What Discounts Does 21st Century Offer for Auto Insurance?
Last Updated on February 5, 2026
21st Century Insurance offers a wide range of auto insurance discounts, but eligibility and savings vary by state, driver profile, and vehicle. The best way to lower your rate is to confirm which discounts apply to you at quote time—and then verify they’re listed on your policy documents after you buy.
Some discounts are tied to your driving history, others to your car’s safety features, and others to how you set up your policy (multiple cars, multiple drivers, bundled products, and more). Below is a clear breakdown of the most common discounts 21st Century advertises, plus a few “sometimes available” discounts worth asking about.
- Discount Availability Varies by State: The same discount name can have different eligibility rules depending on where the policy is written.
- Clean-Record Discounts Can Stack: Longer violation-free periods may qualify you for stronger “safe driver” tiers in addition to standard discounts.
- Documentation Often Matters: Student, course-completion, and vehicle feature discounts may require proof to be applied correctly.
- Verify Discounts After You Buy: Review your declarations page and request corrections quickly if expected discounts are missing.
How 21st Century Insurance Discounts Work
Most insurers apply certain discounts automatically when you qualify, while others require documentation (like proof of grades or a course completion certificate). Also, discount names and rules can vary by state due to different rating laws and underwriting guidelines.
Quick tip: After you start a policy, review your declarations page to confirm every discount you expected is listed. If something is missing, contact the insurer right away—many discounts can be added mid-term with proof.
Common 21st Century Car Insurance Discounts
The table below covers discounts commonly associated with 21st Century auto insurance. Not all discounts are offered in every state, and some may require additional verification.
| Discount | Who It’s For | Typical Requirements | What to Do |
|---|---|---|---|
| Good Driver | Drivers with a clean recent record | No recent at-fault accidents and few (or no) moving violations, often over a multi-year period | Ask if you qualify when quoting and review the rules on the good driver discount. |
| Superior Driver | Drivers with an even longer clean record | Typically requires a longer violation-free and accident-free period than the standard safe-driver discount | If you’ve maintained a clean driving record for several years, ask whether you qualify for the “Superior Driver” tier. |
| Good Student | Student drivers on a family policy | Often requires full-time enrollment and a qualifying GPA (or equivalent academic standard), usually with an age cap | Confirm documentation rules and see common eligibility standards for a good student discount. |
| Mature Driver | Older drivers who complete approved training | Completion of a state-recognized mature/defensive driver course (age threshold and course rules vary by state) | If you’re eligible, complete an approved course and ask for the senior auto insurance discount. |
| Multi-Car | Households insuring more than one vehicle | Two or more vehicles on the same policy (or sometimes within the same household) | If you’re adding a second vehicle, review how multi-car discounts typically work and request the pricing with both cars included. |
| Multi-Driver | Households with multiple drivers | More than one driver listed on the policy (eligibility varies by underwriting rules) | Ask your agent or customer service whether there’s a household or multi-driver discount tied to your policy setup. |
| Anti-Theft / Vehicle Safety | Vehicles with theft-deterrent or safety features | Factory-installed or approved anti-theft systems (and sometimes certain safety equipment) | Confirm whether your vehicle qualifies and what documentation is needed for anti-theft device discounts. |
| Switch-to-Save | New customers switching insurers | Quoted savings vary by state, driver profile, and prior coverage history | Compare your current premium to a new quote and review advertised savings on the official 21st Century discounts page. |
| Multi-Policy (Bundling) | Drivers combining auto with other coverage | Availability depends on state and product lineup; bundling may be offered through affiliated companies | If you want to bundle, check what’s available through Farmers and compare the combined price against separate policies. |
Other Discounts You May Be Able to Add
Depending on your state and policy type, 21st Century (or an affiliated company) may also offer additional savings. These are commonly available across the industry, but they aren’t always advertised the same way everywhere.
| Discount Type | What It Usually Means | When It Helps Most |
|---|---|---|
| Low Mileage | Reduced rates when your annual mileage is below typical driving levels | Remote workers, retirees, or households with multiple vehicles sharing limited use; learn how low mileage discounts are commonly applied. |
| Driver Education / Defensive Driving | Discounts for completing an approved education or safety course | New drivers, households adding a teen, and older drivers in states that encourage safety training; see how defensive driving course discounts typically work. |
| Loyalty / Renewal | Reduced rates for staying with the insurer over time or renewing without claims | Long-term customers with stable coverage and clean records; if you need help reaching the company, use the 21st Century customer service contact number and ask whether a loyalty discount is available in your state. |
How to Get the Maximum Discount on Your Policy
- Ask for a discount review at quote time: Have your driver’s license info, vehicle VIN, annual mileage estimate, and student/course documentation ready.
- Keep continuous coverage: Many insurers rate continuous coverage favorably, and lapses can make switching more expensive.
- Choose the right deductibles: A higher deductible can lower premiums, but only if you can comfortably pay it after an accident.
- Re-check discounts at every renewal: Mileage, grades, household drivers, and vehicles change—your discounts should reflect that.
Final Word on 21st Century Insurance Discounts
21st Century discounts can add up, especially if you combine clean-driving discounts with household and vehicle-based savings. Since discount availability varies by state, the most reliable approach is to request a discount review when you quote and confirm the applied discounts on your declarations page after purchase.
