21st Century Car Insurance Pricing 2025

21st Century offers California drivers competitive car insurance prices in the state, with average annual premiums ranging from $951 to $6,812. Of course, the cost for each driver depends on many factors. Here are the average costs for various circumstances.

Even though 21st Century has reasonable pricing, you should still apply auto insurance discounts to lower your total cost. Your agent will build in your discounts when you first sign up for your policy, and there’s no limit on the number of discounts you can use. Here are the discounts available from 21st Century.

Aside from the low cost, here are some of our favorite things about 21st Century insurance.

24/7 Claims

We appreciate 21st Century’s 24/7 claims service, because you never know when you’ll get into an accident.

Direct-to-Consumer Sales

21st Century sells insurance directly to consumers like you, cutting out intermediaries like insurance brokers. You’ll buy insurance from 21st Century agents, either over the phone or online.

Free Roadside Assistance

Roadside assistance is necessary, especially for teen drivers, but it’s usually supplemental. That’s not the case with 21st Century, which offers roadside assistance on the house, including lockout service and towing. However, it doesn’t apply to anyone who’s already a customer of AAA or OnStar, two third-party roadside assistance companies.

Classic Car Coverage

21st Century has specialized coverage for classic car collectors. If your antique racer is in good shape, parked in a closed and secured garage, and runs as a hobby vehicle, you qualify for classic car coverage. You’ll also need to be a safe driver, with a maximum of one moving violation and one at-fault accident on your driving record.

Currently, 21st Century is only available to California drivers. Many former 21st Century customers are now insured by Toggle, another of Farmer’s brands.

You can cancel your auto insurance at any time with 21st Century by contacting the company directly.

Today, 21st Century is a car insurance company based in Wilmington, Delaware, and providing service for drivers in California only. But how did it get here — to the 21st century?

• 1958: Louis W. Foster founded the company, then called 20th Century. Originally, it provided car insurance directly to people living in California only. The company was housed in a one-room office in Los Angeles and insured only good drivers.
• 2003: 21st Century became incorporated.
• 2007: AIG acquired 21st Century and rebranded it as AIG Direct.
• 2008: When the recession hit, AIG nearly collapsed and decided to restore the brand as 21st Century. Unfortunately, the rebrand didn’t save the jobs of 500 employees or the four offices that had to shut down.¹
• 2009: Things turned around for 21st Century when Farmers Insurance purchased it for about $1.9 billion.²
• 2018: 21st Century celebrated its 60th anniversary.

To contact 21st Century for customer service, call 1-855-864-1530 weekdays from 9 a.m. until 10 p.m., or Saturdays from 10 a.m. through 9 p.m., EST. For claims, you can either report a claim online or call claims 24/7 at 1-888-244-6163. 21st Century no longer accepts contact via mail or fax message and does not list any email addresses.

While 21st Century doesn’t offer new policies, it can be great for existing customers. With a multitude of auto insurance discounts, complimentary roadside assistance, and classic car coverage, certain drivers may prefer a policy with 21st Century. If you’re interested in learning about other auto insurance options, read our article on auto insurance companies.