21st Century Car Insurance

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Looking to learn about 21st Century Insurance? We’ve got you covered. Keep reading to find out about 21st Century's pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like 21st Century Insurance.

Best If

  • You want good customer service
  • You want extra coverages (like roadside assistance and more) at no cost

Worst If

  • You live outside of California
  • You want in-person service from an agent

By The Numbers

  • 21st Century has been in the business for over 60 years
  • 21st Century operates under Farmers, serving over 20 million policies through more than 24,000 employees


  • USInsuranceAgents.com
    • Gave 21st Century 4 out of 5 stars
    • Some consumers raved about the company’s excellent pricing and customer service
    • However, some criticized the company for raising premiums by a lot
  • ConsumerAffairs.com
    • Gave 21st Century 2 out of 5 stars based on 45 ratings and 182 reviews
    • Many consumers complained about 21st cancelling their policies without advance notice
    • However, some other consumers raved about the company’s reasonable premiums and good customer service
  • Better Business Bureau
    • Gave 21st Century an A+ rating, though it is not BBB accredited
    • The company’s age, small complaint volume, and response and resolution of complaints all added to its score

What Does a Policy Cost?

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

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data
Year Total Complaints Percent Change
2016 4 +100%
2015 2
2014 9 +200%
2013 3 --
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 801 — about average
  • Central: N/A
  • Florida: 781 — below average
  • Mid-Atlantic: 785 — below average
  • New England: N/A
  • New York: N/A
  • North Central: N/A
  • Northwest: N/A
  • Southeast: N/A
  • Southwest: N/A
  • Texas: N/A
U.S. Auto Insurance Shopping Study (2019)
Overall Purchase Experience Below average
Policy Offerings Below average
Pricing Below average
Local Agent Below average
Call Center Representative Below average
Insurer Website Among the best
U.S. Auto Insurance Claims Satisfaction Study (2018)
Overall Satisfaction Average
First Notice of Loss Below average
Service Interaction Average
Appraisal Average
Repair Process Below average
Rental Car Experience Average
Settlement Average
Source: J.D. Power

Financial Ratings


A.M. Best

Excellent rating; third-highest possible






Strong; highest possible rating

Market Share

Farmers Insurance is a parent company of 21st Century Insurance. As of 2015, Farmers’ market share is 3.3 percent, according to the NAIC. As the 8th largest in the nation, the company also wrote $19.1 billion in Property and Casualty premiums.

Typical Discounts

Here are some of 21st Century's common discounts:

  • Good driver
  • Superior driver
  • Multi-car
  • Mixed policy
  • Good student
  • Mature driver
  • Away at school
  • Vehicle recovery 

Roadside Assistance

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.

Every vehicle and driver under your policy is automatically covered. 

Roadside Services Covered

  • Towing
  • Jump start
  • Flat tire change
  • Gas delivery
  • Locksmith services

Contact Phone Number

Hotline: (877) 310-5687


21st Century Insurance was founded in 1958 by Louis W. Foster. At the time, it was called 20th Century Insurance. In 2005, AIG purchased the company, and Farmers Insurance GroupⓇ acquired it four years later.

Today, 21st Century provides insurance for over 10 million households. There are more than 20 million policies under Farmers Insurance. Its headquarters is in Wilmington, Delaware.

Claims Process

File a claim with 21st Century. You can also call 1 (888) 244-6163.

After submitting your claim, you’ll be contacted within one business day to further assess the damages of your accident.

Contact Information

Claims Department: 1-888-244-6163 (Toll Free)

Payments Sent By Regular Mail

California customers please send payments to this address:

21st Century Insurance Payment Center
P.O. BOX 894722
Los Angeles, CA 90189-4722

For customers in all other states, please send payments to this address:

Insurance Payment Processing Center
PO BOX 7247-0302
Philadelphia, PA 19170-0302

Payments sent by overnight mail:

21st Century Insurance
Billing Specialist Unit
3 Beaver Valley Road- 1st Floor
Wilmington, DE 19803

Policy Correspondence By Regular Mail

21st Century Insurance
PO Box 15510
Wilmington, DE 19886-9252

Policy Correspondence By Overnight Mail

21st Century Insurance
3 Beaver Valley Road- 1st Floor
Wilmington, DE 19803


Claims Centralized mailing address

National Document Center

Email: claimsdocuments@farmersinsurance.com
PO Box 268994
Oklahoma City, OK 73126-8994
Fax: 877-217-1389

Claims Medical/PIP documents involving FL, NJ, NY

PO Box 268995
Oklahoma City, OK 73126-8995

Claims Medical/PIP documents involving all other states

PO Box 268993
Oklahoma City, OK 73126-8993

Customer Service Phone Number: 1 (800) 807-9458