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Coronavirus COVID-19: We're here to help!

Update 07/02/20 - Status of Refund Checks
All refund checks have been issued to policyholders that qualify for the premium reduction. You should have received the letter confirming the amount and the refund check, in the mail.
We continue to monitor state mandates, and the impact of Coronavirus (COVID-19) on driving activity to determine if any additional actions are warranted. Thank you for being a valued customer.
We at 21st Century Insurance appreciate your patience as we work towards generating your premium reductions. We want to inform you there has been a slight change in how your premium reductions will be applied.
We previously indicated that we would apply the premium reduction directly to your policy balance. However, in order to be as efficient as possible in generating the premium reductions for our customers, we decided to send all policyholders that qualify for the premium reduction, a refund check in the mail. You will not see a credit applied to your policy. Instead, you will receive a refund check.
We anticipate the refund checks will start being issued within the next few weeks. You will receive a letter confirming the amounts of the premium reduction for both April and May, if applicable. The check will follow in a separate envelope.
In addition we have extended the pausing of cancellations until May 31st to help relieve some of the financial stress being felt by our customers.
How do I know if I qualify for both April and May?
Eligibility has not changed. To qualify for both April and May Premium Reduction, your policy would need to be in force on April 1, 2020 and May 1, 2020.
When should I expect my refund check?
We anticipate the refund checks will start being issued within the next few weeks.
In an effort to provide additional relief to our customers, 21st Century Insurance is providing a 15% reduction in May auto premiums. May's premium credit reflects a continued reduction in miles-driven, but anticipates increased driving activity based on trending data from recent weeks.
In addition we have extended the pausing of cancellations until May 22nd to help relieve some of the financial stress being felt by our customers.
*Update 05/21: Pausing of cancellations has been extended until May 31st.
*Update 05/21: You will not see a credit applied to your policy. Instead, you will receive a refund check. See the " Update On Our Premium Reduction Plan " for more information.
Who is eligible to receive the May premium reduction?
Your policy has to be active on May 1, 2020 to qualify for May's premium reduction.
How can I estimate the amount for the May premium reduction?
Here's how you can calculate the estimated premium reduction:
  1. Start with the amount of the premium that was in effect on 05/01/20, excluding any fees.
  2. Next, divide by 6, the length of your policy term.
  3. Then multiply by 0.15. The result is the total premium reduction May.
*Other factors could affect this estimate such as amendments made to your policy during the term.
Please continue to pay the invoice amount billed. Once your credit is processed, it will reflect on your invoice or automated pay schedule statement.
What do I need to do to receive the 15% reduction for May?
No action is needed from you. If applicable, we will combine April and May's premium reductions and apply it directly to your current policy balance. If you recently paid your account in full or the reduction results in a credit balance, we will issue you a refund check for the amount remaining on your policy. Note: If your policy became effective after April 1, 2020 you will only be eligible for the May premium reduction.
When will my account reflect the premium reduction?
We anticipate premium reductions will start being processed within 90 days. You will receive a letter confirming the premium reduction for both April and May, if applicable, once it has been applied to your policy.
At 21st Century Insurance, we continue our commitment to help our valued customers. In an effort to lessen the financial burdens our policyholders are currently facing and in recognition of the changed driving environment resulting from the stay-at-home guidelines issued by California, we are providing a premium reduction. The amount of the reduction is reflective of the changed vehicle usage from the start of the stay at home order issued in March through April.
We will calculate the premium reduction for your policy by taking the amount of the premium that was in effect on April 1, 2020 and dividing by 6, then multiplying by 0.25. You can use this formula to estimate your total premium reduction. Other factors could affect this estimate such as amendments made to your policy during the term.
No action is needed from you, as the reduction will be applied directly to your policy balance. We anticipate premium reductions will start being processed within 90 days. You will receive a letter confirming the premium reduction once it has been applied to your policy. If you recently paid your account in full or the reduction results in a negative balance, we will issue you a refund check for the amount remaining on your policy.
This is in addition to our previously announced initiatives to implement additional flexible payment plans and pause cancellations to help relieve some of the financial stress being felt by customers. (Scroll down for more detail.)
We will continue to assess additional ways to take care of our customers as things progress over the coming weeks. Please check back later. We will update this site regularly.
We value our customers and are proud to serve you. Please stay safe and healthy!
*Update 05/21: You will not see a credit applied to your policy. Instead, you will receive a refund check. See the " Update On Our Premium Reduction Plan " for more information.
Who is eligible to receive the premium reduction?
21st Century auto policies that were active on April 1, 2020 qualify for the premium reduction. Policies canceled on or after April 2, 2020 will still qualify, as they were active on April 1, 2020.
Who is not eligible to receive the premium reduction?
New 21st Century auto policies that were purchased or effective after April 1, 2020 will not qualify for the April reduction.
Note: You may qualify for the May premium reduction. See " FAQs: Additional 15% reduction for May " above for more detail on eligibility.
How is the premium reduction calculated?
Here's how the reduction is calculated:
  1. Start with the amount of the premium that was in effect on 04/01/20, excluding any fees.
  2. Next, divide by 6, the length of your policy term.
  3. Then multiply by 0.25. The result is the total premium reduction for both March and April.
For example, if on April 1 your full-term six-month premium was $1,000:
  • Take $1,000, divide by 6 months = $166.67. This is the amount you pay monthly.
  • Then multiply $166.67 x 0.25 = $41.67 premium credit
* Other factors could affect this estimate such as amendments made to your policy during the term.
What do I need to do to receive my premium reduction?
There is no action required by you. The reduction will be applied directly to your current policy balance. If you recently paid your account in full or the reduction results in a credit balance, we will issue you a refund check for the amount remaining on your policy.
When will my account reflect the premium reduction?
We are making the necessary modifications to our billing systems. We anticipate that the premium reductions will start being processed within 90 days.
How will I be notified when the premium reduction has been applied?
You will receive a letter confirming the premium reduction, once it has been applied to your policy.
Will there be additional reductions or credits in the future?
We will continue to monitor state mandates and the impact of Coronavirus (COVID-19) to determine if any additional actions are warranted.
We at 21st Century Insurance have been mindful of the Coronavirus (COVID-19) and continue to monitor the situation closely. We know that many of our customers may be facing financial challenges during this time and we want to help. In addition to complying with any state mandated actions, we are making adjustments to allow extra time for you to pay for your 21st Century Insurance auto policy.
Pausing Cancellations
The first step we're taking is temporarily pausing policy cancellations due to non-payment through May 1, 2020. This means you will have until at least May 1 to make a mid-term payment, if one is due, before your policy will cancel. Any additional time to pay past May 1 will be shown on your current or upcoming billing notice(s). We will also waive any late fees.
We appreciate your patience as we work toward our temporary exception handling of cancellations. If you recently received a notice of cancellation or receive one prior to May 1st, please contact us to review your policy and make any necessary accommodations.
Renewals
We also understand that some customers who intend to renew their insurance with 21st Century may be experiencing financial difficulty. If you receive a notice that your policy is expiring and you need additional time to pay, please contact us and we will extend your due date until at least May 1 and waive any late fees. To make such a request, call us at 1-800-241-1188 during our operating hours (Monday - Friday 7am-7pm PST & Saturday 7am-6pm PST).
What to expect if you defer payment
Through these actions we are providing additional time to pay while still maintaining your coverage. Therefore, your premium for this coverage will continue to accumulate. If you are able to pay your bill on time, or even a portion of your bill, we recommend you do so to prevent a large balance due when normal billing operations resume.
We will continue to monitor state mandates and the impact of Coronavirus (COVID-19) and determine if these dates should be extended further. We thank you for being a valued customer, and we are proud to serve you.
From everyone at 21st Century Insurance, we want to say thank you for your business.
William D Loucks Jr.
President, 21st Century Insurance
*Update 05/21: Pausing of cancellations has been extended until May 31st.
If I have been impacted by COVID-19, can I get more time to pay?
We are temporarily pausing policy cancellations due to non-payment through May 22, 2020. This means you will have until at least May 22 to make a mid-term payment, if one is due, before your policy will cancel. Any additional time to pay past May 22 will be shown on your current or upcoming billing notice(s). We will also waive any late fees.
If you receive a notice that your policy is expiring and you need additional time to pay, please contact us and we will extend your due date until at least May 22 and waive any late fees. To make such a request, call us at 1-800-241-1188 during our operating hours (Monday - Friday 7am-7pm PST & Saturday 7am-6pm PST).
What should I expect if I defer payment?
Through these actions we are providing additional time to pay while still maintaining your coverage. Therefore, your premium for this coverage will continue to accumulate. If you are able to pay your bill on time, or even a portion of your bill, we recommend you do so to prevent a large balance due when normal billing operations resume.
Additional helpful links and contact information
How can I make a payment?
To make a payment in the amount of your bill:
  • Call us any time at 1-800-241-1188 and make a payment through our IVR.
  • Make a payment online by going to 21st.com
  • Or use our mobile app.
If you wish to make payment arrangements, please call us at 1-800-241-1188 during our operating hours (Monday - Friday 7am-7pm PST & Saturday 7am-6pm PST).
Download the 21st Century Insurance Mobile App.

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How do I file a claim?
If you need to file a claim, you can do so online, or by calling 1-888-244-6163. Our claims representatives have online tools to help them assist customers throughout the claims process. Should your claim require an in-person visit, we are closely monitoring and applying the most up to date CDC guidelines and recommendations.
What if I need Roadside Assistance?
We know you may be on the road and need help. Roadside Assistance is currently active and our team is here to assist you. If you need roadside assistance, just call the number on the back of your ID card/1-800-439-5587.