21st century

Car Insurance
Low premium or cheap car insurance seekers will find the 21st century car insurance to be one of the best options. This company is famous for offering low premium insurances which helps car owners save on monthly premiums.
out of 599 user reviews

Insurance Coverage

The company offers standard insurance coverage. All standard features like bodily injury, medical cover, physical damage liability, personal injury protection, uninsured motorist cover, uninsured motorist property damage cover and many such things are already there.

As per each state, the cover will vary as the automobile rules also vary. In the state of California, the cover is:

  • Bodily injury liability and Uninsured motorist bodily injury cover both gives $15000 per person and $30000 per accident.
  • $5000 minimum as property damage cover
  • $3500 minimum as uninsured motorist damage cover

Coverage Options

The general covers which you get from the 21 st century car insurance company are:

Towing or Labor charges - if your vehicle meets an accident, and needs to be taken to the nearest service station for towing, then you will get the cover for the labor required for the servicing of the car, or for taking the car to the nearest service center by towing. However, this cover is only available to cars which are covered with collision and comprehensive cover.

Gap insurance - a gap cover pays for the difference amount between the actual price of the vehicle, and the outstanding debt on the vehicle. But this cover is not available in all the states.

The 21st-century car insurance is not in line with all other leading insurance providers in the market, and there are considerable differences between the list of covers provided by the company when compared to other leading cheap car insurance providers.


The insurance policies by 21st-century car insurance are preferred only for this reason that, they are one of the cheap insurance providers in the market, and their premium rates are quite low. In fact, this has been compared in the review by sketching a hypothetical situation, where a sedan user of 30 years will be paying almost $40 to $60 less than the other companies, and the premium per month for this insurer will be $90. When the amounts are joined in a row for 6 months, then the 6 months premium is estimated to be $544, with the savings cumulating to $200 to $299 over this time.

This shows the economic significance of the policy, and why the affordability of 21st-century car insurance is high. On top of that there are some gala discounts on many covers of the insurance, and as per the availability in different states, these discounts do apply when one is buying their cover. The discounted covers are:

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

These discounts are similar to the discounts given by many other insurance providers and do not differentiate 21st century covers specifically.

Customer Satisfaction

Customer Satisfaction Rating: 
out of 599 user reviews

The premium amounts although low, the customer satisfaction rating of 21st-century insurance is not much high. The rating for customer satisfaction is just 3.6 on a scale of 5. Although the company scores well in giving low premiums rates, it yet has to improve in the customer dealing segment.

Survey Review Data

Financial Stability

Financial Stability Rating: 
out of 599 user reviews

The financial stability for 21st Century car insurance is an impressive 4.1 on a scale of 5. This shows that the company has a good working and response on settling claims. 21s century insurance is a subsidiary of Zurich Insurance group, which has $282 billion of asset value. Therefore the stability of the company is quite high.


  • Good financial stability

  • Low rate of premiums


  • Not many extra covers provided

  • Customer satisfaction rating is poor

Contact Info

General Phone Number: 
Customer Service Phone: 

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

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