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21st Century Auto Insurance Review


Rating: 7.5 / 10 (Very good)
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21st Century is a direct provider of auto insurance that is based out of Wilmington, Delaware. Founded in 1958, it has since become a wholly owned subsidiary of Farmers Insurance Group. They supplement their insurance policies with roadside assistance, 24/7 customer service, and paperless bill features.

How is 21st Century rated?

Breakdown

7/10
Coverage & Benefits
8/10
Pricing and Discounts
8/10
Financial Strength
8/10
Customer Experience

Overall Rating: 7.5 / 10 (Very good)

21st Century Insurance's automobile branch offers fairly standard coverage and discount options. Though their financial ratings are high, their customer experience seems to be poor, based on consumer-based reviews. By and large, prospective customers should bear in mind that there are higher-rated and more comprehensive options to choose from.

21st Century Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Glass

Coverage & Benefits - 7 / 10

21st Century’s basic coverage falls very much within the industry standard, considering its liability and collision options. They do set themselves apart, however, by their additional benefits, such as rental reimbursement and glass repair coverage.

Customer Experience

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
13
Date Collected
2017-11-10

Customer Experience - 7.5 / 10

21st Century's customer experience is quite mixed: despite their A+ Better Business Bureau rating, the only reviews available are all negative. Moreover, their complaint ratio is higher than average, and their JD Power score is a middling three out of five.

J.D. Power 2016 Auto Insurance Study

JD Power Overall Satisfaction Score
3 out of 5 (About Average)
First Notice of Loss
3 out of 5 (About Average)
Service Interaction
3 out of 5 (About Average)
Appraisal
3 out of 5 (About Average)
Repair Process
3 out of 5 (About Average)
Rental Car Experience
3 out of 5 (About Average)
Settlement
3 out of 5 (About Average)

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
1.47
NAICS Total Complaints 2016
6
*The NAICS Car Insurance complaint ratio (in this case 1.47) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength

Key Details

Underwriter
Farmers Insurance
Premiums Written 2016
$10,304,622,153
AM Best Financial Rating
A
Standard & Poor's Financial Rating
A+

Financial Strength - 7.5 / 10

21st Century is highly rated by both Standard & Poor’s and AM Best. As a subsidiary of Farmers Insurance, 21st Century contributes to their $10 billion plus in annual premiums.
*The above information reflects the financial strength of the underwriter of the 21st Century car insurance policies: Farmers Insurance.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Vehicle Safety
  • Student
  • Senior

Additional Discounts

  • Group Savings (unions, etc)
  • Full/Automatic Payment

Pricing and Discounts - 8 / 10

21st Century’s pricing should not be taken at face value, since it offers a large amount of possible discounts, based on safe driving, affiliation with some organizations, bundled policies, and selected payment type. Their wide array of rebates makes to name a few categories, it difficult not to qualify for at least one.

Contact & Additional Information

Year Founded
1958

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Our Partner
7.5 / 10
  • Good list of discount items
  • Rental car coverage
  • Gap insurance
  • 24/7 roadside assistance and customer service