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21st Century Review

Reviews 1
21st Century Insurance
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21st Century Insurance
21st Century Insurance
Reviews 1
Patrick Sather
Jun. 28, 2022
3 min read
Patrick Sather
21st Century Insurance Summary
Since 1958, 21st Century has offered auto insurance to California motorists. It offers free roadside assistance and several discounts that can lower the cost of your premium. You can get a quote over the phone or online after answering just a few simple questions. Additionally, 21st Century provides 24/7 claims support and has a mobile app that can help you manage your claims and insurance payments on the go.


  • Roadside assistance at no additional cost
  • 24/7 claims support
  • Mobile app available for iOS and Android


  • Only available in California

21st Century Insurance at a glance

Editorial score

Insurance Features

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Discounts Available

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Customer Service

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Online Experience

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Direct Insurer?

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Who May Benefit From 21st Century?

If you live in California and are looking for standard auto insurance then 21st Century may be a good option for you. Its online and mobile app features are very easy to use and are great for people who do not care to meet with an insurance agent in person. Additionally, you may be able to lower the cost of your premium if you qualify for one or more of its driver and vehicle discounts.

Types of Auto Insurance

21st Century offers the following types of insurance.

Bodily Injury Liability

Bodily injury liability covers the medical expenses, lost wages or income, pain, and even funeral expenses for people injured in an accident where you are at fault. It is normally required in most states.

Property Damage Liability

Property damage liability covers the cost of repairs for another person’s property or vehicle if you are responsible for causing an accident. Like bodily injury liability insurance, it is usually required in most states.

Collision Coverage

If you are in an accident with another vehicle, collision coverage pays for damage to your car even if you are at fault for the accident. You can purchase this additional coverage to help pay for repair costs greater than your out-of-pocket deductible amount.

Comprehensive Coverage

Comprehensive coverage can help you pay for the cost of repairs in the event that your car is damaged in a non-collision incident. These can include damage caused from theft, vandalism, storms, falling objects, natural disasters, or accidents involving animals.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage protects you and passengers in your vehicle if you are in a collision with an uninsured or underinsured motorist and you are not at fault. This coverage can help pay for medical bills and related expenses you or your passengers incur as a result of the accident.

Additional Features

In addition to standard coverage, 21st Century offers several additional features. With extended transportation expense coverage, or rental reimbursement, you can get from $30-$50 per day for 30 days to help cover the cost of a replacement vehicle if your car is disabled for more than a day due to a covered auto accident.

If you insure a vehicle with 21st Century, you automatically receive 24/7 roadside assistance through the 21st Roadside Assistance Program. It also offers several discounts that can lower the cost of your insurance premium, including a good driver discount, good student discount, mature driver discount, multi-car discount, and anti-theft discount.

The 21st Century mobile app, which is available for iOS and Android devices through the Apple and Google Play stores respectively, allows you to manage your policy and make payments wherever you are. 21st Century also provides specific coverage if you wish to insure an antique or classic car.

How to Apply

Currently, 21st Century only sells auto insurance coverage in California. If you live outside of California, its website and agents will route you to Farmers® Insurance to get a quote for coverage.

To get a quote online, simply enter your ZIP code on 21st Century’s homepage. Alternatively, contact a sales agent over the phone during normal business hours. You will need to provide personal information about each driver you wish to cover as well as information about your vehicle condition.

Filing a Claim

With 21st Century, you can file a claim either online or over the phone. The claims department is open 24/7 to take your report. To file a claim, you will need to provide your policy number, name, date of the incident, and approximate time of the incident.

Once you have reported your claim, 21st Century will forward the details to an adjuster in your area. An adjuster will then reach out to you within 48-72 hours to schedule a time to evaluate the damage to your vehicle.

Contact Details

You can contact 21st Century customer support via phone from 7AM-7PM PT Monday-Friday, and 7AM-6PM PT on Saturday at 1-877-401-8181. If you are calling to get a quote, sales support is available from 8AM-8PM PT Monday-Friday, and 8AM-6PM PT on Saturday at 1-877-310-5687.

Best of all, 21st Century offers 24/7 phone support for claims. It also provides chat support during normal business hours.

Alternatively, you can email general questions to service@21st.com or claim inquiries to myclaim@21st.com.


For over 60 years, 21st Century has provided auto insurance to motorists in California. Every vehicle you insure receives roadside assistance at no additional cost. You can also qualify for a number of discounts to lower the cost of your insurance premium. If you are in an accident, 21st Century has you covered with 24/7 claims support. Finally, it’s simple to manage your policy and make payments using the 21st Century mobile app.

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Patrick Sather
Written by
Patrick Sather
Patrick Sather is an award-winning personal finance writer and licensed broker who has worked for some of the largest financial firms in the United States, including TD Ameritrade and Pacific Life. A graduate of the University of Nebraska in both Economics and International Trade and English, his articles on life's most common financial decisions and quandaries are straightforward, practical, and always easy to understand.
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E. Martinez
7 months ago
Keep your phone charged
Their customer service has gone from a 5 star to a zero star every since they became affiliated with Farmers insurance. If you call their policy service line Monday through Friday, plan on a minimum wait of 25 minutes or more. I have been trying to speak to a person for over a week and have still have not been able to get a person. I just filed a complaint with the insurance commission. I'm trying to add a car and I am not able to do it online, so I have to speak to someone. On Monday I waited twice for over an 1 1/2 and then they disconnected the wait. I tried again Tuesday and after 2 hours, they disconnected the call. I tried again on Wednesday and after 1 hour, I had to hang up because my phone battery was going dead. Most of all, I do not understand why they tell you you have at least a 20 minute delay, when you have to wait for over 1 1/2 hour and last, why you get disconnected