21st Century Car Insurance Review 2025 [Insider Evaluation]
Our 21st Century car insurance review compares affordable plans starting from $45/month. The 21st Century Premier Insurance Company has an A+ BBB rating and offers robust coverage and rental reimbursement options to ensure you are protected in the event of an emergency.
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Table of Contents
Table of Contents
Professor & Published Author
D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from S...
D. Gilson, PhD
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Kristen Gryglik
Updated December 2024
This 21st Century car insurance review highlights the company’s competitive rates, starting at $45 per month, and its policies, which are particularly beneficial for drivers with clean records. Rates, however, rise sharply for high-risk drivers.
As a subsidiary of Farmers Insurance, 21st Century operates exclusively in California under the new brand name Toggle.
21st Century Car Insurance Rating| Rating Criteria |  |
|---|---|
| Overall Score | 3.6 |
| Business Reviews | 3.0 |
| Claim Processing | 3.0 |
| Company Reputation | 3.0 |
| Coverage Availability | 4.6 |
| Coverage Value | 3.2 |
| Customer Satisfaction | 4.0 |
| Digital Experience | 3.5 |
| Discounts Available | 5.0 |
| Insurance Cost | 3.9 |
| Plan Personalization | 3.0 |
| Policy Options | 2.8 |
| Savings Potential | 4.3 |
While drivers outside California must work with Farmers Insurance directly, California residents can access basic liability coverage through Toggle. Read our Farmers car insurance review to learn more about the company.
By entering your ZIP code, you can get instant car insurance quotes from the top providers in your state.
- 21st Century Auto Insurance Rating is 3.6
- 21st Century insurance rates are affordable at $45/month
- 21st Century maintains an A+ rating from A.M. Best
21st Century Car Insurance Prices
Before you go out and start comparing car insurance rates, it’s important to understand how some factors affect the car insurance rates you pay. For example, 21st Century car insurance quotes will vary by age, gender, and driving history.
21st Century Car Insurance Monthly Rates by Coverage Level, Age, & Gender| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| Age: 16 Female | $213 | $486 |
| Age: 16 Male | $213 | $497 |
| Age: 18 Female | $162 | $358 |
| Age: 18 Male | $183 | $404 |
| Age: 25 Female | $53 | $132 |
| Age: 25 Male | $55 | $138 |
| Age: 30 Female | $49 | $123 |
| Age: 30 Male | $51 | $128 |
| Age: 45 Female | $45 | $112 |
| Age: 45 Male | $45 | $111 |
| Age: 60 Female | $41 | $100 |
| Age: 60 Male | $43 | $104 |
| Age: 65 Female | $44 | $110 |
| Age: 65 Male | $44 | $109 |
In addition, 21st century car insurance prices depend on a driver’s record. Insurance companies normally charge high premiums to drivers who have a history of accidents, DUIs, or traffic tickets because they are regarded as high-risk.
How does 21st Century Insurance compare to the competition? While it is more expensive for teen drivers, its full coverage car insurance rates are cheaper than Allstate and Farmers, its parent company.
21st Century Car Insurance Monthly Rates vs. Top Competitor by Age & Gender| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 65 Female | Age: 65 Male |
|---|---|---|---|---|---|---|---|---|
 | $260 | $280 | $145 | $155 | $125 | $132 | $115 | $120 |
 | $181 | $190 | $145 | $155 | $158 | $157 | $142 | $147 |
 | $172 | $180 | $140 | $145 | $136 | $136 | $125 | $130 |
 | $97 | $93 | $85 | $90 | $78 | $78 | $75 | $80 |
 | $187 | $215 | $155 | $160 | $167 | $170 | $150 | $155 |
 | $136 | $150 | $120 | $130 | $111 | $112 | $105 | $108 |
 | $141 | $146 | $118 | $122 | $109 | $103 | $100 | $105 |
 | $101 | $111 | $90 | $95 | $84 | $84 | $80 | $85 |
 | $107 | $116 | $98 | $102 | $96 | $97 | $91 | $94 |
 | $80 | $85 | $70 | $75 | $58 | $57 | $52 | $55 |
Knowing what age, gender, and driving record can do to rates, drivers can take steps to improve their risk profile and perhaps lower their 21st Century premiums.
21st Century Car Insurance Coverage Options
What is considered good car insurance coverage? That typically includes a combination of liability, collision, and comprehensive coverage to ensure you’re well-protected in various scenarios.
Through Toggle, 21st Century also provides unique coverage options that aren’t available from other companies, including rideshare coverage and pet insurance, which pays up to $1,000 in vet costs if your pet is hurt in an auto accident.
21st Century offers a variety of car insurance coverage options to meet different needs. Additional features include roadside assistance and rental reimbursement.
21st Century Car Insurance Discounts
21st Century offers a variety of discounts to help policyholders save on their car insurance premiums. These include safe driver discounts for those with a zero-accident record, multi-vehicle discounts for insuring more than one car, and bundling discounts for combining auto insurance with home or renters.
21st Century Car Insurance Discounts by Savings Potential| Discount |  |
|---|---|
| Good Driver | 20% |
| Superior Driver | 18% |
| Anti-Theft Device | 15% |
| Good Student | 15% |
| Multi-Vehicle | 15% |
| Mature Driver | 2% |
There are discounts for successful students who install anti-theft devices on their vehicles. These discounts can significantly reduce your overall premiums.
21st Century Car Insurance Business Ratings & Consumer Reviews
The reviews and ratings for 21st Century Car Insurance show a mix of results from different evaluation organizations. J.D. Power reports that customers are generally satisfied, while the Better Business Bureau (BBB) gives the company a high rating for its good business practices.
21st Century Car Insurance Business Ratings & Consumer Reviews| Agency | |
|---|---|
 | Score: 865 / 1,000 Above Avg. Satisfaction |
 | Score: A+ Excellent Business Practices |
 | Score: 72/100 Avg. Customer Satisfaction |
 | Score: 2.85 More Complaints Than Avg. |
 | Score: A Excellent Financial Strength |
On the other hand, Consumer Reports indicates average customer satisfaction, and the National Association of Insurance Commissioners (NAIC) shows more complaints than the industry average. However, A.M. Best showcases excellent financial strength.
These diverse ratings highlight the importance of considering multiple sources, such as the Consumer Reports car insurance recommendations, when evaluating an insurance provider. Below is a detailed customer experience review from a 21st Century Insurance Company client on Yelp.
This Yelp review has some handy info for anyone checking out their insurance options. It gives real stories and results that could really influence your decisions.
Pros & Cons of 21st Century Car Insurance
When you think about insurance in the 21st century, there are advantages that may appeal to many drivers. Here are some of the key benefits.
- Comprehensive Coverage: Offers a variety of coverage options, including collision, comprehensive, rideshare, pet insurance, and more.
- Competitive Discounts: Provides discounts for safe drivers, multi-vehicle policies, bundling, and students with good grades.
- Financial Stability: A high rating from A.M. Best ensures reliability when paying claims.
The 21st Century has some outstanding advantages, but it also has a few disadvantages that you should consider before you decide:
- Mixed Customer Satisfaction: Average customer satisfaction ratings from Consumer Reports.
- Higher Complaint Ratio: More complaints than the industry average, according to NAIC.
Like with any insurance company, it’s good to weigh the pros and cons of cheap car insurance companies to determine if it’s the right match for you.
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21st Century Car Insurance Reviews
This 21st century car insurance review highlights the company’s low rates, great discounts, and a solid range of coverage. However, some may not like mixed customer satisfaction reviews and higher premiums for young or high-risk drivers.
21st Century policies feature competitive rates, especially for drivers with clean records, though premiums increase significantly for high-risk drivers.
Brad Larson LICENSED INSURANCE AGENT
To help you make the best decision for your needs, understanding how to purchase the right car insurance quote online can help you compare policies and find the most cost-effective solutions for you.
Ready to find cheaper car insurance coverage? Enter your ZIP code to begin.
Frequently Asked Questions
Who owns 21st Century car insurance?
21st Century Insurance is owned by Farmers Insurance Group, a well-established insurance provider offering various coverage options for auto, home, and more.
Is 21st Century Insurance the same as Farmers?
While Farmers Insurance Group owns 21st Century, it operates as a separate brand with its own policies and pricing. See if you’re getting the best deal on car insurance by entering your ZIP code here.
When did Farmers buy 21st Century Insurance?
Farmers Insurance Group acquired 21st Century Insurance in 2009 to expand its portfolio and strengthen its position in the auto insurance market.
What is the most trusted car insurance company?
USAA and State Farm are often cited as the most trusted car insurance companies due to high customer satisfaction, strong financial ratings, and comprehensive coverage options.
What is the biggest insurance company to fail?
AIG’s near-collapse in 2008 during the financial crisis was one of the most significant failures, but government intervention prevented bankruptcy. AIG is one of the worst car insurance companies in America.
Which car insurance company has the most complaints?
According to NAIC data, some smaller regional insurers and companies like Liberty Mutual and Allstate tend to have higher-than-average complaint ratios.
Read More: Car Insurance Companies With the Worst Customer Satisfaction
Who is the cheapest car insurance?
Geico is often ranked as the cheapest car insurance provider, offering competitive rates and a variety of discounts to lower premiums further. Enter your ZIP code to find the cheapest insurance near you.
Does 21st Century Insurance offer coverage outside of California?
Yes, 21st Century Insurance offers coverage outside California through its parent company, Farmers Insurance. However, in California, it operates under the Toggle brand, providing unique policies such as rideshare coverage and pet insurance.
Is Progressive pulling out of California?
Progressive has reduced some services in California due to state regulations but continues to offer policies to California drivers.
Read More: Cheapest California Car Insurance Rates
What discounts does 21st Century Insurance provide?
21st Century Insurance offers a variety of discounts, including safe driver discounts, multi-vehicle discounts, and bundling discounts for combining auto and home insurance. Additional savings are available for good students and vehicles equipped with anti-theft devices.
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