21st Century Insurance Company Review

Company Overview

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21st Century Insurance has a lot to offer customers who are looking for an affordable option for auto insurance. The company, originally called 20th Century Insurance, has been in business since 1958 and has won numerous awards including the "Achievement in Customer Excellence (ACE) award. The company was purchased in 2005 by AIG and then sold to Farmers insurance Group in 2009. The company's headquarters is located in Wilmington, Delaware with Anthony J.

DeSantis serving as President and CEO.

Financial Stability

21st Century Insurance receives high ratings from the financial rating organizations of Fitch and A.M. Best. Fitch rates 21st Century Insurance with an "A+" rating with a stable outlook while A.M. Best rates the company with an "A" excellent rating, also with a stable outlook. This says a lot for a company to have high financial ratings at a time when other insurance companies are going under. You don't have to worry that your insurance company will be there when you need it.

Product Offerings

In addition to auto insurance, you can also purchase homeowners insurance, renters insurance, flood insurance, umbrella insurance, life insurance, roadside assistance and several other insurance products. If you purchase an auto policy, you can receive a 10% discount on your homeowners insurance. The company offers online customer service to its customers 24/7.

When you purchase an auto policy, you have the option of including roadside assistance, rental reimbursement and towing and labor. I should also mention here that 21st Century includes a service they call "21st Century Security Advantage" free with every auto policy they sell. This service includes the roadside assistance, emergency medical, travel assistance and identity theft restoration service.

If you are a customer who is looking to get the most out of auto insurance discounts, you won't be disappointed with 21st Century Insurance. Here are some of the great discount values you can receive with your auto policy:

  • Homeowner discounts
  • Safe driving discounts
  • Anti-lock brake discounts
  • Senior driver discounts
  • Airbag discounts
  • Discounts for paying your policy balance early

To receive an insurance quote, you can visit the 21st Century Insurance Website or call 1-877-310-5687.

Pros and Cons


  • 21st Century Insurance has been in business for nearly 50 years and has excellent financial ratings.
  • Many attractive discounts are available to policy holders.
  • An award-winning customer service record.
  • Competitive auto insurance rates.
  • The website is easy to use and customer can quickly access information about their policies.
  • Customer service available 24/7.


  • If you are looking to buy all of your insurance from one carrier, 21st Century may not carry all of the insurance products you need.
  • Some customers have voiced concerns that when their vehicles were totaled, the company offered a low pay-out.
  • Complaints of increases in premium without proper explanation.

The Bottom Line

Overall, I believe 21st Century Insurance is a good choice when it comes to auto insurance.

It is a financially stable company that offers competitive rates and is highly ranked in the area of customer service. One of the strongest selling points that 21st Century Insurance has to offer is its low automobile insurance rates. In fact, most customers list this as the reason they have switched their car insurance to 21st Century.

Negative aspects include customer complaints about claims service and increased price of insurance premiums. If you are looking to buy all of your insurance through one company, 21st Century may not offer all of the products you need. Contact the company before you begin buying insurance, to make sure you will find what you are looking for at 21st Century Insurance.