21st Century Car Insurance Review 2024 [Insider Evaluation]
Check out the full scoop on 21st Century car insurance review, and learn about their affordable plans starting from $45 per month. 21st Century Premier Insurance Company has an A+ BBB rating and offers robust coverage and rental reimbursement options to ensure you are protected in the event of an emergency.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Nov 20, 2024
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In this 21st Century car insurance review, discover their coverage options, starting at $45 per month. We’ll explore the company’s rates, business ratings, consumer reviews, and claims process.
We’ll also discuss how it compares to other insurers, especially for those seeking affordable options like cheap car insurance after a DUI. By the end, you’ll have a clear understanding of whether 21st Century is right for you.
21st Century Car Insurance Rating
Rating Criteria 
Overall Score 3.6
Business Reviews 3.0
Claim Processing 3.0
Company Reputation 3.0
Coverage Availability 4.6
Coverage Value 3.2
Customer Satisfaction 4.0
Digital Experience 3.5
Discounts Available 5.0
Insurance Cost 3.9
Plan Personalization 3.0
Policy Options 2.8
Savings Potential 4.3
By entering your ZIP code above, you can get instant car insurance quotes from top providers.
- Discover 21st Century’s affordable rates starting at $45/month
- Learn about mixed customer satisfaction ratings from Consumer Reports
- See 21st Century’s high BBB rating for business practices
21st Century Car Insurance Rates by Demographics & Driving Record
Before you go out and start comparing car insurance rates, it’s important to understand how some factors affect the car insurance rates you pay. For example, as revealed by the tables, driving history, age, and gender all have a large impact on the cost of car insurance.
21st Century Car Insurance Monthly Rates by Coverage Level, Age, & Gender
Age & Gender Minimum Coverage Full Coverage
Age: 16 Female $213 $486
Age: 16 Male $213 $497
Age: 18 Female $162 $358
Age: 18 Male $183 $404
Age: 25 Female $53 $132
Age: 25 Male $55 $138
Age: 30 Female $49 $123
Age: 30 Male $51 $128
Age: 45 Female $45 $112
Age: 45 Male $45 $111
Age: 60 Female $41 $100
Age: 60 Male $43 $104
Age: 65 Female $44 $110
Age: 65 Male $44 $109
The rates are much higher for teenagers. Both minimum and full coverage car insurance are more expensive for a 16-year-old female than for a 16-year-old male, who pays slightly more for full coverage than females.
In addition, car insurance prices depend on another critical thing of a person, which is the driving record. Given this fact, insurance companies normally charge high premiums to drivers who have a history of accidents, DUI, or traffic tickets as they are regarded as high risk.
The factors above can help drivers understand how to find more economical options or how to make smarter choices from the carriers with the best coverage.
21st Century Car Insurance Monthly Rates vs. Top Competitor by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 65 Female | Age: 65 Male |
|---|---|---|---|---|---|---|---|---|
 | $260 | $280 | $145 | $155 | $125 | $132 | $115 | $120 |
 | $181 | $190 | $145 | $155 | $158 | $157 | $142 | $147 |
 | $172 | $180 | $140 | $145 | $136 | $136 | $125 | $130 |
 | $97 | $93 | $85 | $90 | $78 | $78 | $75 | $80 |
 | $187 | $215 | $155 | $160 | $167 | $170 | $150 | $155 |
 | $136 | $150 | $120 | $130 | $111 | $112 | $105 | $108 |
 | $141 | $146 | $118 | $122 | $109 | $103 | $100 | $105 |
 | $101 | $111 | $90 | $95 | $84 | $84 | $80 | $85 |
 | $107 | $116 | $98 | $102 | $96 | $97 | $91 | $94 |
 | $80 | $85 | $70 | $75 | $58 | $57 | $52 | $55 |
Knowing what age, gender, and driving record can do to rates, drivers can take steps to improve their risk profile and perhaps lower their premiums.
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21st Century Car Insurance Coverage Options
Determining “What is considered good car insurance coverage” typically includes a combination of liability, collision, and comprehensive coverage to ensure you’re well-protected in various scenarios. 21st Century offers a variety of car insurance coverage options to meet different needs, including liability, collision, comprehensive, uninsured/underinsured motorist, and personal injury protection.
They also provide additional features such as roadside assistance and rental reimbursement, allowing you to tailor your policy to fit your specific requirements.
21st Century Car Insurance Discounts
21st Century offers a variety of discounts to help policyholders save on their car insurance premiums. These discounts include safe driver discounts for those with a zero accident record, multi-vehicle discounts for insuring more than one car, and bundling discounts for combining auto insurance with other types of insurance.
21st Century Car Insurance Discounts by Potential Savings
| Discount |  |
|---|---|
| Good Driver | 20% |
| Superior Driver | 18% |
| Anti-Theft Device | 15% |
| Good Student | 15% |
| Multi-Vehicle | 15% |
| Mature Driver | 2% |
There are discounts for successful students who install anti-theft devices on their vehicles. These discounts can significantly reduce your overall premiums.
21st Century Car Insurance Business Ratings & Consumer Reviews
The reviews and ratings for 21st Century Car Insurance show a mix of results from different evaluation organizations. J.D. Power reports that customers are generally satisfied, while the Better Business Bureau (BBB) gives the company a high rating for its good business practices.
21st Century Car Insurance Business Ratings & Consumer Reviews
Agency
Score: 865 / 1,000
Above Avg. Satisfaction
Score: A+
Excellent Business Practices
Score: 72/100
Avg. Customer Satisfaction
Score: 2.85
More Complaints Than Avg.
Score: A
Excellent Financial Strength
On the other hand, Consumer Reports indicates average customer satisfaction, and the National Association of Insurance Commissioners (NAIC) shows more complaints than the industry average. However, A.M. Best showcases excellent financial strength.
These diverse ratings highlight the importance of considering multiple sources, such as the consumer reports car insurance recommendations when evaluating an insurance provider. Below is a detailed customer experience review from a 21st Century Insurance Company client on Yelp.
Read April R.‘s review of 21st Century Insurance on Yelp
The review provides helpful insights for anyone considering insurance choices, as it shows real experiences and results that can greatly influence a customer’s decisions.
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Pros & Cons of 21st Century Car Insurance
When considering 21st Century Car Insurance, there are several benefits that can make it an attractive choice for many drivers. Below are some key advantages.
- Comprehensive Coverage: Offers a variety of coverage options, including liability, collision, comprehensive, and more.
- Competitive Discounts: Provides discounts for safe drivers, multi-vehicle policies, bundling, and students with good grades.
- Financial Stability: High rating from A.M. Best ensures reliability in paying claims.
21st Century has some outstanding advantages, but it does have a few disadvantages that you should consider before you decide.
- Mixed Customer Satisfaction: Average customer satisfaction ratings from Consumer Reports.
- Higher Complaint Ratio: More complaints than the industry average, according to NAIC.
Like with any insurance company, it’s good to think about the pros and cons to see if it’s the right match for you.
Read More: Pros and Cons of Cheap Car Insurance Companies
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Final Thoughts on 21st Century Car Insurance
21st Century is an excellent option for many drivers who can take advantage of low rates, great discounts, and a solid range of coverage. However, while some may not like mixed customer satisfaction and higher premiums for young or high-risk drivers, there are also benefits.
Like any insurance provider, you will want to balance the benefits and cons of going with them.
Brad Larson LICENSED INSURANCE AGENT
To help you make the best decision for your needs, understanding how to purchase the right car insurance quote online can help you compare policies and find the most cost-effective solutions for you.
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