21st Century Insurance Company Review (2024)

Explore the comprehensive offerings of 21st Century Insurance Company, a prominent player in the insurance landscape, providing tailored coverage options from auto to health and featuring an efficient claims process, 24/7 support, and enticing discounts.

UPDATED: Apr 23, 2024Fact Checked

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 23, 2024Fact Checked
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21st Century Insurance Company

Average Monthly Rate For Good Drivers

$71

A.M. Best Rating:

A (Excellent)

Complaint Level:

Low

Pros

  • Comprehensive Coverage Options
  • Swift and Efficient Claims Processing
  • 24/7 Customer Support
  • Multi-Policy Discounts for Extra Savings

Cons

  • Limited Availability in Certain Regions
  • Online Account Management Could Be More Intuitive
  • Health Insurance Options Might Require Further Customization
  • Family Coverage for Health Insurance Can Get Expensive
  • Discounts and Rates Can Vary Based on Individual Circumstances

In the rapidly evolving landscape of insurance providers, 21st Century Insurance Company emerges as a prominent player, offering a comprehensive array of coverage options to suit various needs.

With a commitment to customer satisfaction, the company provides tailored policies that encompass auto, home, health, life, and renters insurance. Their standout features include streamlined claims processing, 24/7 customer support, and an array of discounts such as multi-policy and safe driver incentives.

Despite facing competition from industry giants like Geico, Progressive, and State Farm, 21st Century’s focus on innovation, customer engagement, and competitive rates ensures its place as a reliable partner for individuals and families seeking insurance solutions in the 21st century.

21st century insurance Insurance Coverage Options

From vehicles to homes, health to life, 21st Century Insurance Company offers a suite of tailored coverage options. Whether protecting your possessions or ensuring your loved ones’ future, their comprehensive policies provide peace of mind for life’s uncertainties. Discover how they cater to your unique needs and priorities.

  • Auto Insurance: From collisions to comprehensive coverage, 21st Century offers policies that safeguard your vehicle against a wide range of potential damages and incidents on the road.
  • Home Insurance: Protect your home and personal belongings with their comprehensive home insurance coverage. This includes coverage for damages caused by natural disasters, theft, and other unforeseen events.
  • Health Insurance: Prioritize your well-being with comprehensive health coverage options. Whether you’re seeking basic medical coverage or more extensive healthcare benefits, 21st Century provides plans tailored to your health needs.
  • Life Insurance: Ensure the financial security of your loved ones with reliable life insurance. Their life insurance policies offer peace of mind by providing financial support in the event of your passing.
  • Renters Insurance: Even as a renter, it’s important to protect your possessions and liability. 21st Century’s renters insurance offers coverage for your personal belongings and can provide liability protection in case of accidents or damage.

Each of these coverage options is designed to provide individuals and families with the protection they need in various aspects of their lives. 21st Century Insurance Company understands the diverse needs of their customers and offers tailored solutions to match those needs.

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21st century insurance Insurance Rates Breakdown

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Driver Profile21st CenturyNational Average
Clean Record$111$119
1+ Ticket$135$147
1+ Accident$158$173
DUI$190$209
Poor Credit$191$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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21st century insurance Discounts Available

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Discount21st Century Insurance Company
Anti Theft10%
Good Student15%
Low Mileage15%
Paperless10%
Safe Driver15%
Senior Driver10%

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At 21st Century Insurance Company, responsible choices pay off. Bundle policies, drive safely for discounts, excel academically, and secure your vehicle for more savings. Pay upfront, drive eco-friendly, or complete a course for added benefits. Embrace discounts and drive towards a brighter future.

  • Multi-Policy Discount: Bundle multiple insurance policies, such as auto and home insurance, to enjoy significant savings on your premiums.
  • Safe Driver Discount: If you maintain a clean driving record without accidents or violations, you can qualify for a safe driver discount.
  • Good Student Discount: Students with good grades can benefit from lower insurance rates, encouraging academic excellence and responsible behavior.
  • Safety Features Discount: If your vehicle is equipped with safety features like anti-lock brakes, airbags, and anti-theft systems, you might be eligible for additional savings.
  • Anti-Theft Discount: Vehicles with anti-theft devices are at lower risk of theft, leading to potential discounts on your insurance premiums.
  • Pay-in-Full Discount: Pay your insurance premium in full upfront, and you could qualify for a discount on your overall cost.
  • Eco-Friendly Vehicle Discount: If you drive a hybrid or electric vehicle, 21st Century offers incentives for environmentally conscious driving.
  • Mature Driver Discount: Older drivers with a proven safe driving history might be eligible for a discount.
  • Affinity Group Discount: Certain professional organizations and groups have partnerships with 21st Century, offering exclusive discounts to members.
  • Defensive Driving Course Discount: Completing an approved defensive driving course can lead to reduced insurance rates.

These discounts can help you save significantly on your insurance premiums while also promoting safe and responsible behavior on the road. 21st Century Insurance Company is dedicated to rewarding its customers for their commitment to safe driving and responsible actions.

How 21st century insurance Ranks Among Providers

In the competitive landscape of insurance providers, 21st Century Insurance Company faces formidable competition from several key players. These companies offer similar services and vie for the attention of customers seeking reliable coverage. Here are some of 21st Century’s main competitors:

  • Geico: Known for its catchy advertisements and competitive rates, Geico is a major player in the insurance industry. With a wide range of coverage options and discounts, Geico often competes directly with 21st Century.
  • Progressive: With a strong emphasis on innovation and technology, Progressive offers customers a user-friendly experience and a variety of insurance options. Their Snapshot program, which monitors driving habits for potential discounts, sets them apart.
  • State Farm: One of the largest insurers in the U.S., State Farm provides a wide array of insurance products, including auto, home, and life insurance. Their extensive network of agents and comprehensive coverage options make them a significant competitor.
  • Allstate: Known for its “You’re in Good Hands” slogan, Allstate offers a range of insurance products backed by a solid reputation. Their accident forgiveness program and emphasis on customer service put them in direct competition with 21st Century.
  • Liberty Mutual: Liberty Mutual is known for its personalized coverage options and focus on customer needs. They provide a variety of insurance products, including auto, home, and renters insurance, putting them in direct competition with 21st Century’s offerings.
  • Esurance: As an online-focused insurer, Esurance offers competitive rates and a streamlined digital experience. Their emphasis on technology and user-friendliness makes them a notable competitor to 21st Century.

These competitors, among others, drive innovation and customer-centric approaches within the insurance industry. They constantly evolve to meet customer demands and offer diverse coverage options, challenging 21st Century Insurance Company to maintain its unique selling points and stand out in a crowded marketplace.

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21st Century Insurance Company Claim Process

Ease of Filing a Claim

21st Century Insurance Company prides itself on offering a user-friendly claims process. Customers can file claims through multiple channels, including online, over the phone, and through their mobile apps. This flexibility ensures that policyholders can choose the method that suits them best, making it convenient to report incidents and initiate the claims process.

Average Claim Processing Time

Efficiency is a key factor in the claims process, and 21st Century Insurance Company strives to provide swift assistance during challenging times. While the specific processing time may vary depending on the nature and complexity of the claim, the company is committed to minimizing delays and ensuring that customers receive the support they need promptly.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is invaluable when evaluating an insurance company’s performance. 21st Century Insurance Company consistently receives feedback on its claim resolutions and payouts.

This feedback helps the company refine its processes and improve customer satisfaction. By listening to policyholders, the company can make necessary adjustments to ensure fair and efficient claim resolutions.

21st Century Insurance Company Digital and Technological Features

Mobile App Features and Functionality

21st Century Insurance Company offers a robust mobile app designed to enhance the customer experience. The app provides features such as policy management, claims filing, and access to important documents. Customers can conveniently handle their insurance needs on the go, making it easier to stay informed and in control of their policies.

Online Account Management Capabilities

Managing insurance policies and accounts online has become increasingly important in today’s digital age. 21st Century Insurance Company offers comprehensive online account management capabilities.

Policyholders can access their accounts, view policy details, make payments, and update information with ease. This digital convenience streamlines the insurance experience and puts essential tools at customers’ fingertips.

Digital Tools and Resources

To empower customers with knowledge and resources, 21st Century Insurance Company provides a range of digital tools. These tools may include educational resources, coverage calculators, and interactive guides to help policyholders make informed decisions about their insurance.

By leveraging technology, the company aims to support customers in understanding their coverage and making the right choices for their needs.

Frequently Asked Questions

What types of insurance does 21st Century Insurance Company offer?

21st Century Insurance Company provides a range of insurance types, including auto, home, health, life, and renters insurance.

How efficient is their claims process?

21st Century boasts a streamlined claims process for swift assistance during challenging times.

Do they provide 24/7 customer support?

Yes, their round-the-clock customer support ensures assistance whenever you need it.

What discounts are available?

They offer multi-policy, safe driver, good student, safety features, pay-in-full, and other discounts.

How does their pricing compare to competitors?

Their competitive rates make them a viable choice in the insurance market.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for 21st century insurance

3.71 (311 reviews)
0.5
April 5, 2024

Victor Burgos

21st century insurance review

Hello all if you are insured or if you are planning to get coverage by this company RUN AWAY!! This is the worst insurance company EVER.! My dad has been paying a policy for the past 25 years. About five months ago he was hit by, and uninsured motorist. His policy has coverage for uninsured motorist. And now that he needs to use the benefit they are refusing to pay for the damage. These people are liars. For that reason, we are taking a legal ...
Hello all if you are insured or if you are planning to get coverage by this company RUN AWAY!! This is the worst insurance company EVER.! My dad has been paying a policy for the past 25 years. About five months ago he was hit by, and uninsured motorist. His policy has coverage for uninsured motorist. And now that he needs to use the benefit they are refusing to pay for the damage. These people are liars. For that reason, we are taking a legal action!!
1
September 6, 2023

Crisssy_

Horrible insurance carrier

Horrible company. There is none picking up the calls in time of need. They keep billing but none is available to talk. Do not get this insurance or you will be left hanging.
1
June 16, 2023

Andie_Alcantar

Crapy n expensive

This insurance is horrible , good luck ever getting a representative, it takes hours n I'm not exaggerating 2 speak 2 some n majority of the time they hang up on u, been wth them 4 10 years, no tickets or accidents n every year it goes up $100 or more its time 2 go
1
April 6, 2023

BruP

Not Responsive at all.

I had 21st-century insurance for some time. Everything was great, up until about 3 years ago. Apparently, the company got sold to another Insurance company. Since I purchased my car, I've tried calling and sending numerous emails about changing my policy. I was on hold for almost an hour every time, and no one answered. I didn't receive a single response via email. I have been trying to reach them for months and there was no cancelation section ...
I had 21st-century insurance for some time. Everything was great, up until about 3 years ago. Apparently, the company got sold to another Insurance company. Since I purchased my car, I've tried calling and sending numerous emails about changing my policy. I was on hold for almost an hour every time, and no one answered. I didn't receive a single response via email. I have been trying to reach them for months and there was no cancelation section on their website. I finally got fed up and sent them a cancelation email and along with removing my auto-pay option. They got back to me imminently, approving my cancelation. This shows that they were not responsive when I was trying to change my policy for a cheaper rate, but ok w/ me canceling my plan after being a customer for more than +6 years. The moral of this review is that they are not responsive at all.
1
February 7, 2023

acalord

No the same company it was now that Farmers has taken it ove

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 be...
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 you account $3 calling fee. Can you bevel that? Plus the robot call will ask so many useless questions wasting time then tell you no one is available and hang up. Its time to dump 21st century all Farmers did was take a good company over and destroy everything
5
December 15, 2020

hmegens1941

HM 21st Century review

I have been with this company since 2013. They were there to help me through a tough time when I had my accident. Service was superb.
2
August 25, 2020

naq71

No price matching/Nothing for loyal customers

This is a great company who has helped me every single time I’ve needed them. For that, 4.5 stars. However, this month I got a quote from AAA. I then back to 21st and they said they don’t price match so I changed insurances. I’m deeply disappointed and a bit saddened. I’ve had 21st.com for around 30 years, and in the time of COVID-19, they are willing to let a good customer go after 30 years of loyalty? Wow! I guess that’s ok with them...
This is a great company who has helped me every single time I’ve needed them. For that, 4.5 stars. However, this month I got a quote from AAA. I then back to 21st and they said they don’t price match so I changed insurances. I’m deeply disappointed and a bit saddened. I’ve had 21st.com for around 30 years, and in the time of COVID-19, they are willing to let a good customer go after 30 years of loyalty? Wow! I guess that’s ok with them because they had no care that I wanted to change companies after my insurance went up $100+. Yes, I added a new car, but even when I added a 2006 Lexus the price went up $100 then as well. My total was $414 per month, and that was low-medium coverage! I helped AAA will treat me as well, but I am so disappointed. 😢😤
1
December 13, 2019

Mometh bousso

21st Century Insurance review

This insurance not good never put your car there bad costumer service I have a accident and I was paying full coverage but they never pay me
2
December 9, 2019

spicy77

Incessant rate increase make 21st Century a poor choice.

In general this company is known for having the lowest rates in town but over the last five years I have noticed my rates going up over time. I have never had an accident and the company is supposed to reward you for this, but my rates keep going up. I am at the point that if I get another rate increase in the next six months, I am going to bail and go with another provider.
5
October 1, 2019

mikedupont

21s century company review

i actually enjoyed the experience but since i found a better alternative i canceled it, but it is really a good company they deserve their good reputation.
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