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21st Century Insurance Review 2019: Complaints, Ratings and Coverage

March 22, 2019
Auto Insurance, Insurance
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

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21st Century Insurance reviews and ratings

  • Customer satisfaction ratings are average.
  • Has close to the median number of complaints for auto insurance relative to its size.
  • Sells bare-bones auto insurance policies in California.

21st Century Insurance is a small operation, 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 review details

Auto insurance rating

3.5 NerdWallet rating

21st Century ranked 18th out of 24 insurers in NerdWallet’s ranking of the best car insurance companies, earning 3.5 stars out of 5 for overall performance. NerdWallet’s rating is a score based on:

  • J.D. Power ratings for claims satisfaction and customer service.
  • Consumer Reports customer satisfaction ratings.
  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners.

21st Century auto insurance coverage options

21st Century offers few bells and whistles with its auto policies, something that may help keep rates down. Customers can buy the typical types of coverage, as well as custom equipment coverage, which pays if custom parts, such as a stereo or wheel rims, are damaged or stolen.

» MORE: Compare car insurance rates

21st Century at a glance

Financial strength: A (“excellent”)

21st Century’s financial strength is “excellent,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.

Complaints

21st Century had close to the median number of complaints to state regulators in 2018 for a company of its size, according to the National Association of Insurance Commissioners.

Customer satisfaction

2018 J.D. Power Study21st Century ranks...
Auto Insurance Claims SatisfactionAbout average

More about 21st Century

Other insurance products: The company offers other products through affiliated companies:

  • Specialty home insurance.
  • Mobile or manufactured home insurance.
  • Flood insurance.
  • Mechanical breakdown insurance.
  • Motorcycle insurance.
  • ATV insurance.
  • Antique auto insurance.
  • Boat insurance.
  • Personal watercraft insurance.

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.


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Find your rate.

Find your rate.

NerdWallet’s star ratings are based on the following three factors, each weighted equally to produce a 300-point maximum total score:

  • 2018 consumer complaints data from the National Association of Insurance Commissioners for private passenger auto insurance. The median complaint ratio for the industry is 1. Lower ratios are better. Insurers whose median complaint ratios were more than 1 received fewer points; those lower than 1 received more points.
  • 2017 company satisfaction data from Consumer Reports’ most recent car insurance survey. Higher satisfactions ratings from Consumer Reports were given higher scores in our calculation.
  • 2018 J.D. Power ratings from three studies encompassing regional customer service satisfaction, auto claims satisfaction and shopping satisfaction. Ratings from each of the separate 2018 studies were averaged to form one overall score from J.D. Power. The higher the average, the more points the insurer scored in our calculation.

Only larger insurers with data available in all three of these categories were included. Smaller insurers not listed here may also be good choices and are worth consideration.