Founded in 1958, 21st Century Insurance is now part of the Farmers Insurance Group of Companies. The company offers auto insurance exclusively to residents of California.

21st Century markets itself as a low-cost car insurance provider but includes free perks with its policies, like roadside assistance at no additional premium.

Although 21st Century is just one part of Farmers Insurance Group, the group as a whole has 4.76% of the private passenger auto insurance market share in the country, according to the National Association of Insurance Commissioners (NAIC) 2022 report. That makes Farmers the 7th-largest car insurance company in the nation.

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Types of coverage available from 21st Century

  • Auto
  • Antique auto insurance
  • Homeowners
  • Renters
  • Manufactured home
  • Specialty homeowners (seasonal home, landlord, rental, etc.)
  • Flood Insurance
  • Motorcycle
  • ATV
  • Boaters Insurance
  • Personal watercraft
  • RV – recreational and utility trailers and motor homes
  • Personal umbrella

Offerings can vary by state.

21st Century auto insurance discounts

  • Anti-lock brake system discount:  If car is equipped with anti-lock brakes can receive a discount of 5% on bodily injury liability and property damage liability coverages.
  • Anti-theft device discount: If your car is equipped with an active anti-theft device you can receive a discount of 5 percent off your comprehensive coverage.
  • Air bags / automatic seat belt discount:  If your car is equipped with airbags and seat belts that lock in place without assistance, you obtain a savings of up to 30 percent.
  • Driver training discount:  Drivers under the age of 21 who complete a state-approved driver training course are entitled to a 10 percent discount on bodily injury, property damage, medical payments, personal injury protection (PIP) and collision coverages. (New York and Texas have special requirements,  and the discount is not available in California, Michigan or North Carolina).
  • Teen driver discount: Applied may be applied to licensed single drivers under the age of 19. Driver must be a child/grandchild of the primary named insured that meet eligibility requirements.  Primary named insured must have a policy in force for 24 months.
  • Good student discount:  Applies for drivers under the age of 25 with "B" or better grade average.
  • Away at school discount: Available to unmarried student that resides with policyholder but is away at a school more than 100 miles away.
  • Defensive driver discount: Only one primary driver needs to take the course, then the discount will be applied to all vehicles on the policy, regardless of the number of drivers that take the course. Valid for 36 months. (Bodily Injury/Property Damage/Personal Injury Protection)
  • Multi-car discount: Applies if you have two or more vehicles insured on the same 21st Century Insurance policy.  Savings can be up to 30 percent.
  • Early shopping discount:  Applies if the named insured purchases a policy seven or more days prior to the named insured's current policy effective date, provided there has been no lapse in coverage.
  • Mature driver discount: Applies if you are 55 years old or older and have successfully completed a course recognized by the state's Department of Motor Vehicles or Licensing in the past three years.
  • New car credit: A one-term discount applied to vehicles with a model year greater than or equal to current year. Credit removed upon first renewal.
  • Alternative fuel discount: Applies when the original factory installed vehicle fuel type is electric and gasoline hybrid, electric, ethanol fuel only, methanol gas only, compressed natural gas or propane. (Colorado)
  • Auto-homeowner policy discount:  Applied to auto policy if the person named on the policy, or their spouse, is also the person named on a Farmers Insurance homeowners policy.
  • Auto-renter policy discount:  Applied to auto policy if the person named on the policy, or their spouse, is also the person named on a Farmers Insurance renters policy.
  • Auto-specialty policy discount:  Applied to auto policy if the person named on the policy, or their spouse, is also the person named on a Foremost Specialty policy.
  • Auto-life policy discount: Applied to auto policy if the person named on the policy, or their spouse, is also the person named on a Farmers Insurance life policy.
  • Transfer discount:  Applies when the primary named Insured has prior insurance with no lapse in coverage from certain standard carriers as determined by the company.
  • Group (occupation) discount: Applies when the primary named Insured is employed with or retired from a company-approved occupation group
  • Early shopper discount:  If you purchase your policy  seven days or more before your current policy expires, you can save through 21st Century's early shopping discount.
  • Paid in full discount:  Discount for paying for policy upfront.
  • Non-smoker & non-drinker discount (Idaho):  If you're from Idaho and don't smoke or drink, you may be eligible for 21st Century's non-smoker and non-drinker discount.
  • Response Rating discount
  • Safe driver/safe boater discount
  • Payment method discount:
  • Sponsored marketing discount
  • Claims-free discount
  • Affinity group discount
  • Military discount

Offerings can vary by state.

See Similar Companies

Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

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