21st Century Auto Insurance

21st Century is one of the largest auto insurers in the United States, with over 10 million policies. Competitors include Allstate, GEICO, Farmers Insurance, Nationwide Insurance, State Farm, and USAA. 21st Century Corp. was co-founded in 1937. Auto insurance is sold through over 30,000 independent insurance agents, or direct over the phone or net. You may have seen their adjusters driving around in white Ford Explorers and Ford Escapes with the giant 21st Century logo. In California, they insure drivers through 21st Century Casualty or 21st Century Insurance Companies.

21st Century will not cover some high end cars like Aston Martin, Bentley, Ferrari, Lamborghini, Lotus and Rolls Royce. If your car was made before 1981, their computer system doesn’t recognize pre-1981 VINs, so you have to call their agents offline.

I wrote about 21st Century and how the covered my uninsured motorist claim.

Prices may be different If you buy through an agent, your rate would include a sales commission. If you buy directly from 21st Century, the rate reflects their overhead and customer acquiring costs

21st Century offers the possibility saving up to 30% if you let them install a device (commonly called telematics) that plugs into the vehicle’s onboard diagnostics port. More than 100,000 drivers have signed up for the Snapshot policy, which is currently offered in 27 states. California also recently approved such plans for competitors State Farm and AAA.

21st Century scored 75 points (substantially) below average in J.D. Powers 2011 U.S. Auto Claims Satisfaction Study. They are rated AA by Standard & Poor’s.

21st Century auto insurance discounts in California:

  • Mature Driver discounts of 2% are available.
  • Anti-Theft Device discount of 15%
  • Multi car discount of 6%
  • Good student discount of 15%
  • Group discount of 9-14%
  • A Superior driver discount of 10% and 20% is available where the risk has been accident and traffic ticket free for 4 years and 5 years respectively.
  • If the years since the accident/violation conviction date is greater than 1, aging of points goes into effect and could result in a lower surcharge.
  • A mixed policy discount is available for good/non-good driver households where one or more of the listed driver has has been rated as a good driver for at least 36 months.
  • Youthful drivers (under 3 years licensed) are accepted on parents policy only

21st Century does not give discounts for:

  • Air bags
  • Anti-lock brakes
  • Daytime auto running lights
  • Carpooling
  • Drivers training course
  • Low mileage
  • Multi-policy
  • Passive restraints (seat belts)
Carrier Name Pay by mile? JD Powers
Claims paying
JD Powers Rates
Out of 5
JD Powers Overall
Out of 5
21st Century Yes 2 3 2
AAA Yes 2 2 2
AIG No *NR *NR *NR
Acceptance Ins. No *NR *NR *NR
American Family No 4 3 3
Affirmative Insurance No *NR *NR *NR
Allied No *NR *NR *NR
Allstate Yes 3 2 3
Ameriprise No No 5 4
Amica No 4 5 5
California Casualty No *NR *NR *NR
Coast National No *NR *NR *NR
CSAA No 3 4 3
Direct General No *NR *NR *NR
Electric Insurance No *NR *NR *NR
Encompass Insurance No 2 2 2
Erie No 3 5 4
Esurance No 2 3 2
Explorer No *NR *NR *NR
Farmers No 2 2 2
Geico No 3 4 3
GMAC Yes *NR 3 2
The Hartford No 4 3 3
The Hanover No 3 2 2
Horace Mann No *NR *NR *NR
Infinity No *NR *NR *NR
Liberty Mutual Business 3 3 3
Mercury No 3 3 2
Metlife No 3 3 2
MileMeter Yes *NR *NR *NR
Nationwide No 3 2 2
New Jersey Manufacturers No No 5 5
Progressive Yes 3 3 3
Prudential No *NR *NR *NR
Safeco No 3 3 3
Safeway No No Yes *NR
State Farm Yes 4 3 4
Titan No No No *NR
Travelers No 3 3 2
Unigard No *NR *NR *NR
Unitrin Direct No *NR *NR *NR
USAA No 5 5 5
Viking No *NR *NR *NR
Wausau No *NR *NR *NR
Wawanesa No *NR *NR *NR
Western General No *NR *NR *NR
Western United No *NR *NR *NR
Workmens No *NR *NR *NR
Carrier Name Pay by mile? JD Powers
Claims paying
JD Powers Rates
Out of 5
JD Powers Overall
Out of 5
  • Acceptance Insurance services AZ, AR, CO, GA, IL, IN, IA, NE, ND, WI
  • CSAA or California State Automobile Association services Northern California, Nevada, and Utah
  • Esurance services only AZ, CA, CO, CT, FL, GA, IL, MD, MI, MO, NJ, NV, NY, OH, PA, TN, TX, VA, WA, WI, & MN
  • Mercury services only AZ, CA, FL, GA, IL, MI, NJ, NY, NV, OK, PA, TX, & VA
  • Viking Insurance is available in the following states: Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Missouri, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin and Wyoming.