{"id":323266,"date":"2025-11-11T17:44:12","date_gmt":"2025-11-11T22:44:12","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=109939"},"modified":"2025-11-11T17:44:12","modified_gmt":"2025-11-11T22:44:12","slug":"21st-century-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/21st-century-review\/","title":{"rendered":"21st Century Auto Insurance Review"},"content":{"rendered":"\n\n\n\n\n <\/span>\n \n\n\n

21st Century actively markets and sells personal auto insurance to drivers in California only, according to recent independent reviews and the company\u2019s own site focused on California car insurance. For Hawaii, auto insurance is offered under the affiliated Farmers Hawaii<\/a> brand within the Farmers Insurance family rather than the 21st Century brand itself. See confirmations from 21st Century<\/a>, Forbes Advisor<\/a>, NerdWallet<\/a>, and Bankrate<\/a>. You\u2019ll find standard policies with optional add\u2011ons and 24\/7 claims service. The brand also offers a mobile app so you can pay bills and initiate claims without a phone call or desktop login.<\/p>\n\n\n\n

21st Century is part of Farmers Insurance Group. Financial strength is evaluated at the issuing insurance company level. As of 2025, major agencies publish insurer financial strength ratings with outlooks\u2014see AM Best\u2019s Financial Strength Rating guide<\/a>, S&P Global Ratings\u2019 IFS overview<\/a>, Moody\u2019s rating definitions<\/a>, and Fitch rating definitions<\/a>. Always verify the latest rating, outlook, and \u201cas of\u201d date for the exact legal entity on the agency site.<\/p>\n\n\n

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Pros<\/font><\/strong><\/center>\n <\/td>\n
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Cons<\/font><\/strong><\/center>\n <\/td>\n <\/tr>\n
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  • California-focused availability with 24\/7 claims access<\/li>\n
  • Backed by Farmers Insurance Group; strong group resources and scale<\/li>\n
  • Digital self-service: online quotes, education center, and mobile app for payments and claims<\/li>\n<\/font><\/center>\n <\/td>\n
    		• \n
  • Brand availability limited to California (Hawaii served by Farmers Hawaii)<\/li>
  • Policy bundling with homeowners under the 21st Century brand is limited<\/li>
  • App feedback can be mixed; performance and login friction are common themes across insurance apps<\/li><\/font><\/center>\n <\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n \n <\/div>\n \n <\/div>\n<\/section>\n\n\n\n\n\n <\/span>\n \n\n\n

    The Auto Insurance Factors We Analyzed<\/h2>\n\n\n\n

    Pricing <\/h3>\n\n\n\n

    21st Century\u2019s premiums are personalized to each driver and vehicle. Location, driving history, annual mileage, and vehicle safety features are typical price inputs. In today\u2019s market, many shoppers compare multiple quotes and consider usage-based programs to offset elevated industry pricing. Independent research shows auto insurance switchers saved in the high-$300s on average\u2014about $388\u2014according to J.D. Power\u2019s 2024 U.S. Insurance Shopping Study<\/a>. Actual savings vary by profile and state rules.<\/p>\n\n\n\n

    Customer experience <\/h3>\n\n\n\n

    J.D. Power\u2019s U.S. Auto Insurance Study<\/a> reports regional satisfaction benchmarks for major carriers. 21st Century is not separately rank\u2011listed in that study, but the results provide context for California market expectations (e.g., price pressure easing in 2025 with satisfaction improving from prior lows). For a regulatory view of service complaints, consult the NAIC Consumer Insurance Search<\/a> to review complaint indices by company and state.<\/p>\n\n\n\n

    The 21st Century Auto Insurance<\/a> website supports quick quoting and an education center. The mobile app allows bill pay and one\u2011touch claims<\/a>. Across insurance apps in 2024\u20132025, users increasingly expect digital ID cards, photo-based claim submission, roadside requests, and reliable performance. Platform guidance emphasizes in\u2011app review prompts and account\/data deletion flows that align with Google\u2019s In\u2011App Review API<\/a> and Apple\u2019s review request best practices<\/a>, plus compliance with Android data deletion<\/a> and iOS account deletion<\/a> requirements.<\/p>\n\n\n\n

    Coverage <\/h3>\n\n\n\n

    Standard auto policies with 21st Century include bodily injury liability and property damage liability with each standard plan.<\/a> Liability covers injuries to others and damage to others\u2019 property when you\u2019re at fault, subject to policy limits and state requirements.<\/p>\n\n\n\n

    Common add\u2011ons include collision (your vehicle in at\u2011fault crashes), comprehensive (non\u2011collision events like theft, hail, vandalism), and uninsured\/underinsured motorist coverage. Many drivers also add rental reimbursement and roadside assistance. Availability and naming can vary by state filing; always review your quote and declarations for details.<\/p>\n\n\n\n

    Deals, discounts, and add-ons<\/h3>\n\n\n\n

    Discount eligibility depends on your profile and vehicle. Typical options include good driver, multi\u2011car, good student, and anti\u2011theft device discounts\u2014see 21st Century discounts<\/a> for current qualifiers. For context on potential savings from switching, J.D. Power<\/a> reported average premium savings among auto insurance switchers of about $388 in its latest study window. Your results will differ based on factors like driving record, garaging ZIP code, and selected coverages.<\/p>\n\n\n\n

    Stacking multiple eligible discounts can reduce premiums further, but programs and amounts vary by state and underwriting rules. If you drive low annual miles or have consistently safe driving habits, requesting a telematics\/usage\u2011based quote from competing carriers may uncover additional savings opportunities, as adoption continues to grow industry\u2011wide (LexisNexis Risk Solutions<\/a>).<\/p>\n\n\n <\/span>\n \n\n\n

    21st Century Auto Insurance Overview: Financial Strength, Availability, and History<\/h2>\n\n\n\n

    Availability: Under the 21st Century brand, new personal auto policies are sold to California drivers only. Hawaii policies are offered via the sister brand Farmers Hawaii<\/a>. This California\u2011only positioning is confirmed by recent third\u2011party reviews from Forbes Advisor<\/a>, NerdWallet<\/a>, and Bankrate<\/a>, and aligns with the official site<\/a>.<\/p>\n\n\n\n

    Financial strength: As part of Farmers Insurance Group, 21st Century leverages group scale and capital resources. Insurer financial strength is rated by independent agencies. Best practice is to reference the exact issuing company on your policy and verify its current rating and outlook\u2014see AM Best\u2019s<\/a>, S&P Global Ratings\u2019<\/a>, Moody\u2019s<\/a>, and Fitch<\/a> rating definitions and search pages for the latest \u201cas of\u201d dates.<\/p>\n\n\n <\/span>\n \n\n\n

    The Competition<\/h2>\n\n\n
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    <\/font><\/strong><\/center>\n <\/td>\n
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    AM Best Financial Strength Rating<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    J.D. Power 2019 Claims Satisfaction Study<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    24\/7 Claims Support<\/font><\/strong><\/center>\n <\/td>\n <\/tr>\n
    \n
    21st Century<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    Varies by issuing entity; check agency pages for current rating and outlook<\/font><\/center>\n <\/td>\n
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    Not rank-listed; see regional benchmarks<\/font><\/center>\n <\/td>\n
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    \u2714<\/font><\/center>\n <\/td>\n <\/tr>\n
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    USAA<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    Varies by issuing entity; check agency pages<\/font><\/center>\n <\/td>\n
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    High satisfaction but not rank-eligible<\/font><\/center>\n <\/td>\n
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    \u2714<\/font><\/center>\n <\/td>\n <\/tr>\n
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    Geico<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    Varies by issuing entity; check agency pages<\/font><\/center>\n <\/td>\n
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    Region-dependent satisfaction<\/font><\/center>\n <\/td>\n
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    \u2714<\/font><\/center>\n <\/td>\n <\/tr>\n
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    State Farm<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    Varies by issuing entity; check agency pages<\/font><\/center>\n <\/td>\n
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    Region-dependent satisfaction<\/font><\/center>\n <\/td>\n
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    \u2714<\/font><\/center>\n <\/td>\n <\/tr>\n
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    Progressive<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    Varies by issuing entity; check agency pages<\/font><\/center>\n <\/td>\n
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    Region-dependent satisfaction<\/font><\/center>\n <\/td>\n
    		\n
    \u2714<\/font><\/center>\n <\/td>\n <\/tr>\n
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    Nationwide<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    Varies by issuing entity; check agency pages<\/font><\/center>\n <\/td>\n
    		\n
    Region-dependent satisfaction<\/font><\/center>\n <\/td>\n
    		\n
    \u2714<\/font><\/center>\n <\/td>\n <\/tr>\n
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    Safeco<\/a><\/font><\/strong><\/center>\n <\/td>\n
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    Varies by issuing entity; check agency pages<\/font><\/center>\n <\/td>\n
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    Region-dependent satisfaction<\/font><\/center>\n <\/td>\n
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    \u2714<\/font><\/center>\n <\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n <\/div>\n \n <\/div>\n \n <\/div>\n<\/section>\n\n\n\n\n\n\n

    Use J.D. Power\u2019s latest regional study<\/a> and the NAIC Consumer Insurance Search<\/a> to compare satisfaction and complaint indices by company and region. All information accurate as of November 11, 2025.<\/strong><\/em><\/font><\/p>\n\n\n <\/span>\n \n\n\n

    The Bottom Line<\/h2>\n\n\n\n

    For California drivers, 21st Century offers standard coverage options, 24\/7 claims, and convenient digital self\u2011service. If you live in Hawaii, seek coverage through Farmers Hawaii<\/a>. Given continued price sensitivity, compare multiple quotes; J.D. Power<\/a> reports average switcher savings around $388, though your results will vary. Check insurer financial strength directly with the rating agencies and review complaint indices via the NAIC<\/a> before you decide.<\/p>\n\n\n\n

    App\u2011savvy drivers should verify that essential tasks\u2014digital ID cards, photo claims, roadside requests, and secure account management\u2014work reliably on their devices. Consider enabling telematics with any carrier that offers clear, consented savings and transparent data practices.<\/p>\n\n\n <\/span>\n \n\n\n

    21st Century Auto Insurance FAQ<\/h2>\n\n\n
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    What other types of insurance does 21st Century offer?<\/h3><\/a>\n <\/span>\n <\/div>\n
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    21st Century focuses on personal auto insurance under the 21st Century brand. Bundling with homeowners insurance is not a core offering of the 21st Century brand. If you need coverage in Hawaii, apply through Farmers Hawaii. For other product lines, check options across the broader Farmers Insurance family.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n\n\n

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    Where is 21st Century auto insurance coverage available? <\/h3><\/a>\n <\/span>\n <\/div>\n
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    Under the 21st Century brand: California only. In Hawaii, auto policies are available via the affiliated Farmers Hawaii brand. See confirmations from 21st Century and independent reviews.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n

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    What does 21st Century car insurance typically cover? <\/h3><\/a>\n <\/span>\n <\/div>\n
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    Standard policies include bodily injury liability and property damage liability. You can add collision and comprehensive for your own vehicle, and uninsured\/underinsured motorist coverage to protect against drivers who lack adequate insurance.<\/p>\n\n <\/div>\n <\/div>\n<\/div>\n\n\n\n\n\n\n\n","protected":false},"excerpt":{"rendered":"

    21st Century actively markets and sells personal auto insurance to drivers in California only, according to recent independent reviews and the company\u2019s own site focused on California car insurance. For Hawaii, auto insurance is offered under the affiliated Farmers Hawaii brand within the Farmers Insurance family rather than the 21st Century brand itself. See confirmations […]<\/p>\n","protected":false},"author":345,"featured_media":343356,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-reviews.php","meta":[],"categories":[1266],"tags":[],"post_author":[],"yoast_head":"\n21st Century Auto Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of 21st Century Auto Insurance, which offers coverage, discounts, and a handy mobile interface to drivers in California and Hawaii.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/21st-century-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"21st Century Auto Insurance Review | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Our 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