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21st Century Auto Insurance Review 2021

Jan. 4, 2021
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

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21st Century Insurance reviews and ratings

  • Has close to the expected number of complaints for a company this size.
  • Sells bare-bones auto insurance policies in California.
  • Can file SR-22s for customers.


21st Century Insurance is a small subsidiary of Farmers Insurance, currently offering new policies only in California. It does most of its business online and over the phone, so 21st Century is best for people who are fine with not having a personal agent.

21st Century auto insurance

3.5 NerdWallet rating

21st Century auto insurance earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

21st Century offers few bells and whistles with its auto policies, something that may help keep rates down. Besides the typical types of coverage offered, 21st century provides 24/7 customer service and complimentary roadside assistance. The company can also file SR-22 on behalf of customers who need one.

» MORE: Compare car insurance rates

21st Century auto insurance discounts:

  • Anti-theft device discount.
  • Good student discount.
  • Multi car discount.
  • Mature driver discount.
  • Good driver discount for drivers who are claim-free for three years.
  • Superior driver discount for drivers with no claims after four or more years.

Complaints about 21st Century

21st Century had close to the expected number of complaints to state regulators for auto insurance for a company of its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about 21st Century

Website and mobile app: Though not containing some of the slick features you’ll find on some other insurers’ digital platforms, 21st Century’s app and website let you accomplish the basics. You can pay bills, look at policy documents, view insurance ID cards and file claims from either the website or the app. You can also call for roadside assistance from the mobile app, which is available for Android and iOS.

Recap: 21st Century pros and cons

Complimentary roadside assistanceOnly available in California
Can file SR-22 formsFew perks, additional coverages offered
Few discounts offered

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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