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

Worst If

  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by large amounts

By The Numbers

  • 21st Century offers insurance in 49 states and Washington, D.C.; does NOT operate in Hawaii
  • Under Farmers: Serves 10 million households, has 20 million policies in effect, over 50,000 exclusive and independent agents, and nearly 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

Total Complaints
Percent Change
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
Below average
Local Agent
Below average
Call Center Representativ
Below average
Insurer Website
Among the best

U.S. Auto Insurance Claims Satisfaction Study (2018)

Overall Satisfaction
First Notice of Loss
Below average
Service Interaction
Repair Process
Below average
Rental Car Experience
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.

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.

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 shop. 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

Hotline: 1 (888) 244-6163.

Mobile Apps

The 21st  iPhone app

This mobile app lets you view and pay insurance bills. You also get 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 21st  iPhone app here.


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- 4th 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- 4th 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