Compare Foremost vs. 21st Century Insurance

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21st Century and Foremost are both big names in the world of insurance. 21st Century was founded in 1958, and Foremost was founded in 1952. Foremost has a wide range of driver discounts as well as a broad selection of insurance products and coverage options, while 21st Century offers excellent customer service and affordable premiums.

However, 21st Century tends to raise people’s premiums, and Foremost’s respective rates are also on the higher side since they insure high-risk drivers. 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

  Foremost 21st Century
Best If Foremost
  • You want a variety of coverage options
21st Century
  • You want good customer service
Worst If Foremost
  • You want a fast claims and pay-out process
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

Foremost 21st Century
Foremost 21st Century

Standard Car Insurance Discounts

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

Consumer Complaint Data

Foremost Car Insurance 21st Century Insurance
2016 65 4
2015 98 2
2014 87 9
2013 97 3

U.S. Auto Insurance Shopping Study (2016)

Foremost Car Insurance 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 Below average Among the best

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

Foremost Car Insurance 21st Century 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 Average Average
Settlement Average Average

Financial Strength Ratings

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

Mobile Apps

Foremost 21st Century
Foremost 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

Foremost 21st Century
Foremost

Foremost Towing and Roadside Service Coverage

With the additional Towing and Roadside coverage will get you roadside service on covered vehicles, but could be subject to a maximum policy limit.

Foremost offers towing and other roadside services to its customers. It also will cover any roadside costs for you subject to a maximum limit on your auto policy.

Services Covered

  • Towing
  • Battery service
  • Tire change
  • Gas delivery

Contact Phone Number

You can call Foremost 24-Hour Roadside Assistance at 1 (800) 554-6678.

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.