21st Century Insurance reviews and ratings

21st Century auto insurance earned 3.5 stars out of 5 for overall performance. Authentic reviews ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners, and more.

21st Century offers few bells and whistles with its auto policies, something that may help keep rates down. Besides the typical types of coverage offered, the 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 auto insurance discounts:

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

Complaints about 21st Century

21st Century had close to the expected number of complaints to state regulators for auto insurance for a company of its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about 21st Century

Website and mobile app: Though not containing some of the slick features you’ll find on some other insurers’ digital platforms, 21st Century’s app and website let you accomplish the basics. You can pay bills, look at policy documents, view insurance ID cards and file claims from either the website or the app. You can also call for roadside assistance from the mobile app, which is available for Android and iOS.

Other types of insurance from partner insurance companies include:
Manufactured/mobile home insurance Specialty homeowners insurance
Flood insurance Auto mechanical breakdown insurance
Motorcycle and ATV insurance Antique auto insurance
Boaters insurance Personal watercraft insurance

Recap: 21st Century pros and cons

Pros Cons
Complimentary roadside assistance Only available in California
Can file SR-22 forms Few perks, additional coverages offered
Few discounts offered


Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, website transparency, and affordability. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. .


AuthenticReviews examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history,  calculated a similar index for each insurer, weighted by the market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo), and life insurance.

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