Our take

21st Century Insurance has been part of Farmers Insurance Group since 2009, and now sells policies under the Toggle brand. It presents itself as a more modern take on the insurance process than Farmers, which follows the captive agent system.

Toggle might be a good choice if you are looking for an online option that's flexible and offers direct, online service, but still want the financial backing of a major company.

Pros:
  • Backed by financially stable Farmers Insurance Group
  • Online access through Toggle website
Cons:
  • Not available in all states

Overview

Founded in 1958, 21st Century Insurance has been part of the Farmers Insurance Group of Companies since 2009. Farmers recently rebranded 21st Century policies to its Toggle brand. Toggle offers car insurance in 14 states.

As part of Farmers, it enjoys the backing of an AM Best.

States where 21st Century offers coverage

21st Century is now part of the Toggle brand, which offers car insurance in 14 states.

  • Arizona
  • California
  • Colorado
  • Georgia
  • Illinois
  • Indiana
  • Missouri
  • Ohio
  • Oregon
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Wisconsin

What does 21st Century car insurance cover?

21st Century, as Toggle offers a full range of insurance policies to meet most drivers needs.

All primary car insurance coverage options are available:

Additional coverage offerings:

  • Roadside assistance
  • Alternative transportation/rental reimbursement
  • Pet Passenger pet injury coverage
  • Toggle On Side Hustle business use coverage

How much is 21st Century car insurance?

As 21st Century completes the transition to Toggle, rates are not yet available through our data service, Quadrant Information Services.

21st Century auto insurance discounts

  • Good driver discount. This discount applies to drivers without tickets or accidents in the past three years and can save you 20% or more.
  • Superior driver discount. Drivers with an even longer record of safe driving can save more on top of the good driver discount, with additional discounts at four and five years. Savings are 10% - 20%.
  • Good student discount. Students under the age of 25 with a B average or better can earn an average discount of 15%.
  • Mature driver discount. Drivers 55 or older can save with a defensive driving course. This discount averages 2%.
  • Multi-car discount. Earn a discount when you insure more than one vehicle.
  • Anti-theft discount. An anti-theft device can save you an average of 15%.

Offerings may vary by state.

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