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21st Century Insurance | Auto Insurance Review

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21st Century is a direct provider of auto insurance that is based out of Wilmington, Delaware. Founded in 1958, it has since become a wholly owned subsidiary of Farmers Insurance Group. They supplement their insurance policies with roadside assistance, 24/7 customer service, and paperless bill features.
 
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How is 21st Century rated?

Breakdown

3.5/5
Coverage
3.5/5
Financial Strength
0.0/5
Supplemental Coverage
4.0/5
Pricing & Discounts
3.5/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 3.5 / 5 (Very good)

21st Century Insurance's automobile branch offers fairly standard coverage and discount options. Though their financial ratings are high, their customer experience seems to be poor, based on consumer-based reviews.

By and large, prospective customers should bear in mind that there are higher-rated and more comprehensive options to choose from.

21st Century Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Glass

Coverage - 3.5 / 5

21st Century’s basic coverage falls very much within the industry standard, considering its liability and collision options. They do set themselves apart, however, by their additional benefits, such as rental reimbursement and glass repair coverage.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
1.47
NAIC Total Complaints 2020
6

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
13
Date Collected
2017-11-10
*The NAIC Car Insurance complaint ratio (in this case 1.47) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 3.5 / 5

21st Century's customer experience is quite mixed: despite their A+ Better Business Bureau rating, the only reviews available are all negative. Moreover, their complaint ratio is higher than average.

Financial Strength

Key Details

Underwriter
Farmers Insurance
Premiums Written 2020
$10,304,622,153
AM Best Financial Rating
A
Standard & Poor's Financial Rating
A+

Financial Strength - 3.5 / 5

21st Century is highly rated by both Standard & Poor’s and AM Best. As a subsidiary of Farmers Insurance, 21st Century contributes to their $10 billion plus in annual premiums.
*The above information reflects the financial strength of the underwriter of the 21st Century car insurance policies: Farmers Insurance.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Vehicle Safety
  • Student
  • Senior

Additional Discounts

  • Group Savings (unions, etc)
  • Full/Automatic Payment

Pricing & Discounts - 4 / 5

21st Century Insurance is part of the Farmers Insurance Group of Companies, a leading provider of home, small business, auto insurance, and other financial services.

Its auto insurance service gives vehicle owners coverage against collision, property damage, and personal injury during an accident. 21st Century Auto Insurance also offers a variety of discount options for multi-vehicle, safe drivers, pre-payment to name a few.

21st Century’s pricing should not be taken at face value since it offers a large number of possible discounts, based on safe driving, affiliation with organizations, bundled policies, and selected payment type. Their wide array of rebates makes it difficult not to qualify for at least one.

Contact & Additional Information

Homepage URL
https://www.21st.com
Company Phone
(877) 310-5687
Headquarters Address
3 Beaver Valley Road, Wilmington, DE, 19803
Year Founded
1958

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Customer Comments & Reviews

Loading Reviews ...
U
Uniotter
3/6/2019
I had a Farmer's Insurance policy for 8 years and was very happy. Then they switched to 21st Century and my premium went up, using the online system became complicated (my old login didn't work anymore, and paying online or by phone now had a $2.50 fee), and when I wanted to speak to a representative the call center was closed. I never had an accident or ticket and always paid in full, on time. The increase wasn't very much, but that coupled with the decline in customer service made me go look elsewhere. The same coverage at Geico was $34 less. I have no idea about GEICOs service, but the customer complaint rating was certainly better.

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