Compare American Family vs. 21st Century Insurance

Two of the biggest names in the auto insurance world are 21st Century and American Family. American Family was founded in 1927 and 21st Century was founded in 195. Both companies have their strengths and weaknesses. For instance, American Family has a lot of great discounts and coverage options, but has a habit of cancelling policies without notice. Whereas, 21st Century has excellent customer service, but is known for increasing premiums by alarming amounts. Still, both companies have excellent financial strength 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

  American Family 21st Century
Best If American Family
  • You want many discount options or additional coverage
21st Century
  • You want good customer service
Worst If American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by large amounts

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like American Family and 21st Century. QuoteWizard is an independent company that helps you find the right policy at the best rate.

Find The Best Rates For Your Policy

Compare Quotes

Special Car Insurance Discounts

American Family 21st Century
American Family

Teen Safe Driver Program

American Family's home website says its Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance

Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance

This special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need.

21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts American Family 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features American Family 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 American Family 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships American Family 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances American Family 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts American Family 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

American Family Auto Insurance 21st Century Car Insurance
2016 33 4
2015 32 2
2014 18 9
2013 9 3

U.S. Auto Insurance Shopping Study (2016)

American Family Auto Insurance 21st Century Car Insurance
Overall Purchase Experience Above average Below average
Policy Offerings Above average Below average
Pricing Above average Below average
Local Agent Above average Below average
Call Center Representative -- Below average
Insurer Website -- Among the best

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

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

Financial Strength Ratings

American Family Auto Insurance 21st Century Car Insurance
A.M. Best A- A
Moody's -- --
S&P's A A+

Mobile Apps

American Family 21st Century
American Family

My Amfam

American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device. So interacting with your insurance company or agent is just one touch away. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The My Amfam app is downloadable for iPhone or Android here.

DreamVault

This app lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items. If you need to file a claim, all your information on your belongings is right there in your hands. Download the DreamVault app here

21st Century

The 21st  iPhone app

This mobile app lets you view and pay insurance bills. You also get 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 21st  iPhone app here.

Roadside Assistance

American Family 21st Century
American Family

American Family Emergency Roadside Service

Service's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out.

Add this to your existing auto policy for help when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

Call 1 (800) MYAMFAM (1-800-692-6326)

21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. 21st Century gives policy holder access to 24-hour roadside service for no extra cost.

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 shop. 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

Hotline: 1 (888) 244-6163.