EXHIBIT 23(b)

CONSENT OF INDEPENDENT AUDITORS


We consent to the incorporation by reference in the following Registration
Statements:  Forms S-8 No. 033-80180, No. 033-61355, No. 333-02261, No.
333-31141, No. 333-31143, No. 333-94659, and No. 333-64428, of our report dated
January 26, 2001, with respect to the consolidated financial statements and
schedule 14(a) of 21st Century Insurance Group, included in and incorporated by
reference in this Annual Report (Form 10-K) of the Company for the year ended
December 31, 2002.




/s/Ernst & Young LLP
- --------------------

Los Angeles, California
March 18, 2003


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