EXHIBIT 23.1


                         Consent of Independent Auditors


We consent to the incorporation by reference in the Registration Statement (Form
S-8) pertaining to the 21st Century Insurance Group (formerly 20th Century
Industries) Restricted Shares Plan of our reports (a) dated January 22, 1999,
with respect to the consolidated financial statements and schedule of 20th
Century Industries in its Annual Report (Form 10-K) and (b) dated May 31, 1999
with respect to the financial statements and schedules of 20th Century
Industries Savings and Security Plan included in the Plan's Annual Report (Form
11-K), both for the year ended December 31, 1998, filed with the Securities and
Exchange Commission.


                                                          /s/ Ernst & Young LLP


Los Angeles, California
January 12, 2000





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