How Much Does 21st Century Car Insurance Cost?

Choosing the right car insurance provider can feel overwhelming. If you're considering California-based 21st Century Insurance, understanding its pricing structure will help you decide if it aligns with your needs. However, we recommend gathering quotes from several providers to ensure you're securing the best value and saving money on your car insurance.

21st Century car insurance pricing per month

Full-coverage car insurance from 21st Century costs $250 per month on average. Drivers who choose minimum liability-only coverage can expect to pay around $140.

Keep in mind these are average figures. Your personal rate may differ significantly depending on your age, where you live, your credit score, and your driving record. While your actual 21st Century rate might not match these numbers exactly, they provide a useful benchmark when shopping around.

	21st Century average monthly cost	National average monthly cost
Full coverage	$250	$186
Liability-only	$140	$104

21st Century's rates versus other car insurance providers

Each insurer evaluates risk differently and offers unique discount structures, which means pricing varies considerably. Comparing quotes allows you to see where 21st Century fits within your specific circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
21st Century	$250	$140

21st Century's rates by age

Age plays a major role in how 21st Century calculates premiums. Car insurance for teen drivers carries the highest cost, with full-coverage policies averaging $451 monthly.

Rates generally decrease as you move through your 20s, where 21st Century charges around $321 on average. The downward trend continues into your 30s at $246 per month and into your 40s at $235.

The most favorable rates typically appear during your 50s and 60s, with average monthly costs of $204 and $178, respectively.

Once you reach your 70s, expect premiums to climb back up to approximately $187 per month. This pattern demonstrates how insurance companies view risk across different life stages.

Age group	21st Century average monthly full coverage cost	National average monthly cost
Teens	$451	$360
20s	$321	$242
30s	$246	$199
40s	$235	$191
50s	$204	$177
60s	$178	$159
70s	$187	$162

21st Century's rates for high-risk drivers

Drivers with traffic violations or accidents on their record face higher premiums with 21st Century. High-risk drivers who have received a speeding ticket typically pay $339 monthly, while an at-fault accident on your record means rates around $341 per month.

The financial impact of a DUI is particularly significant, with average monthly premiums reaching $370. While these numbers reflect standard pricing for high-risk profiles, your actual cost will vary based on when the incident occurred and your other risk factors.

Driving record	21st Century average monthly full coverage cost	National average monthly cost
Accident	$341	$249
Speeding ticket	$339	$241
DUI	$370	$275

FAQs

Is 21st Century Insurance only available in California?

The short answer is mainly, yes, it is only available in California. Operating through Farmers, 21st Century Insurance is also available in some parts of Hawaii.

Can I still get good driver discounts with 21st Century as an existing policyholder?

Existing 21st Century policyholders can still qualify for the company's superior driver discount, which offers savings between 10% and 20% for maintaining a clean driving record for four or more years. California drivers can also benefit from the good driver discount for those who go ticket-free for at least three years, potentially saving 20% or more.

What makes 21st Century's roadside assistance different from other insurers?

21st Century Insurance automatically includes complimentary roadside assistance with all eligible auto policies at no extra charge, which isn't standard practice across the industry. This 24-hour service covers towing, lockout assistance, and emergency roadside help for each insured vehicle. However, policyholders who already have AAA or OnStar memberships are not eligible to receive this benefit.

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Bottom line

Should you choose 21st Century Insurance as your car insurance company? The most reliable approach is requesting quotes from 21st Century and competing insurers, then evaluating them on both cost and quality of service.

Data throughout provided by Insurify.

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