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21st Century Insurance Review 2018: Complaints, Ratings and Coverage

February 22, 2018
Auto Insurance, Insurance
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21st Century Insurance reviews and ratings

  • Customer satisfaction ratings are average or worse
  • Has fewer customer complaints than other auto insurance companies relative to its size
  • Sells bare-bones auto insurance policies in California and Hawaii
Get a quote Serving new customers only in California and Hawaii.

Overview

21st Century Insurance is a small operation, currently offering new policies only in California and Hawaii. 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.

Auto insurance rating

21st Century ranked 15th out of 23 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 customer service, claims satisfaction and shopping satisfaction
  • Consumer Reports customer satisfaction ratings
  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners

Complaints

21st Century had fewer than the median number of complaints to state regulators in 2017 relative to its size, according to the National Association of Insurance Commissioners.

Customer satisfaction

  • 21st Century ranked among “the rest” for overall purchase experience for auto insurance in J.D. Power’s 2017 U.S. Auto Insurance Shopping Study
  • It ranked “about average” for overall satisfaction in J.D. Power’s 2017 Auto Claims Satisfaction Study

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.


Auto insurance rating

21st Century ranked 15th out of 23 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 complaints against the insurer, based on data from the National Association of Insurance Commissioners

Complaints

21st Century had more than the median number of complaints to state regulators in 2016 for a company of its size, according to the National Association of Insurance Commissioners.

Customer satisfaction

  • 21st Century ranked among “the rest” for overall purchase experience for auto insurance in J.D. Power’s 2017 U.S. Auto Insurance Shopping Study
  • It ranked “about average” for overall satisfaction in J.D. Power’s 2017 Auto Claims Satisfaction Study

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.

21st Century auto insurance

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 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
  • Life 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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21st Century Insurance

21st Century Insurance

 

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

  • 2017 consumer complaints data from the National Association of Insurance Commissioners. 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 the Consumer Reports Winter Survey. Higher satisfactions ratings from Consumer Reports were given higher scores in our calculation.
  • 2017 J.D. Power ratings from three studies encompassing regional customer service satisfaction, auto claims satisfaction and shopping satisfaction. Ratings from each of the separate 2017 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.