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Taylor Milam-Samuel is an experienced insurance writer for Compare.com. A credentialed educator, Taylor is passionate about personal finance and understanding how people manage their money. You can find her work across several trusted insurance and personal finance sites, including U.S. News & World Report, Business Insider, Credit Karma, Insurify, and more.
Taylor has been writing for Compare.com since 2025.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $131/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $229/mo |
Drivers appreciate the company's excellent service for families but dislike the unprofessional customer support and issues with incorrect vehicle coverage.
Drivers appreciate the company's excellent service for families but dislike the unprofessional customer support and issues with incorrect vehicle coverage.
21st Century may still be a good fit if you’re an existing customer who wants basic coverage at a competitive rate. But you can’t get new policies from the brand, and the recent transition to Toggle has been confusing for some customers.
Straightforward, no-frills coverage options
Free roadside assistance coverage
Solid coverage for classic and antique cars
Not the cheapest option
Low customer satisfaction rating
Higher-than-average number of customer complaints[1]
Farmers bought 21st Century in 2009, and the customer experience has changed since it was a stand-alone company.
One of the biggest shifts happened more recently, when the 21st Century transitioned to Toggle, a new Farmers brand. The move introduced major updates to coverage, new pricing, and digital-first customer service.
Whether you’re deciding if sticking around with 21st Century is worth it or if you should explore other options, you can compare car insurance rates to see how it stacks up to other insurers. Here’s what existing customers need to know.
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Compared to other car insurers, 21st Century earns below-average ratings based on performance across five key categories, each on a scale of 1 to 5.
Here’s a breakdown of 21st Century’s scores for each category.
Category  | Score |
|---|---|
| Cost | 2.7/5 |
| Customer satisfaction | 2.7/5 |
| Policy management | 2.6/5 |
| Availability | 3.7/5 |
| Industry reputation | 4.3/5 |
| Overall Score | 2.78/5 |
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of thousands of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s propriety Compare.com Rating, which highlights its overall standing among the industry’s best companies.
Score the best car insurance rates for your driving profile.
|  |  |  |  |  |
|---|---|---|---|---|---|
Average Premium Prices based on average across state-minimum and full coverage car insurance $180/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $162/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $0/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $116/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $137/mo* | Average Premium Prices based on average across state-minimum and full coverage car insurance $83/mo* |
Overall Rating 3.6 | Overall Rating 4.2 | Overall Rating 0.0 | Overall Rating 4.0 | Overall Rating 3.2 | Overall Rating 3.9 |
Value 4.1/5 | Value 3.8/5 | Value 0.0/5 | Value 4.2/5 | Value 3.3/5 | Value 4.1/5 |
Customer Service 2.7/5 | Customer Service 4.3/5 | Customer Service 0.0/5 | Customer Service 4.3/5 | Customer Service 3.7/5 | Customer Service 4.4/5 |
Claims Handling 3.4/5 | Claims Handling 4.0/5 | Claims Handling 0.0/5 | Claims Handling 3.9/5 | Claims Handling 3.3/5 | Claims Handling 4.0/5 |
Special Highlight N/AAI-generated from 3 user reviews | Special Highlight N/AAI-generated from 55 user reviews | Special Highlight N/AAI-generated from 0 user reviews | Special Highlight N/AAI-generated from 238 user reviews | Special Highlight N/AAI-generated from 266 user reviews | Special Highlight N/AAI-generated from 292 user reviews |
21st Century earns a strong score for industry reputation, reflecting solid financial strength. It stands out with no-frills coverage and free roadside assistance. It also offers coverage for classic and antique cars, which can be tricky to find with major insurers. You can also qualify for generous discounts if you’re a good student, a good driver, or have an anti-theft device.
Since Farmers acquired the company, customers have weathered numerous changes and challenges. The 21st Century brand no longer exists as an insurance option for new customers, and Farmers is actively transferring existing customers to other brands like Toggle.
Customer complaints are notably higher than average, and overall customer satisfaction ratings are low. The insurer’s scores reflect issues with pricing, limited discounts, and the lack of a mobile app for convenience.
We recommend checking out auto insurance reviews from current and past customers to decide whether a company is right for you. The following reviews are from real Compare.com customers who have or have had coverage with 21st Century or Toggle.
Farmers owns 21st Century and Toggle as separate brands within the same insurance group. The branding, claims, and coverage options differ, but the company behind both brands is the same. It’s surprisingly common for companies to own distinct brands that appear separate.
Unlike 21st Century, Toggle operates almost entirely online. You can contact the company by email, phone, or chat, but you won’t find in-person agents or offices.
Many long-term Century 21st customers report that the switch to Toggle is noticeable — especially when it comes to pricing. Several customers report frustration with sharp pricing increases and long customer service wait times.
Car insurance rates are personal. Even if you have the same car insurance company as a friend, chances are you’re both paying different rates. That’s because insurers use your driving history, location, age, and other factors to determine your monthly premium.
21st Century isn’t the cheapest car insurance option, but it’s also not the most expensive. The following table shows the average cost of a full-coverage policy from 21st Century for various driver types, according to Compare.com data.
Driver Type | Average Monthly Premium |
|---|---|
| All drivers | $229 |
| Teens | $415 |
| Seniors | $163 |
| Recent ticket | $304 |
| Recent accident | $305 |
| DUI conviction | $333 |
| Excellent credit | $214 |
| Bad credit | $278 |
Protect your car and your wallet.
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21st Century has basic insurance coverage options, including liability-only and full-coverage insurance. While the company sticks to the essentials, one notable perk is that every policy includes free roadside assistance. It’s a standout perk that you won’t find from most insurance companies.
Here’s a breakdown of the coverage details from 21st Century:
Bodily injury liability: This state-mandated coverage helps cover medical expenses for the other person when you cause an accident.
Property damage liability: You must have this coverage to meet the requirements for minimum liability coverage. It pays for the other driver’s vehicle repairs when you’re at fault.
Collision: With this coverage, your car insurance company helps pay for vehicle repairs if you’re involved in an accident or hit an object.
Comprehensive: When something other than a collision — such as weather events or theft — damages your car, this coverage helps pay for the necessary repairs.
Uninsured/underinsured motorist: This coverage helps pay for your car repairs when another driver causes an accident and doesn’t have adequate coverage.
Rental car reimbursement: You can add rental car reimbursement to help pay for a rental vehicle while you have an active claim.
Classic and antique cars: Cars that are at least 19 years old might qualify for classic and antique car insurance. The car must be in good or restored condition and used as a hobby vehicle.
21st Century offers just six discounts, which is fewer than what many larger car insurance companies provide. But the good news is that the company is up front about the exact amount you can save, and many of the discounts can lead to meaningful savings.
Here’s a closer look at your options:
Good driver: You can save 20% or more if you don’t have speeding tickets or accidents for three years.
Superior driver: If you keep your clean driving record for four or five years, you can save an extra 10% to 20%.
Good student: Drivers younger than 25 years old who maintain a grade point average of at least a “B” can save 15%.
Mature driver: If you’re aged 55 or older and complete a defensive driving course, you can get a 2% discount.
Multi-car: 21st Century offers a discount for households with more than one car on the same policy. But the exact amount varies.
Anti-theft: Cars with up-to-date security systems might qualify for a discount of up to 15%.
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You can file a 21st Century insurance claim online or over the phone through HelpPoint, Farmers’ claim system. The claims process is relatively straightforward, especially once the company assigns you a representative.
But 21st Century falls short when it comes to technology. The company doesn’t offer a mobile app for filing or managing claims — a feature increasingly standard among major insurers. The lack of an app is notable, especially since Farmers has a highly rated one.[2]
Let’s take a look at what you can expect when you file a claim with 21st Century.
Contact 21st Century. Call 1 (888) 244-6163 or start a claim online using your phone number or policy number.
Work with a representative. 21st Century assigns a claims representative to handle your claim until completion.
Rental car coverage. Your representative will verify your rental car coverage and work with a nearby company to arrange a rental.
Complete the inspection. Before any repairs can begin, 21st Century will complete an appraisal or inspection of the damage.
Here are answers to some of the most common questions about 21st Century auto insurance, including the company’s connection to Farmers.
Our team gives 21st Century a rating of 2.78 out of 5. It’s one of our lowest-rated insurers and isn’t one of our picks for best car insurance companies.
Farmers owns 21st Century Insurance. You can’t get new policies from 21st Century, but depending on your state, you can get coverage from Farmers or Toggle.
No. 21st Century is a subsidiary of Farmers Insurance. Although Farmers owns the company, coverage options and other details are different.
Farmers Insurance owns 21st Century Insurance and no longer sells car insurance policies using the brand’s name. Existing customers can still access their accounts on the 21st Century website, but new customers have to use Gettoggle.com.
Yes. 21st Century now operates under the Toggle brand in California. Farmers owns both brands, but you have to use the Toggle website to get quotes.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Taylor Milam-Samuel is an experienced insurance writer for Compare.com. A credentialed educator, Taylor is passionate about personal finance and understanding how people manage their money. You can find her work across several trusted insurance and personal finance sites, including U.S. News & World Report, Business Insider, Credit Karma, Insurify, and more.
Taylor has been writing for Compare.com since 2025.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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