21st Century

The Car Insurance Guide

Overall Personalized Rating: 4.3/5 (Very Good)

Summary

21st Century Insurance is a 60-year young carrier focusing on the California and Hawaii markets. It is a member of the Farmers Insurance family of companies.

Key Benefits

Financially stable provider you can rely on
Quality claims handling
Winner of multiple customer service awards

Ratings Summary

Ratings Highlights

Overall Rating

With more than 60 years in business, 21st Century has established itself as a reputable, stable insurance provider largely in the states of Hawaii and California. Residents of those states with clean driving records in particular can benefit from the reasonable rates and helpful service they have to offer.

Pricing

21st Century is reasonably priced, generally coming in as low-to-average in this regard. If you want a combination of good service and affordability, this might be the right carrier to look into.

Handling Claims

For the most part, 21st handles claims well, with a few exceptions. You can generally expect good service when working with them.

Uninsured Drivers

Uninsured drivers may have trouble getting an inexpensive rate with this company.

Young Drivers

Though this is not their typical demographic, 21st Century offers discounts for students, which can mean notable savings.

Bundling Auto with Other Insurance Types

As they currently only provide auto insurance, bundling is not an option at this time.

Drivers with Tickets/Accidents

Though it is not their typical customer base, they will offer policies to drivers with some issues on record.

Premium Driver

Premium drivers is where 21st shines. They focus on providing good pricing and great service for currently insured, good drivers.

Company Background

21st Century was founded in 1958 as a direct auto insurance provider. It has consistently focused on the California and Hawaii auto insurance markets, and maintains millions of customers around the country.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.