21st Century vs. Farmers Auto Insurance in 2025 (Side-by-Side Review)

21st Century Auto Insurance

344 reviews

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3.6

Company Facts

Min. Coverage

$64/mo

A.M. Best Rating

A

Complaint Level

High

Pros & Cons

• Competitive full coverage rates for California drivers
• Includes complimentary roadside assistance for policyholders
• Specializes in SR-22 filings for high-risk auto insurance

• Limited availability outside of California state
• Higher rates for liability-only insurance policies

» 21st Century Auto Insurance Review

344 reviews

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Farmers Auto Insurance

3,072 reviews

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4.2

Company Facts

Min. Coverage

$76/mo

A.M. Best

A

Complaint Level

High

Pros & Cons

• Extensive Coverage
• Discount Options
• High Customer Service Ratings
• UBI Discount

• High Premiums
• Limited Discounts
• Slow Claims

» Farmers Auto Insurance Review

3,072 reviews

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Unlock savings on 21st Century vs. Farmers auto insurance. Both companies appeal to cost-conscious drivers who need reliable coverage.

21st Century vs. Farmers Auto Insurance Rating

Rating Criteria
Overall Score	3.6	4.3
Business Reviews	3.0	4.0
Claim Processing	3.0	3.3
Company Reputation	3.0	4.5
Coverage Availability	4.6	5.0
Coverage Value	3.2	4.1
Customer Satisfaction	4.0	2.0
Digital Experience	3.5	4.5
Discounts Available	5.0	5.0
Insurance Cost	4.0	4.3
Plan Personalization	3.0	4.5
Policy Options	2.8	5.0
Savings Potential	4.3	4.5
	21st Century Review	Farmers Review

Farmers is actually the parent company of 21st Century. 21st Century Insurance Company only sells auto insurance in California, sometimes under the Toggle brand, but all policies are underwritten by Farmers Insurance Group. Learn more in our 21st Century auto insurance review.

Farmers policyholders using the Signal app automatically earn a 5% discount when they enroll and save up to 15% at renewal based on driving habits.

21st Century auto insurance is competitive in California, but if you live in any other state, consider Farmers car insurance. Find affordable auto insurance near you by using our free quote comparison tool.

How 21st Century vs. Farmers Auto Insurance Rates Compare

This table shows how age and gender change the monthly costs between 21st Century and Farmers auto insurance. Teen drivers pay the most, with monthly rates of $304 with 21st Century and $452 with Farmers.

21st Century vs. Farmers Auto Insurance Monthly Rates by Age & Gender

Age & Gender
16-Year-Old Female	$304	$452
16-Year-Old Male	$304	$452
30-Year-Old Female	$70	$87
30-Year-Old Male	$73	$91
45-Year-Old Female	$64	$76
45-Year-Old Male	$64	$76
60-Year-Old Female	$59	$68
60-Year-Old Male	$61	$72

As drivers age, their insurance rates tend to decrease significantly. Overall, 21st Century gives lower premiums in all categories to California drivers, while Farmers is one of the more expensive national providers.

Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$64	$159
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$50	$150
	$47	$123
	$53	$141

For full coverage, State Farm offers the lowest rate at $123, while Liberty is the highest at $248. 21st Century remains competitive with rates of $64 for minimum coverage and $159 for full coverage, outpacing Farmers, which offers $76 for minimum coverage and $198 for full coverage auto insurance.

Choosing wisely means finding a balance between the amount you pay for insurance and the type of protection you truly need, while also taking into account your driving history. With a clean record, 21st Century gives a $64 monthly rate, which is $12 cheaper per month than Farmers.

21st Century vs. Farmers Auto Insurance Monthly Rates by Driving Record

Driving Record
Clean Record	$64	$76
One Accident	$91	$109
One DUI	$110	$105
One Ticket	$74	$95

However, if you were involved in an accident or received a ticket, 21st Century still beats Farmers by up to $18 a month. Farmers has cheap auto insurance after a DUI at $105 per month compared to 21st Century’s $110 a month, which is the only time it’s slightly more affordable.

Coverage Options With 21st Century vs. Farmers Auto Insurance

For the most part, 21st Century and Farmers offer the same types of auto insurance. This includes liability, comprehensive, collision, uninsured motorist, and medical payments coverage. Farmers vs. 21st Century also offers accident forgiveness, gap insurance, rental reimbursement, and original equipment and custom parts coverage.

However, due to California state laws, Farmers includes more flexibility and additional features with its wider policy packages available in other states:

• Usage-Based Auto Insurance (UBI): Track driving behaviors with Farmers Signal and save up to 15% a year. Learn how it works in our Farmers Signal review.
• Rideshare Auto Insurance: If you work for Uber, Lyft, or another type of rideshare or delivery service, Farmers will cover the gaps in your company’s policy.
• Personal Umbrella Policy: Drivers can add this to increase their liability policy limits to cover increased medical bills and legal fees.

In California, many UBI discounts are not available due to the state’s strict digital privacy laws. While you can still use its features to track driving habits, California drivers will not see any UBI savings from 21st Century or Farmers.

Both insurance companies provide drivers with the basic coverage they need. However, Farmers offers additional features that might attract those who want more sophisticated protection options.

21st Century vs. Farmers Auto Insurance Discounts

If you arrange discounts smartly, Farmers gives bigger savings for good drivers (30%) and those with accident-free histories (20%). Find out which insurer delivers the best auto insurance discounts tailored to your driving habits.

21st Century vs. Farmers Auto Insurance Discounts

Discount Type
Accident-Free	15%	20%
Anti-Theft	15%	10%
Auto-Pay	5%	5%
Bundling	20%	20%
Defensive Driving	10%	10%
Good Driver	20%	30%
Good Student	15%	15%
Low Mileage	10%	10%
Multi-Car	25%	20%
Paperless	3%	3%
Pay-in-Full	10%	10%
Safe Driver	20%	20%

However, the 21st Century is better if you have multiple cars because they offer a 25% discount. Both companies share a similar approach to bundling services, rewarding defensive driving, and requiring full payment upfront. Compare, mix, and match options that suit your lifestyle and driving habits.

21st Century vs. Farmers  Customer Reviews and Ratings

Here is how Farmers vs. 21st Century insurance customer service compares. 21st Century has a strong financial rating of A from A.M Best, but also has a NAIC score of 2.85, which indicates a higher number of complaints.

Insurance Business Ratings & Consumer Reviews: 21st Century vs. Farmers

Agency
	Score: 865 / 1,000 Above Avg. Satisfaction	Score: 706 / 1,000 Avg. Satisfaction
	Score: A+ Excellent Business Practices	Score: A Good Business Practices
	Score: 72/100 Avg. Customer Satisfaction	Score: 82/100 High Customer Satisfaction
	Score: 2.85 More Complaints Than Avg.	Score: 1.32 More Complaints Than Avg.
	Score: A Excellent Financial Strength	Score: A Excellent Financial Strength

Farmers auto insurance reviews are better, with an 82/100 rating from Consumer Reports, and has fewer complaints at 1.32, also with stable financial support. J.D. Power ranks them below 21st Century in terms of satisfaction, however.

This Reddit post shares a user story about switching from Geico to Farmers for home and auto insurance because the rates were cheaper. However, even with good prices, the user feels annoyed by the provider’s old-fashioned ways of communication. Compare more in our Farmers vs. Geico auto insurance review.

How 21st Century vs. Farmers Auto Insurance Stacks Up

21st Century is a strong provider in California, offering affordable rates and competitive discounts. However, as a smaller company, it lacks some of the policy features that larger companies like Farmers can offer.

Farmers hold 2.80% of the auto insurance market, which is three times more than 21st Century’s small share of 0.90%. The data shows not only a difference in numbers, but also a power balance where both companies, especially 21st Century, act as small players in a very crowded market. That’s why it’s always important to compare car insurance rates from at least two or more companies before you buy auto insurance online.

Farmers offers an advantage to drivers seeking more detailed policy features, such as Signal-based safe driving rewards and options for better bundling. It offers a 30% discount for good drivers and a 20% discount for those with accident-free records.

On the other hand, 21st Century provides lower base rates across almost all age groups and has notable savings with its 25% multi-vehicle discount. While 21st Century insurance might be attractive to families with several cars and a limited budget, Farmers could better suit those who are tech-savvy. Compare auto insurance quotes by entering your ZIP code to find the best company near you.