Compare Esurance vs. 21st Century Insurance

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Esurance and 21st Century are two big names in the world of insurance. Esurance was founded in 1999, and 21st Century was founded years earlier, in 1958. Both companies are known for having good customer service, and share high financial strength and J.D. Power ratings. They also offer a wide range of driver discounts, but Esurance has received negative reviews about its roadside service, and 21st Century the same for its auto insurance rates.

However, Esurance still has a strong online platform, and 21st has decent reach since it’s a subsidiary of Farmers Insurance Group.

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

  Esurance 21st Century
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
21st Century
  • You want good customer service
Worst If Esurance
  • You want excellent roadside assistance
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

Esurance 21st Century
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

21st Century

Standard Car Insurance Discounts

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

Consumer Complaint Data

Esurance 21st Century Insurance
2016 48 4
2015 67 2
2014 47 9
2013 43 3

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Esurance 21st Century
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

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

Esurance 21st Century
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

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.