  • Multiple discounts available
  • Digital convenience
  • SR-22 available
  • Backed by Farmers Insurance


  • Limited availability
  • Customer satisfaction
  • Six-month policies only
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount No
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No
Other discounts California based discount, get special discount if you live in Californa

Expert review

Roslyn McKenna

Review by

Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

Headquartered in Wilmington, Delaware, 21st Century is an insurance provider that has offered auto insurance coverage in California since 1958. It’s part of a larger network through its parent company, Farmers Insurance, which lends it a stronger financial backing.

21st Century prides itself on a quick claims process that you can manage through its mobile app, among other app-based services. But as an insurer that accepts high-risk drivers, its no-frills policies don’t cover much outside the basics like comprehensive, collision and roadside assistance. You may want to compare your options elsewhere, unless you need SR-22 insurance in California.

How to apply for 21st Century car insurance

You can apply for auto insurance coverage with 21st Century on the website or by phone. With all of your documents and information on hand, you should be able to get coverage in under an hour.


  1. Visit the 21st Century home page.
  2. Fill in your ZIP code and click Start your quote.
  3. Fill out your personal information, vehicle details and driver details.
  4. If you’re satisfied with your quote, fill in your information to purchase your policy.


Call 888-535-9410 and speak with an agent.

What do I need to apply?

  • Personal information including first and last name, date of birth and gender
  • Address including ZIP code
  • Social Security number
  • Driver’s license
  • Vehicle registration
  • Financial information

What car insurance coverage can I get with 21st Century?

21st Century offers full-coverage auto insurance to residents of California.

  • Collision and comprehensive damage. Pays for damages to your car caused by other cars or objects, fire, flooding, hail, theft or vandalism.
  • Liability protection. Pays for property and bodily damages that result from an accident you’ve caused.
  • Personal injury protection. Covers the cost of doctors, hospitalization and even funerals if you or a passenger is injured or killed in a car accident, no matter who’s at fault.
  • Rental car reimbursement. Get coverage for a rental car while yours is in the shop for more than a day.
  • SR-22 insurance. An SR-22 certificate of insurance is often required after major driving infractions, and 21st Century can help you file for one.
  • Towing and labor coverage. You’re covered if your car needs a tow.
  • Uninsured motorists coverage. Pays for damages or injuries to you and your passengers resulting from a hit-and-run accident or an uninsured driver, including medical expenses and lost wages.
  • Underinsured motorists coverage. Bridges the gap between someone else’s policy limits and the actual cost of your medical expenses after an accident.

What perks does 21st Century offer?

While 21st Century’s auto insurance may be no-frills, the provider does offer a number of special programs to cater to the needs of its customers.

  • Easy claims. Claims go through a network of 12,500 claims professionals for straightforward service.
  • Direct appraisal. Visit your preferred repair shop, or 21st Century can recommend a shop in your area — and all repair work is guaranteed for life.
  • Mobile app. The 21st Century mobile app lets you pay bills, use roadside services and get access to helpful videos and articles on auto insurance.
  • Online signature. Sign forms and documents online using an electronic signature without the need to mail in or fax documents.
  • Roadside assistance. This provider offers free roadside help with a hotline customers can use to receive immediate assistance.

What car insurance discounts can I get with 21st Century?

21st Century offers a number of discounts on its car insurance policies, but you’ll find a much longer list from most insurers. Here are a few of the many programs it offers.

  • Antitheft. Receive an average discount of 15% for having an approved antitheft system installed.
  • Driver training. You can get up to 10% off your premium if you’re under 21 and complete a state-approved driver training course.
  • Good driver. Save 20% or more by keeping a clean driving record for three years. The discount can grow the longer you go without racking up points.
  • Good student. Students under the age of 25 can receive an average of 15% off for maintaining a B average or better.
  • Mature driver. If you’re 55 or older and complete an approved defensive driving course, you could qualify for a discount of around 2%.
  • Multicar. Snag this discount by insuring multiple vehicles or drivers under the same policy.

21st Century car insurance reviews and complaints

Ratings are average or slightly below average for this provider. 21st Century isn’t rated on Trustpilot and The Better Business Bureau (BBB) gives it an A+ rating, though its customer reviews score is only 1 out of 5 stars, as of October 2020.

Some common customer complaints include difficulty with customer service, unfair cancellation fees, and slow claim payment process. Other customers report having their policy dropped without sufficient notice for late policy payments. While these kinds of complaints aren’t uncommon in the insurance industry, 21st Century shows below-average marks in customer satisfaction overall.

Must read: A note about customer reviews

Consumer ratings and reviews can give valuable insight into what it’s like to deal with a company as a customer, but they rarely tell the whole story. Remember that customers don’t usually rate something unless they want to rant, which is why organizations like the BBB provide independent assessments alongside reviews from the public.

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Frequently asked questions about 21st Century

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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