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Last updated: February 27, 2023

21st Century Car Insurance Pricing

How much you can expect to spend on car insurance with 21st Century

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Find The Right Insurance

Let our Perfect Policy Connectors do the work for you!

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Aliza Vigderman, Director of Content

21st Century, formerly 20th Century, is a car insurance company based in Delaware that sells to consumers all over the country. It’s known to be one of the cheapest car insurance companies in Delaware, which, surprisingly, is below the national average for car insurance costs. On this page, we detail how much you can expect to pay for auto insurance with 21st Century, how you can make your premiums even lower, and some of the best aspects of the company in general.

Car Insurance Rates for 21st Century Insurance Coverage

21st Century offers drivers some of the lowest car insurance prices in the nation, with average annual premiums ranging from $1,023 to $1,776. Of course, the cost for each driver depends on many factors. Here are the average costs for various circumstances.

  • Minimum coverage: The average annual cost of minimum car insurance coverage is $678.
  • Full coverage: Full coverage would cost significantly more at around $1,779 per year.
  • Drivers in their 20s: Young people pay more for auto insurance than any other age group. Car insurance from 21st Century could cost around $5,196 a year for someone in their 20s.
  • Drivers in their 30s: Fortunately, by the time they hit their 30s, drivers’ premiums could reduce to $3,492 a year.
  • Drivers in their 40s: Car insurance prices decrease even more by age 40, with an average annual cost of $2,952.

NOTE:

Want to learn more about 21st Century, aside from pricing? Read our 21st century review.

Saving Money With 21st Century Discounts

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.

Discount type Qualifications Average discount
Anti-theft Up-to-date anti-theft equipment installed in car 15%
AutoPay/paperless delivery New or current customers with AutoPay and paperless delivery enabled 3%
Good driver No accidents or tickets in past 3 years

Licensed for 3 consecutive years

No more than 1 moving violation in past 3 years

 20% or higher
Good student Average grade of B or better

Under age 25

 15%
Mature driver 55 or older

Completed state-recognized defensive driving course

 2% (liability coverage only)
Multi-car Multiple cars/drivers under same policy Varies
Superior driver No accidents or tickets in past 4-5 years

Licensed for 4-5 consecutive years

No more than 1 moving violation in past 4-5 years

 10%-20%

Favorite Features

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 Century 21 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.

Mobile App

In all states that require insurance, driving with proof of insurance is a legal necessity. Fortunately, law enforcement will accept digital or physical forms of insurance. In case you don’t have your insurance identity card on you, 21st Century offers a mobile app in which you can view and share your insurance ID. You can also perform these tasks in the 21st Century app:

  • Pay your bill.
  • View your policy information.
  • Call for roadside assistance.
  • Contact the company directly.

The app is available for iPhone and Android users alike.

Refer a Good Friend (RGF) Program

Last but not least, if you refer a friend to 21st Century, you can get nicely rewarded. If you refer a friend and they request an insurance quote, you’ll both receive $25 gift cards to Amazon, Lowe’s, Starbucks, or Walmart. If the friend signs up for a policy, you’ll get a $50 prepaid American Express card. Not too shabby!

In What States Is 21st Century Available?

21st Century insurance company/branch States available
21st Century Advantage Insurance Company AZ, AR, CO, GA, IN, MA, MI, MN, MO, MT, NV, NM, NY, NC, ND, OR, PA, SD, TX, UT, WA, WV, WI
21st Century Auto Insurance Company of New Jersey NJ
21st Century Casualty Company AL, AK, AR, CA, CO, CT, DE, DC, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NJ, NM, NC, NY, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI
21st Century Centennial Insurance Company AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
21st Century Indemnity Insurance Company AZ, AR, CA, DE, FL, GA, ID, IA, KS, KY, LA, MD, NE, NH, NY, NC, ND, OK, OR, PA, SD, TX, UT, WI
21st Century Insurance Company AL, AK, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, ME, MD, MI, MN, MS, MT, MO, NE, NV, NJ, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI
21st Century North America Insurance Company AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
21st Century Pacific Insurance Company AK, CO, CT, DE, DC, IA, ME, MD, MA, MS, MT, NE, NV, NH, ND, OK, OR, RI, SC, SD, UT, VT, WA, WV, WY
21st Century Pinnacle Insurance Company NJ
21st Century Premier Insurance Company AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, VI, WA, WV, WI, WY
American Federation Insurance Company TX
American Pacific Insurance Company Inc. HI
Farmers Insurance Hawaii Inc. HI
Toggle Insurance Company AL, AK, AR, AZ, CO, CT, DE, DC, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NH, NV, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY

Cancellation Policy

You can cancel your auto insurance at any time with 21st Century.

How to cancel 21st Century insurance Contact information Processing time (in business days) New policies Midterm cancellations Renewal cancellations
Phone 800-241-1188 N/A Yes No Yes
Email service@21st.com 1-2 Yes Yes No
Fax California residents: 800-842-3057

Non-California residents: 866-447-2611

 1-2 Yes Yes Yes
Mail 21st Century Insurance

P.O. Box 15510

Wilmington, DE 19886-9252

 5-7 Yes Yes Yes

Company Background

Today, 21st Century is a car insurance company based in Wilmington, Delaware, and selling to consumers all over the U.S. 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 Today, the company still prioritizes direct-to-consumer sales over the internet or phone, which allows for low costs.
  • 2018: 21st Century celebrated its 60th anniversary.

21st Century Contact Information

Contact method Customer service Quote Claims Payments Policy correspondence General inquiries
Email service@21st.com N/A myclaim@21st.com N/A N/A N/A
Phone 877-401-8181 877-310-5687 888-244-6163 N/A N/A N/A
Mail N/A N/A Centralized mailing address:

National Document Center

P.O. Box 268994

Oklahoma City, OK 73126-8994

Fax: 877-217-1389

Medical/PIP documents

involving Florida, New Jersey, and New York:

P.O. Box 268995

Oklahoma City, OK 73126-8995

Medical/PIP documents

involving all other states:

P.O. Box 268993

Oklahoma City, OK 73126-8993

 California:

21st Century Insurance Payment Center

4722

P.O. Box 894722

Los Angeles, CA 90189-4722

All other states:

Insurance Payment Processing Center

P.O. Box 7247-0302

Philadelphia, PA 19170-0302

Overnight mail:

21st Century Insurance

Billing Specialist Unit

3 Beaver Valley Road, 4th Floor

Wilmington, DE 19803

 Regular mail:

21st Century Insurance

P.O. Box 15510

Wilmington, DE 19886-9252

Overnight mail:

Overnight — Correspondence

21st Century Insurance

3 Beaver Valley Road, 4th Floor

Wilmington, DE 19803

 21st Century Insurance

3 Beaver Valley Road

Wilmington, DE 19803
Fax California residents: 800-842-3057

Non-California residents: 866-447-2611

 N/A 877-217-1389 N/A N/A N/A

Conclusion

If you want to learn more about 21st Century, read our frequently asked questions below. If you’re interested in learning about other auto insurance options, read our article on auto insurance companies in general.

Frequently Asked Questions

How do I use my rental car insurance with 21st Century?

Follow these steps to use your rental car insurance with 21st Century:

  1. File a claim for the original incident, whether you were at fault or not. You can email myclaim@21st.com, call 888-244-6163, fax 877-217-1389, or use one of the following mailing addresses.
    • Centralized mailing address:
      • National Document Center
      • P.O. Box 268994
      • Oklahoma City, OK 73126-8994
    • Medical/PIP documents if you’re in Florida, New Jersey, or New York:
      • P.O. Box 268995
      • Oklahoma City, OK 73126-8995
    • Medical/PIP documents involving any state other than New Jersey, Florida, and New York:
      • P.O. Box 268993
      • Oklahoma City, OK 73126-8993
  2. Rent a car.
  3. Assuming you have rental reimbursement, also known as “extended transportation expense coverage,” you should be able to get reimbursed for up to $900 for a month, with a limit of no more than $30 a day, or higher limits of $50 a day for a maximum of $1,500 a month.

How do I add a new car to my 21st Century insurance policy?

Follow these steps to add a new car to your 21st Century insurance policy:

  1. Email service@21st.com.
  2. Include your policy number, first name, and last name in the subject line.
  3. Send the customer service agent the information they ask for, such as the new car’s vehicle identification number and license plate number.

What raises the cost of 21st Century car insurance?

These are some factors that raise the cost of 21st Century car insurance:

  • Adding a teenager to your policy
  • Your credit score decreasing (in every state except Massachusetts, California, Michigan, and Hawaii, which ban car insurance companies from basing prices on credit scores)
  • Getting into an at-fault accident
  • Receiving a ticket
  • Getting convicted of driving under the influence
  • Having a covered claim, even if it wasn’t your fault, like hail damage
  • Inflation
  • Your ZIP code changing when you move to an area with more crime and a higher population density (i.e., a city vs. a suburb or rural area)
  • Adding more coverage to your policy
  • Increasing your liability limits
  • Decreasing your deductible(s)
  • Adding a new car to your policy
  • Switching jobs and having a longer commute
  • Getting divorced, separated, or widowed

How do I check insurance rates from 21st Century for different car types?

You can check insurance rates from 21st Century for different car types over the phone or online:

  • Call 877-310-5687 to request insurance quotes.
  • Request quotes online at https://www.21st.com/.

For either option, make sure all of the information you input is the same aside from the different car types. This will allow you to compare the quotes “apples to apples.”

Citations

  1. AIG selling 21st Century Insurance to Farmers Insurance. Los Angeles Times. (2009, Apr 17).
    https://www.latimes.com/archives/la-xpm-2009-apr-17-fi-aig-21st-century17-story.html

  2. Farmers Insurance Acquisition of 21st Century Insurance Finalized. Farmers Insurance. (2009, Jul 1).
    https://newsroom.farmers.com/2009-07-01-Farmers-Insurance-Acquisition-of-21st-Century-Insurance-Finalized

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