---
title: "21st Century Insurance Review [Updated 2026]"
description: "Review 21st Century's California auto coverage, insurer ratings, claims contacts, and current information about the Toggle policy transition."
canonical: "https://www.coveragecat.com/reviews/21st-century-insurance"
last-updated: "2026-10-31"
---

# Is 21st Century Insurance Still Operating?

1. [Introduction to 21st Century Insurance](#introduction)
2. [What Kind of Insurance Does 21st Century Offer?](#typesof)
3. [How Does 21st Century Insurance Work?](#howdoesitwork)
4. [Pros and Cons of 21st Century Insurance](#proscons)
5. [Ratings and Customer Feedback](#ratings)
6. [Get Customer Support for 21st Century Insurance](#support)
7. [Frequently Asked Questions (FAQ)](#faq)

## <a id="introduction"></a>Introduction to 21st Century Insurance

[(21st Century Insurance, "60th Anniversary", 2018)](https://www.21st.com/60th-anniversary) was founded in 1958 by Louis W. Foster as "20th Century" Insurance in Los Angeles, California. Foster pioneered direct-to-consumer auto insurance sold by phone and mail, focusing exclusively on good drivers in California.

The company evolved through several ownership changes. [(PitchBook, "21st Century Insurance 2026 Company Profile", 2025)](https://pitchbook.com/profiles/company/41035-06) notes it was founded in 1958 and is now headquartered in Wilmington, Delaware. In 2009, [(Wikipedia, "Farmers Insurance Group", 2025)](https://en.wikipedia.org/wiki/Farmers_Insurance_Group) reports that Farmers Insurance announced it would acquire 21st Century Insurance from AIG for $1.9 billion, making Farmers the third-largest personal lines insurer in the United States.

**Current policy information, checked October 31, 2026:** 21st Century's website provides a quote request and directs customers with questions about a Toggle-to-21st-Century policy migration to its help center. Its coverage disclosure names 21st Century Casualty Company and says coverage is available in California, subject to underwriting approval. Check your policy notices for instructions specific to your coverage [(21st Century Insurance, "California Car Insurance (accessed October 31)", 2026)](https://www.21st.com/).

## <a id="typesof"></a>What Kind of Insurance Does 21st Century Offer?

21st Century specializes in auto insurance for California drivers. [(LinkedIn, "21st Century Insurance", 2025)](https://www.linkedin.com/company/21st-century-insurance) describes the company as specializing in "customized auto insurance for each and every customer" and notes it is "a proud part of the Farmers Insurance Group of Companies."

For existing policyholders, 21st Century provides:

**Auto Insurance Coverages:**
- Liability insurance (bodily injury and property damage)
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Rental car reimbursement
- Classic car coverage (for antique vehicles)

[(U.S. News, "21st Century Car Insurance Review 2026", 2026)](https://www.usnews.com/insurance/auto/21st-century-car-insurance-review) notes that all car insurance policies include complimentary 24-hour roadside assistance, and rental vehicle reimbursement is available up to 30 days for covered accidents. Classic car insurance covers vehicles at least 19 years old.

**Complimentary Roadside Assistance:** [(21st Century Insurance, "Roadside Assistance", 2025)](https://www.21st.com/insurance-products/roadside-assistance.htm) states that 21st Roadside Assistance provides "24-Hour Roadside Assistance" at no additional cost, including towing, battery jump-starts, flat tire changes, lockout help, and emergency fuel delivery. Coverage is up to $75 per service call, with five service calls per vehicle per year.

### Homeowners Insurance Through Partners

While 21st Century auto insurance customers receive a 10% discount on homeowners insurance, [(Homesite Insurance, "21st Century Homeowners Insurance Program", 2026)](https://21st.homesite.com/default.asp) explains the homeowners insurance program is "underwritten by Homesite Insurance" and offers a "wide variety of Home insurance products." The company does not underwrite homeowners policies directly but partners with Homesite to serve its customers.

### Coverage Availability

The website's coverage disclosure names 21st Century Casualty Company as the auto insurer and limits availability to California. A quote request does not guarantee that a policy will be issued [(21st Century Insurance, "California Car Insurance (accessed October 31)", 2026)](https://www.21st.com/).

## <a id="howdoesitwork"></a>How Does 21st Century Insurance Work?

### For Existing Policyholders

21st Century operates primarily as a direct-to-consumer insurer. [(21st Century, "About Us", 2024)](https://www.21stcentury.com/about-us/) explains that "21st Century sells insurance directly to consumers like you, cutting out intermediaries like insurance brokers."

**Policy Management:** Existing customers can manage their policies through:
- Online portal at 21st.com
- Phone support
- Interactive Voice Response (IVR) system available 24/7

[(21st Century Insurance, "Contact a Representative", 2025)](https://www.21st.com/auto-insurance-information/contact-a-representative-at-21st-century-insurance.htm) provides the following contact information: "For your convenience, we have representatives available Monday to Saturday during regular business hours." Specific phone numbers include:
- Customer care: 1-800-241-1188
- Claims: 1-888-244-6163
- Auto sales (for existing quote inquiries): 1-800-807-9458

### Relationship with Toggle

The current 21st Century homepage describes a Toggle-to-21st-Century policy migration and links to a help center for affected customers. Follow your renewal or migration notice rather than assuming that every policy uses the same brand or account portal [(Ibid., "California Car Insurance (accessed October 31)", 2026)](https://www.21st.com/). You can also read our [Toggle insurance review](https://www.coveragecat.com/reviews/toggle-insurance-review).

### Claims Process

The official contact page provides links to report a claim and view its status. It lists 1-888-244-6163 for claims, available 24 hours a day, seven days a week. Contact details were checked October 31, 2026 [(21st Century Insurance, "Contact Us (accessed October 31)", 2026)](https://www.21st.com/contact-21st-century-insurance.htm#claimsservices).

## <a id="proscons"></a>Pros and Cons of 21st Century Insurance

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
      <li>Free 24/7 roadside assistance included with all policies</li>
      <li>Financial backing from Farmers Insurance Group</li>
      <li>Direct-to-consumer model eliminates broker fees</li>
      <li>Classic car coverage available</li>
      <li>Multiple discount opportunities</li>
    </ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
      <li>Only available in California</li>
      <li>Severe customer service issues with long wait times</li>
      <li>High NAIC complaint ratio</li>
      <li>Limited digital capabilities compared to competitors</li>
    </ul>
  </div>
</div>

## <a id="ratings"></a>Ratings and Customer Feedback for 21st Century Insurance

### Financial Strength

On August 1, 2025, AM Best affirmed an A (Excellent) Financial Strength Rating for listed Farmers Insurance Group members, including 21st Century Insurance Company and 21st Century Centennial Insurance Company. Check the legal underwriting company on your policy when comparing ratings [(AM Best, "AM Best Affirms Credit Ratings of Members of Farmers Insurance Group", 2025)](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36299).

### Complaint Data and Performance Metrics

[(California Dept of Insurance, "Automobile Complaint Composite Report", 2024)](https://www.insurance.ca.gov/01-consumers/120-company/03-concmplt/autocomposite.cfm) shows that in California's 2024 auto complaint report, 21st Century Insurance had 10 complaints and a complaint index of 13, ranking 43rd of 50 insurers. While this reflects some customer dissatisfaction, the company's complaint profile remains within moderate ranges compared to its peers.

### Overall Rating Scores

| Source | Rating | Key Finding |
|--------|--------|-------------|
| Better Business Bureau, as reported by MarketWatch | A+ business rating; not accredited | MarketWatch's April 8, 2026 review reports these details. The business rating is separate from customer stars [(MarketWatch, "21st Century Insurance Reviews and Ratings", 2026)](https://www.marketwatch.com/insurance-services/auto-insurance/21st-century-insurance-review/) |
| MarketWatch editorial score | 5.7/10.0 | Evaluates coverage, cost and discounts, industry standing, customer experience, and availability [Ibid.](https://www.marketwatch.com/insurance-services/auto-insurance/21st-century-insurance-review/) |

### Customer Reviews Summary

These sources describe different samples. The BBB figures below are the snapshot reported by MarketWatch in April 2026, not a current recount of BBB reviews. The insurer's own page features selected testimonials and does not establish an overall satisfaction score.

| Source | Published feedback | What it can tell you |
|--------|--------------------|----------------------|
| BBB reviews, as reported by MarketWatch | 1.09 out of 5 from 70 reviews | MarketWatch describes complaints about claims handling and rate increases. These customer stars are separate from BBB's business rating [Ibid.](https://www.marketwatch.com/insurance-services/auto-insurance/21st-century-insurance-review/) |
| 21st Century's testimonial page | Selected positive accounts; no aggregate score | Customers describe helpful service, website access, and claim support. The page includes an account of a November 2014 accident, so these testimonials should not be treated as evidence of current service [(21st Century Insurance, "Ratings and Reviews for 21st Century Insurance (accessed October 31)", 2026)](https://www.21st.com/auto-insurance-reviews-ratings) |

### Real Customer Reviews for 21st Century Insurance

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Roberta W., From Company Website</b></p>
    <p><a href="https://www.21st.com/auto-insurance-reviews-ratings"><span class="text-muted">via 21st Century Insurance</span></a></p>
  </div>
  <div class="column">
    <p>I have been with them for five years and instead of my rates going up like most companies my premium actually went down. This is the best insurance company I have ever had. If you want a company that cares for its customers I recommend 21st Century.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Anonymous (2023), via BBB</b></p>
    <p><a href="https://www.bbb.org/us/de/wilmington/profile/auto-insurance/21st-century-insurance-0251-22000073/complaints"><span class="text-muted">via BBB</span></a></p>
  </div>
  <div class="column">
    <p>Zero stars - I have been insured with 21st for over 20 years. In the last couple of years, there is no way to actually speak to a representative about a policy without waiting literally hours and hours on hold. They have no published email, tried to make policy changes online only to be presented a message that says I must speak to someone only nobody ever answers.</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Ron, via Consumer Affairs</b></p>
    <p><a href="https://www.consumeraffairs.com/insurance/21cent.html"><span class="text-muted">via Consumer Affairs</span></a></p>
  </div>
  <div class="column">
    <p>I got out of their website and tried calling them, I was on the phone for 1 hour and 30 minutes and no one would pick up the phone. I tried the next day from work during my lunch time but after 30 minutes I had to hang up since no one would answer my call. This has to be one of the worst customer service companies in America.</p>
  </div>
</div>

## <a id="support"></a>Get Customer Support for 21st Century Insurance

### Contact Information

**For Existing 21st Century Policyholders:**

[(21st Century Insurance, "Contact a Representative", 2025)](https://www.21st.com/auto-insurance-information/contact-a-representative-at-21st-century-insurance.htm) provides:

- **Customer Service:** 1-800-241-1188 (Monday-Friday: 9:00am-10:00pm ET; Saturday: 10:00am-9:00pm ET)
- **Claims:** 1-888-244-6163 (24/7)
- **Roadside Assistance:** 1-800-439-5587 (24/7)

**Mailing Address:** 
[(21st Century Insurance, "Mailing Addresses", 2025)](https://www.21st.com/contact-21st-century-mailing-addresses.htm) lists:
- Policy Correspondence: P.O. Box 15510, Wilmington, DE 19886-9252
- Overnight: 3 Beaver Valley Road, 4th Floor, Wilmington, DE 19803

**For New Insurance Seekers:**

The current 21st Century website has a state selector and quote request. Check eligibility and the named underwriting company before choosing a policy [(Ibid., "California Car Insurance (accessed October 31)", 2026)](https://www.21st.com/).

### How to Cancel 21st Century Insurance

To cancel a new policy, you can call 21st Century at 1-800-241-1188 before it goes into effect. Otherwise, you must send the request in writing by regular mail or fax.

**Cancellation Requirements:**
- Policyholder name
- Policyholder address
- Policy number
- Date of cancellation

**Fax Numbers:**
- California: 1-800-842-3057
- Outside California: 1-866-447-2611

## Should You Buy 21st Century Insurance?

If you are considering a quote, compare the same liability limits, deductibles, and optional coverages across insurers. Check the underwriting company and the support options you would use after a crash. Existing policyholders should also review any migration or renewal notice before changing coverage.

California drivers can [compare car insurance with Coverage Cat](https://www.coveragecat.com/intake). Keep your existing coverage active until any replacement policy takes effect.

## <a id="faq"></a>Frequently Asked Questions

### Is 21st Century Insurance a real insurance company?

Yes. The official website identifies 21st Century Casualty Company, a Farmers Insurance Group member, as the insurer for its California auto coverage. Match that legal company name to your quote or policy [(21st Century Insurance, "California Car Insurance (accessed October 31)", 2026)](https://www.21st.com/).

### Can I still buy 21st Century Insurance?

The official website provides a quote request. Its coverage disclosure limits availability to California and makes policy issuance subject to underwriting approval. Check your eligibility through the current site rather than relying on older statements that all new business goes to Toggle [Ibid.](https://www.21st.com/).

### How does 21st Century Insurance make money?

The underwriting company collects premiums in exchange for the coverage described in the policy. Claims and other expenses affect the insurer's underwriting results. Check your declarations page to identify the company responsible for your coverage.

### Is 21st Century Insurance the same as Toggle?

They are related insurance brands, but the brand name alone does not identify your underwriting company or account portal. The current 21st Century site directs customers with questions about a Toggle-to-21st-Century policy migration to its help center. Follow the instructions in your policy notices [Ibid.](https://www.21st.com/).

### What happened to 21st Century Insurance?

It continues to maintain an insurance website with quote, policy-service, and claims options. As checked on October 31, 2026, its homepage references a migration from Toggle to 21st Century. That notice does not establish that every customer's policy or coverage changed in the same way [Ibid.](https://www.21st.com/).

### Is 21st Century good insurance?

That depends on the coverage and price offered to you and the service you need. AM Best affirmed an A (Excellent) financial-strength rating for 21st Century Casualty Company in August 2025, but that is not a customer-satisfaction score [(AM Best, "AM Best Affirms Credit Ratings of Members of Farmers Insurance Group", 2025)](https://news.ambest.com/PR/PressContent.aspx?altsrc=2&refnum=36299). Compare matching limits and deductibles, review recent claims experiences, and confirm how to contact support. California drivers can [compare car insurance with Coverage Cat](https://www.coveragecat.com/intake).

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