21st Century Insurance Review
21st Century Insurance is rated 2.2/5 by WalletHub’s editors. This score takes into account customer reviews, sample insurance quotes, and ratings from organizations such as the Better Business Bureau (BBB), among other factors.
When it comes to customer sentiment, some 21st Century Insurance reviews from consumers highlight the company’s claims-handling process and reliable roadside assistance program. However, the company’s NAIC rating is 2.14. That means 21st Century has received a lot more complaints than the average car insurance provider its size. Customer complaints tend to focus on the company’s poor customer service.
21st Century Insurance Ratings
- Reviews on WalletHub: 2.6/5
- NAIC: 2.14
- BBB: A+
- AM Best: A-
- S&P: BBB
21st Century Auto Insurance Review Highlights
Rank — 33rd among 46 major car insurance companies in terms of price, according to WalletHub’s research.
Top Discounts — Good driver, anti-theft equipment, and good student.
Basic Coverage Options — Bodily injury liability, property damage liability, comprehensive, collision, and uninsured/underinsured motorist.
Free 24/7 Roadside Assistance — 21st Roadside Assistance program, which provides 24/7 roadside assistance, including towing services, lockout services and more, for each car insured with 21st Century.
Extra Coverage Options — Rental car reimbursement and auto glass coverage.
Specialty Auto Insurance Options —Classic car, underwritten by Foremost Insurance and administered by J.C. Taylor Insurance.
To help drivers better understand how much 21st Century car insurance costs, WalletHub’s editors obtained sample 21st Century auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full 21st Century Insurance review.
Sample 21st Century Auto Insurance Quotes
$193 per month
$95 per month
$63 per month
45-Year-Old with a Speeding Ticket
$65 per month
45-Year-Old with DUI
$139 per month
$61 per month
$63 per month
21st Century Insurance costs more than most of its top competitors, though it’s not the most expensive insurer you’ll find. It ranks 33rd out of 46 insurers in WalletHub’s cost comparison.
21st Century Home Insurance Review Highlights
21st Century Insurance offers basic homeowners insurance policies that are underwritten by Farmers Insurance Group, Foremost Insurance Company, or Homesite Insurance Group, Inc. Renters insurance policies are also available through Homesite.
Homeowners policies from 21st Century protect your home and personal property, and the company offers full replacement cost coverage for your structures and belongings. 21st Century also offers several payment options for homeowners insurance to fit a variety of needs, and there’s an online customer service portal available 24/7. However, online support isn’t available in Alaska, Hawaii, Massachusetts, New Hampshire or Florida. It’s not available in Pennsylvania for policies written by Foremost Insurance Company, either.
If you’re a renter, 21st Century offers two coverage options: the Standard Program and the Express Program. The Express Program is meant specifically for customers in apartment complexes who just need basic coverage for their possessions. The Standard Program offers broad coverage for your personal property from damage caused by risks like fire, storms, theft, and more. It also provides coverage for debris removal, personal liability, and extra living expenses if you can’t stay in a damaged rental.
Overall, 21st Century is a decent option for those shopping for homeowners or renters insurance.
Bottom Line: Is 21st Century Insurance a Good Company?
All in all, 21st Century Insurance is a pretty basic insurance company that offers personal auto and homeowners insurance policies at mid-range prices. WalletHub’s editors give 21st Century Insurance a rating of 2.2/5, as the company didn’t get the greatest scores in categories like customer service and discounts offered. 21st Century scores well when it comes to its transparency and claims process, however.
To learn more, read WalletHub’s complete 21st Century Insurance review, or check out some of the reviews from fellow consumers below.