21st Century Auto Insurance Review for 2025 (See Prices & Policy Options)

Get a 21st Century auto insurance review for its SR-22 filing program, which specializes in high-risk drivers and offers state-required liability and full coverage policies.

21st Century Auto Insurance Rating

Rating Criteria
Insurance Rating	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

It is a car insurance company that is only available to California drivers. Policyholders receive complimentary roadside assistance, but optional coverages like GAP and rideshare insurance are unavailable.

21st Century Insurance operates under the Toggle brand in California, which is a brand name of the Farmers Insurance Group of Companies.

Customers can also access discounts and the Refer a Good Friend program for rewards. To save on 21st-century auto insurance coverage, add your ZIP code to our free quote comparison tool.

21st Century Auto Insurance Rates Compared to Industry Leaders

The table below highlights how 21st Century Insurance stacks up against leading competitors in minimum and full coverage costs. While its minimum coverage rate of $64 is higher than several providers like Geico ($43) and USAA ($32), it remains lower than Allstate ($87) and Liberty Mutual ($96).

21st Century Auto Insurance Monthly Rates vs. Top Competitors by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$64	$159
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$160
	$47	$150
	$32	$84

For full coverage, 21st Century offers a $159 monthly rate, making it more affordable than Liberty Mutual ($248) and Allstate ($228) but pricier than State Farm ($150) and USAA ($84).

How Age and Gender Influence 21st Century Auto Insurance Rates

The table below illustrates how age and gender impact 21st Century Insurance premiums for both minimum and full coverage policies.

21st Century Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

Younger drivers, especially 16-year-olds, face the highest costs, exceeding $200 for minimum coverage. As age increases, monthly rates decline significantly, with 60-year-olds paying nearly 80% less than teenage drivers.

Read more: When to Buy More Than Minimum Auto Insurance

How Driving History Impacts 21st Century Auto Insurance Rates

The table below demonstrates how violations and accidents affect monthly premiums for 21st Century Insurance.

A clean driving record offers the lowest rates at $45 for minimum coverage and $111 for full coverage. A DUI raises full coverage costs to $190, making it the most expensive infraction, followed by accidents and tickets.

The table below compares how driving history affects auto insurance rates across major providers. A clean record in the 21st Century costs $111 per month, but a DUI spikes rates to $190.

21st Century Auto Insurance Monthly Rates by Provider & Driving Record

Insurance Company	Clean Record	One Ticket	One Accident	One DUI
	$111	$135	$158	$190
	$160	$188	$225	$270
	$117	$136	$176	$194
	$139	$173	$198	$193
	$80	$106	$132	$216
	$174	$212	$234	$313
	$115	$137	$161	$237
	$105	$140	$186	$140
	$86	$96	$102	$112
	$59	$67	$78	$108

While Geico and State Farm offer lower rates for most violations, Liberty Mutual charges over $300 for high-risk drivers. Explore how high-risk auto insurance keeps coverage accessible for high-risk drivers.

Where 21st Century Excels and Falls Short

The table below divides the ratings of 21st Century Insurance from major agencies. J.D. Power rates it at 865/1,000, which shows that customer satisfaction is above average for their services. Moreover, A.M. Best has given them an A rating, which indicates good financial stability.

21st Century Business Insurance 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

However, Consumer Reports rates it 72/100, noting higher-than-average consumer complaints. Learn how the best auto insurance companies, according to consumer reports, stand out from competitors.

A Reddit user shared their experience with 21st Century Auto Insurance, noting a recent shift to the Toggle brand under Farmers Insurance. They expressed concerns over premium increases and the lack of phone support, stating they’ll stay for now but may switch if rates keep rising.

21st century insurance Insurance Coverage Options

21st Century doesn’t have as much coverage as other companies, but it offers proper liability auto insurance coverage and the option to build a full coverage auto insurance policy. Coverage options with 21st Century Insurance company include:

• Bodily Injury Liability
• Property Damage Liability
• Collision Auto Insurance Coverage
• Comprehensive Auto Insurance Coverage
• Uninsured/Underinsured Motorist Coverage

Though 21st Century car insurance offers coverage to various client types, the company specializes in high-risk auto insurance coverage for individuals and offers SR-22 filings. So if you have a less-than-ideal driving record and need liability coverage, 21st Century may work well for you.

The company doesn’t offer other popular types of optional coverage, like rideshare insurance coverage or GAP insurance. However, the company offers complimentary roadside assistance to its policyholders. So, if you’re in the market for a robust policy, the 21st Century may not be the best fit. In addition to the options listed above, 21st Century also offers the following:

• Roadside Assistance
• Classic Car Insurance Coverage
• Rental Car Reimbursement
• SR-22 Filing and Coverage
• Waiver of Collision Deductibles

Each option listed above is likely to make your auto insurance policy a bit more expensive, but you may find that the coverage helps you feel safe and allows you to have peace of mind when you are driving.

21st century insurance Discounts Available

Depending on your unique situation, you may qualify for one or more auto insurance discounts with 21st Century auto insurance. Some of the discount options include:

21st Century Auto Insurance Discounts by Savings Potential

Discount Name
Multi-Car	30%
Good Driver	20%
Superior Driver	20%
Good Student	15%
Anti-Theft Device	15%
Paperless & Autopay	10%
Defensive Driver	8%
Vehicle Safety Features	6%
Early Signing	5%
Mature Driver	2%

21st Century discounts can help policyholders save as much as 30% on their policies. In most cases, you’ll automatically receive a discount with 21st Century if you qualify.

However, if you want to ensure you get the best rates possible, you can speak to a representative with the company to inquire further.

What You Should Know About 21st Century Insurance

21st Century Insurance has an A+ rating with the Better Business Bureau (BBB). However, the BBB website also shows that 21st Century closed 25 complaints in the last three years.

Still, 21st Century has a one out of five-star rating on the BBB website, suggesting the company has room to improve customer service and satisfaction. Customer complaints range from hidden policy fees to poor claims handling.

21st Century had more than the expected number of complaints based on its size, and according to the National Association of Insurance Commissioners, the number of auto insurance complaints against 21st Century is significantly high when compared to some of the best auto insurance companies.

If you’re considering doing business with 21st Century Insurance, you may want to read some customer reviews online before purchasing a policy.

Discover more by reading our guide: Where to Buy Auto Insurance Online

Unlock the best 21st Century insurance quotes by entering your ZIP code into our free rate comparison tool.