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21st Century Review

Editor’s Note: This product has been removed from our side-by-side comparison because it is part of the Farmer's Insurance Group, which is reviewed here.

Our Verdict

21st Century insurance is an adequate insurance company; if you won’t need to speak to an agent 24/7, this service might be more affordable than others.

For

  • This company uses agents for a more personal connection.

Against

  • You can’t get 24/7 claim coverage over the phone.
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21st Century Image: It only takes a couple of minutes to get an online quote.

21st Century Image: It only takes a couple of minutes to get an online quote.
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21st Century Image: Type of vehicle is just one factor in determining your quote price.

21st Century Image: Type of vehicle is just one factor in determining your quote price.
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21st Century Image: This company works with Farmers Insurance.

21st Century Image: This company works with Farmers Insurance.

Editor’s Note: This product has been removed from our side-by-side comparison because it is part of the Farmer's Insurance Group, which is reviewed here.

21st Century is an auto insurance company that may be available in your area. Its customers enjoy the low rates this company offers for most, but one of the biggest complaints is how mediocre the customer care is compared to the top auto insurance companies. 21st Century offers the same policies you would expect to find with any car insurance company and has a good amount of discounts as well.

21st Century auto insurance’s customer service rating is below average when compared to the best auto insurance companies. In our subjective ratings, we found some of the other top car insurance companies easier to work with. 21st Century insurance utilizes local agents, very helpful if you like having face-to-face contact. Unfortunately, you don’t have access to your agent 24/7; the best auto insurance providers have agents available at any time of day or night, even if only by phone. If you need to check your policy or make a claim, you can use its website.

The claim service with this company is just adequate; the best auto insurance companies were rated higher. The most important question about claim service is, whether a company processes your claims quickly without too much of a hassle. One of the biggest complaints 21st Century received was that claim payments were sometimes delayed. If you get into a car accident, you don’t want to have to deal with an unreliable claim process that will cause you headaches.

Policies are pretty much standard across the board. Each state will have its own set of laws for minimum requirements. Car insurance quotes vary by each individual driver as well. Policy discounts include good-driver, good-student and many others you find with other insurance companies.

21st Century insurance is not much different from many other auto insurance companies, policy-wise. This company charges reasonable rates and offers discounts for groups such as good students and good drivers. It employs agents to give you a more personal form of communication with the company. Like many companies, you can access 24/7 claim service online, but you won’t be able to get hold of an agent over the phone after business hours.