Compare AIG vs. 21st Century Insurance

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21st Century and AIG are both well-known names in the insurance industry. 21st Century was founded in 1958, and AIG was founded in 1919. AIG is liked for its wide selection of insurance products and fast follow up, while 21st Century is liked for its friendly customer service and practical pricing.

However, 21st Century is known to increase people’s rates without notice, and AIG’s customer service reps are not so keen on building strong rapport with clients. Still, both companies have high J.D. Power ratings.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AIG 21st Century
Best If AIG
  • You want a wide selection of insurance products
21st Century
  • You want good customer service
Worst If AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

AIG 21st Century
AIG

AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 

21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts AIG 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AIG 21st Century
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AIG 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AIG 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AIG 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AIG 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AIG Insurance 21st Century Insurance
2016 11 4
2015 29 2
2014 22 9
2013 17 3

U.S. Auto Insurance Shopping Study (2016)

AIG Insurance 21st Century Insurance
Overall Purchase Experience Below average
Policy Offerings Below average
Pricing Below average
Local Agent Below average
Call Center Representative Below average
Insurer Website Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

AIG Insurance 21st Century Insurance
Overall Satisfaction Average
First Notice of Loss Below average
Service Interaction Average
Appraisal Average
Repair Process Below average
Rental Car Experience Average
Settlement Average

Financial Strength Ratings

AIG Insurance 21st Century Insurance
A.M. Best A- A
Moody's A1 --
S&P's A+ A+

Mobile Apps

AIG 21st Century
AIG 21st Century

The 21st  iPhone app lets you view and pay insurance bills as well as have 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. Download the app for iPhone here

Roadside Assistance

AIG 21st Century
AIG 21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. At no additional cost or no additional coverage on your policy, 21st Century gives policy holder access to 24-hour roadside service.

21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair facility. The cost of parts such as tires, batteries, belts and gasoline are not covered.

Roadside Services Covered

  • Towing
  • Jump start
  • Flat tire change
  • Gas delivery
  • Locksmith services

Contact Phone Number

The 21st Century Roadside Assistance Hotline: 1 (888) 244-6163.