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21st Century Car Insurance

Smart Score

86

Industry Average: 75

Smart Score

86
/100

Industry Average: 75

Customer Service

10
/10

Industry Average: 7.7

Claims Process

8.3
/10

Industry Average: 8

Value for Price

7.2
/10

Industry Average: 7

21st Century Overview

21st Century Insurance is a small agency, currently offering new policies only in California. While 21st Century focuses on bare-bones car insurance, it offers a decent level of customer support and is pretty reliable. Being a part of the Farmers Insurance Group of Companies, 21st Century Insurance can provide you with additional perks - Farmers Circle of Dependability Program offers over 2,200 trusted and efficient repair shops, Catastrophe Teams are available for on-the-scene roadside assistance in case of emergency. They also offer home insurance and other specialty coverages through other licensed insurance carriers.

Lines of Business:

21st Century Ratings Breakdown

Smart Score

86

21st Century: 86
Industry Average: 75
21st Century: 86
Industry Average: 75

Why our Smart Score matters

21st Century’s Smart Score of 86 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering 21st Century’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 86, 21st Century rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

10

21st Century: 10
Industry Average: 7.7
21st Century: 10
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with 21st Century’s representatives, and their experience with online tools like quoting and managing a policy via website or app. 21st Century’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from 21st Century’s service score of 10, they have a solid rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

8.3

21st Century: 8.3
Industry Average: 8
21st Century: 8.3
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with 21st Century. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast 21st Century handles it.


21st Century’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with 21st Century.


What does this mean for you?

Evident from a claims score of 8.3, 21st Century has a reasonable rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

7.2

21st Century: 7.2
Industry Average: 7
21st Century: 7.2
Industry Average: 7

21st Century’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How 21st Century comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

21st Century’s value for price score of 7.2 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

21st Century Auto Official Complaints

Official Complaints

Worse than average

Tracks how many more or less official complaints 21st Century has than average. With an index of 1.57 21st Century is worse than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints 21st Century has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) 21st Century has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 1.57 21st Century is worse than average.

Customer Reviews

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Out of 5

0 Reviews

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100%

of customers would reccomend this company to a friend

1 customer reviews

Marianna Howard

Auto Customer

I have a good expericene over claiming and they provide good customer support they have many values for the customers and vale to be claimable is high and it will be great deal to be the member of this insurance company. they have good value to the consumers over all the rating was good

Price Value: 1.5

Claim Satisfaction: 4

Customer Service: 5

Recommend: yes

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21st Century Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by 21st Century

Available OptionsWhat it meansSee something wrong?
Mechanical Breakdown Insurance

Covers failure of major vehicular systems, like your engine and transmission. It's similar to an extended warranty from a car manufacturer, but it provides coverage for more systems.

Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Gap Insurance

Helps pay off your auto loan if your car is totaled or stolen and you owe more than the car's depreciated value.

Comprehensive Claim Forgiveness

Protects your driving record from being affected by the insurance company's rating system for a comprehensive claim on your history, thus preventing your insurance premium from going up due to this type of accident.

Antique or Collector Car Insurance

Special insurance for antique and collectors cars.

Glass Coverage

Protects the cost of fixing or replacing a broken windshield.

21st Century availability in these states

21st Century Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe 21st Century has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Good Driver

Typically relates to a driver's history (or lack thereof) of accidents and violations. Often has a 3 to 5 year lookback period.

Passive Restraint

Applies to vehicles with safety features such as automatic braking systems (ABS), airbags, or automatic seatbelts.

Anti Theft Device

This discount is for cars with alarms, and other theft deterrents. It typically only applies to comprehensive coverage however.

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How does 21st Century compare to other insurance companies? Click the following links below to compare 21st Century to other top insurance companies.

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