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Save Thousands on Your 21St Century Car Insurance

Nicholas Hinrichsen - Published: February 15, 2024

You can lower your monthly premium on your 21St Century car insurance and save $1,359 every year / $113 every month through getting a free quote in 2 minutes. You are a great candidate for lowering your insurance premium if (a) you haven’t changed your insurance carrier in the last 12 months and/or (b) if you improved your credit and/or (c) if you paid off your car loan.

Instead of continuing to pay your 21St Century policy why not get a free quote from other auto insurance companies now and save thousands in minutes without any changes to your insurance coverage.

Manage My 21St Century Insurance

Our goal is to help you build financial strength by comparing car insurance companies. We wrote in-depth car insurance reviews so you can compare the different carriers, lower your monthly payments and get the lowest insurance rate possible. If you’re looking for ways to manage your 21St Century insurance, you must be trying to achieve one of the following things:

Manage Insurance / Auto Policy

Go to 'Login' provide User ID and Password and you’ll be able to edit, update or change your insurance settings.

File or Manage a Claim

When trying to file or manage a claim, you can select one of four options. File an auto claim, property claim, roadside assistance claim or auto glass claim. On this page, you can also find COVID-19 related questions and answers as well as general FAQs.

Explore Rideshare Coverage

If you want to use your car for ridesharing, your standard 21St Century auto insurance won’t apply. Through a 21St Century ridesharing GAP coverage policy, you can insure yourself while transporting passengers or transporting goods for delivery.

21St Century insurance offers a number of different methods to manage your insurance policy or pull up your id card via a mobile app:

If you just want to stay in touch with 21St Century and know what’s going on, connect with 21St Century in one of the following engaging ways:

Cancelling your 21St Century Insurance Policy

You can cancel your 21St Century insurance policy via the iPhone / Android app, the website or over the phone through customer service at (877) 401-8181. The whole process will take no longer than 3 minutes.

You might also explain that you're leaving because you're getting lower auto insurance quotes elsewhere. Often, insurance carriers are willing to negotiate when they know they'll lose you otherwise.

Background on 21St Century

For over 50 years, 21st Century Insurance has provided auto insurance to the residents of California. Besides the standard coverage offered, 21st century provides 24/7 customer service and complimentary roadside assistance. The company can also file SR-22 on behalf of customers who need one.

21St Century Insurance Products

21St Century has a variety of insurance products meant for the benefit of its members/customers and policyholders. These primarily span across the following categories:

Automobile Insurance: These policies are meant to cover both liability and property damage for owned vehicles. The policies vary widely with regard and you need to pick whatever suits your needs best, e.g. number of miles you drive, whether or not you want collision coverage and comprehensive coverage, whether or not you want rental reimbursement and whether or not you want coverage for underinsured or uninsured motorists. We’ll go into more details and how to obtain car insurance quotes below.

Insurance Contact 21St Century

Should you need to contact 21St Century’s customer service team (be it for to file insurance claims or for general customer service related questions), you have three options to proceed:

  • You can call 21St Century toll-free at (877) 401-8181
  • You can email 21St Century by using the email form at the bottom of the Contact US page at
  • You can send 21St Century a letter to 21St Century, 3 Beaver Valley Road, Wilmington DE 19803, United States

A 21St Century representative will get back to you within 24 - 48 hours.

21St Century Ratings, Reviews and Complaints

21St Century has a number of ratings and reviews. The most reliable resources to an independent and unbiased description from customers and employees can be found on the following four pages:

We find that consumers should take these reviews and complaints with a grain of salt. Usually, primarily upset customers feel the necessity of going through the effort of leaving a written review. We therefore recommend looking for patterns within 21St Century’s customer reviews more so than interpreting individual reviews too deeply.

Have you had a negative or positive experience worth sharing? If so, we encourage you to document your 21St Century experience on one of the above pages. Other prospective customers and 21St Century employees will thank you for the transparency and generous use of your time.

Insurance Costs, Quotes and Discounts from 21St Century

Getting a Quote: To get a quote, you can apply directly through 21St Century here. Filling out a quote requires having a 21St Century login and then answering a few basic questions about you, the members in your household, your vehicles, and your driving record. You can receive a quote either online, on the phone, or through a local branch.

21St Century Auto Insurance Costs: 21St Century proposes to save members/customers an average of $728 when compared to other insurance providers. When independently compared to other insurers (e.g. via US News) 21St Century saved the average member $268 compared to the next best national insurer (Geico). Depending on your driving record, the table below is a great reflection of what costs to expect on average.

6 Month Average Premium Monthly Average Premium
Average Price $606 $51
Driver w/ At-fault Accident $728 $61
Driver w/ Good Credit (670+) $619 $52
Driver w/ Bad Credit (<580) $1,150 $96
Driver w/ Speeding Ticket $621 $52

Insurance Discounts Available: There are several discounts 21St Century offers drivers for the auto insurance policy:

  • Anti-theft device discount
  • Good student discount
  • Multi car discount
  • Mature driver discount
  • Superior driver discount

21St Century Bundling Discounts: 21St Century proclaims to offer a discount to members who bundle home and auto insurance policies. To qualify the auto policy must be in place prior to the home policy. It should be noted that some other national insurance companies (such as Allstate) offer discounts of up to . Yet when independently reviewed, 21St Century still often had the lowest cost for bundled home and auto policies.

Other Insurance Brands Related to 21St Century

21St Century has grown into a huge financial services conglomerate. Brands related to 21St Century include but are not limited to the following:

21st Century Insurance

  • … is a subsidary of Farmers Insurance Group of Companies

Questions People also ask about 21St Century

Our goal has been to provide you with a wide range of content so you can learn more about 21St Century without having to browse through different websites. While talking to our insurance customers, we frequently heard and answered the following question about 21St Century:

Who Qualifies for and Should Get 21St Century Car Insurance?

21St Century membership is to the public. The following list summarize who can join 21St Century auto insurance:

  • Unless you live outside of California, we have not seen any restrictions.

The obvious next question is, who should get 21St Century car insurance? 21st Century Insurance is a small operation, currently offering new policies only in California. They also do the majority of their business over the phone, so if you are okay without having a personal agent and live in CA, you should call 21st Century to get a quote and read reviews.

Is 21St Century good insurance?

Overall, 21St Century is a top insurance carrier. 21St Century's customer base is known for being very loyal to the brand and taking advantage of the wide range of 21St Century's products and services. 21St Century is a premium product with premium service. If you’re trying to get the best deal on insurance possible, 21St Century is probably not your best choice.

Is 21St Century Flexible With Payments?

The answer is short and sweet: yes, 21St Century offers flexible payment plans. Life can happen and especially during the COVID-19 pandemic, a lot of Americans face competing financial obligations. 21St Century’s flexible payment plans can be tailored to your personal salary or pay-schedule so you never miss a payment.

21St Century’s standard payment plans are the Six-Month Policy and the 12-Month Policy. On both of these policies, you can choose to either pay 100% of the premium upfront against a discount or pay your premium in monthly installments.

Does 21St Century Offer Accident Forgiveness?

21St Century will not raise your premium after an at-fault accident if you have been accident free for five consecutive years. 21St Century’s accident forgiveness program is rather generous. Sadly, 21St Century does not offer its accident forgiveness program nation-wide. The following states are excluded from the program, likely for regulatory reasons: California, Connecticut, Delaware, New York and North Carolina.

Other insurance carriers raise your premium significantly when you are involved in an accident caused by negligence. Other insurance carriers are even worse: they won’t accept you as a customer if you don’t have a completely clean accident history.

Compare to other insurance carriers

To make it easy for you, we reviewed a number of carriers in the same format. We find it very hard to compare insurance companies apples-to-apples. Therefore, take a look at our reviews:

Saved money on 21St Century done! Now save on your loan!


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