21st century

Car Insurance
21st Century car insurance company is a subsidiary of the Zurich Insurance Group and it provides auto insurances to all states of the country barring Massachusetts and Hawaii.
out of 599 user reviews

Insurance Coverage

Known for extremely affordable car insurance premiums, this is one of the most popular auto insurance options that offer free roadside assistance to every covered vehicle. Although there are no agents or brick and mortar stores where you could enquire about 21st Century car insurance quotes or buy one. 
If it is cheap car insurance that you are looking for, 21st Century seems to be the right option for you. 

21st Century offers the standard coverages as offered by any other car insurance company in the US. The insurance coverage offered by the company include bodily injury liability, medical coverage, personal injury protection, uninsured motorist coverage, comprehensive coverage against all physical damages, property damage liability, and collision coverage.

The coverage amount for each of the coverages would vary by the state. However, on an average, the coverage amounts are:

  • Bodily injury liability coverage - $15,000 per person of $30,000 per accident minimum
  • Uninsured motorist bodily injury coverage - $15,000 per person of $30,000 per accident minimum
  • Property Damage liability coverage - $5,000 minimum
  • Uninsured motorist property damage coverage - $3,500 minimum

The figures mentioned above are for the state of California.

Coverage Options

Apart from the general coverages, there are some special coverage options that are offered by 21st Century.  These are:

Towing/labor chargesThis coverage pays for the labor charges on site or towing services if the damaged vehicle has to be towed to the nearest repair station. However, this coverage would be applicable on damaged sustained by vehicles that are covered under comprehensive or collision coverage only.

Gap coverage This coverage pays the difference between the actual cash value of the vehicle and the outstanding indebtedness on the vehicle. This coverage is applicable in some states only.

In terms of special coverage options, 21st Century is not at par with its competitors who offer a wider number of special coverages along with their auto insurance policies.


As already mentioned, the primary reason behind people going for 21st Century car insurance policies is the low rates of the premiums. If the 21st Century Car insurance reviews are to be taken into consideration, the estimated monthly premium comes to about $90 only, which is $40 to $60 less expensive than the average premiums charged by other auto insurers. The estimated 6-month lump sum premium value is about $544 which is again $200 to $299 less expensive than the national average.

There are a number of discounts which are offered by 21st Century auto insurance company to its customers. While the availability of discounts vary by the states, on the whole the discounts that are offered by the company include the following

  • Defensive driving course discounts
  • Anti-lock brakes discount
  • Good student discount
  • Internal safety features discount
  • Multi-vehicle policy discount
  • Safe driving record discount
  • Young driver training discount

The total number of discounts that are offered by 21st Century car insurance company is more or less similar to what is being offered by other players in the market. In terms of discounts, the company does not make any special impact in the buyer’s minds.

Customer Satisfaction

Customer Satisfaction Rating: 
out of 599 user reviews

Although the insurer makes it really affordable when it comes to matters of premium amount, it does not fair too well in terms of customer satisfaction. On a scale of 1 to 5, 21st Century auto insurance would get about 3.6 and nothing more than that.  The rating is derived basis the various factors that affect customer satisfaction. Individual ratings for these factors are given below.

  • Ease of setup – 8.4
  • Premium affordability – 7.1
  • Discount satisfaction – 6.7
  • Customer service – 7.0
  • Claims process – 6.4

The average customer satisfaction rating of the insurer is significantly poor as compared to the average customer satisfaction ratings of its competitors or other insurance companies that operate in the market.

Financial Stability

Financial Stability Rating: 
out of 599 user reviews

The financial stability rating that can be given to 21st Century Car insurance is 4.1, which is slightly less than the average financial stability ratings of other auto insurance providers. However, the company being a subsidiary of the Zurich Insurance Group which has an estimated asset value of $382 billion, has total net worth better than the national average of $102.5 billion for the large providers of auto insurance in the country.


Basis the various 21st Century car insurance reviews and ratings for different parameters, it is clear that this is the insurance option for those who need to cover their car to comply with the state laws. If you are confident that you will not need to claim the insurance or get in touch with their customer service team quite often, this insurance company can be the right choice as it will not burn a hole in your pockets as you pay the insurance premium for your car.

Survey Review Data

Contact Info

General Phone Number: 
Customer Service Phone: 

21st Century Insurance
3 Beaver Valley Road
Wilmington, DE 19803

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The above word, PIP is related with a type of insurance or can be called as a personal medical protection to those peoples who have this. PIP, stands for personal injury protection auto insurance or personal insurance protection.

If someone have a vehicle like car, bus, van, jeep, motorbike, scooter etc. than he/she must have to insure your vehicle under any insurance policy. Any insurance company just assured you to get the coverage of your vehicle at the time of damage due to certain reasons of occurring accident.

Many coverages are there in insurance policies, but not any other issues can be covered through that particular policy. So, for that the other types of issue of damage or accident there is a comprehensive auto insurance covers. What is comprehensive insurance?