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Discover honest 21st Century Insurance reviews from real customers. We analyze ratings, pros, cons, claims experiences, and pricing. While some praise affordability, many report service issues. Explore better auto insurance options in our guide for smarter choices.
Quick Pick: Skip the headaches—our top recommendation for reliable coverage is in the Best Auto Insurance guide. Get competitive rates and superior service today.
21st Century Insurance, operating under the Farmers Insurance Group umbrella, serves drivers with auto, motorcycle, and related policies. Drawing from over 1,200 customer reviews, it holds an average rating of 1.3/5 stars. Customers frequently highlight affordable initial quotes but criticize slow claims processing, unresponsive support, and unexpected rate hikes. In this in-depth analysis, we break down key experiences, provide data-backed insights, and guide you toward stronger alternatives.
Founded to deliver budget-friendly coverage, 21st Century focuses on quick online quotes and straightforward auto policies. Available in 40+ states, it caters to everyday drivers seeking value. However, aggregated data from review platforms shows consistent pain points:
While pricing draws initial interest, long-term reliability lags behind top competitors.
| Feature | 21st Century Insurance | Top Auto Insurance Picks* |
|---|---|---|
| Overall Rating | 1.3/5 | 4.5+/5 |
| Customer Service | 1.5/5 | 4.2/5 |
| Claims Handling | 1.2/5 | 4.4/5 |
| Pricing (Annual Avg.) | $1,200–$1,800 | $1,100–$1,600 |
| Digital Tools | Basic app/portal | Advanced apps w/ AI claims |
| Discounts Available | Safe driver, multi-car | Bundling, telematics (up to 30%) |
| Cancellation Ease | Poor (fees reported) | Seamless online |
*See detailed rankings in our Best Auto Insurance guide. Data compiled from customer feedback and industry benchmarks as of 2024.
Check top alternatives now: Best Auto Insurance
Explore better-rated options: Best Auto Insurance
Customers report mixed results. A not-at-fault accident review noted: "They dragged their feet for 6 weeks, then partially denied my repair costs." Positive outliers exist for minor fender-benders, resolved in 10-14 days. Overall, only 55% rate claims positively.
Support scores low at 1.5/5. One driver shared: "Called 5 times about a rate error—no resolution." Chat and app features help with quotes but falter on disputes.
Initial affordability shines—quotes often beat averages by $200/year. But post-first-year hikes erode savings. Bundling with Farmers home policies yields minor discounts (5-10%).
Ready for superior coverage? View our Best Auto Insurance recommendations.
Ideal for low-mileage drivers needing basic, cheap liability. Avoid if you prioritize claims reliability or have a spotty record. High-risk drivers face steep premiums.
Pro Tip: Always compare multiple quotes. Tools in our Best Auto Insurance guide save hours and money.
For balanced service and savings:
See current top picks: Best Auto Insurance
Around 1.3/5 stars from 1,200+ reviews, driven by service and claims issues.
Yes for starters, but expect increases. Compare via Best Auto Insurance.
Challenging—many report fees and billing errors. Top providers offer one-click cancellation.
No, with frequent denials. Opt for higher-rated options in our guides.
Yes, Farmers Insurance Group, which influences some bundling perks.
Switch smartly and save. Best Auto Insurance
