Compare Travelers vs. 21st Century Insurance

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Which Company Will Save You the Most Money?

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Two strong competitors in the insurance world are Travelers and 21st Century. Travelers was founded in 1864, and 21st Century was founded in 1958. While, 21st Century has great customer service their premiums are incredibly high. On the other hand, Travelers has great GAP coverage and flexible payment plans, but they have low customer satisfaction scores. With all this in mind, both companies still 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

  Travelers 21st Century
Best If Travelers
  • You need flexible payment plans or GAP coverage
21st Century
  • You want good customer service
Worst If Travelers
  • You value customer satisfaction or a strong website
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

Travelers 21st Century
Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

21st Century

Standard Car Insurance Discounts

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

Consumer Complaint Data

Travelers Car Insurance 21st Century Insurance
2016 34 4
2015 46 2
2014 29 9
2013 165 3

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Travelers Car Insurance 21st Century Insurance
A.M. Best A++ A
Moody's Aa2 --
S&P's AA A+

Mobile Apps

Travelers 21st Century
Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app 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

Travelers 21st Century
Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.

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.