Compare The General vs. 21st Century Insurance


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21st Century and The General are two well-known names in the world of auto insurance. 21st Century was founded in 1958, followed by The General in 1963. Though the General has excellent online quote tools and provides affordable premiums for drivers with imperfect records, its discounts list is limited and its customer service is notedly unhelpful.

On the flip side, 21st Century compensates with its wide array of auto discounts and friendly customer service, but it has a habit of raising people’s premiums though the rates start out as affordable. 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

  The General 21st Century
Best If The General
  • You don’t have a perfect driving record but still want affordable insurance rates
21st Century
  • You want good customer service
Worst If The General
  • You want good customer service and consistency
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

The General 21st Century
The General 21st Century

Standard Car Insurance Discounts

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

Consumer Complaint Data

The General Insurance 21st Century Insurance
2016 13 4
2015 14 2
2014 3 9
2013 4 3

U.S. Auto Insurance Shopping Study (2016)

The General Insurance 21st Century 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)

The General 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 Above average Average
Settlement Average Average

Financial Strength Ratings

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

Mobile Apps

The General 21st Century
The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

To download the app for iPhone, click here. To download the app for 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

The General 21st Century
The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service
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.