21st Century Car Insurance Review 2025 [Insider Evaluation]

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 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

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.

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.

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.