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                             21st Century Insurance
                                    21st.com
                                 1-800-221-SAVE

                                                                Company Contact:
                                                                    Mel Spinella
                                                                  (818) 704-3533


                21ST CENTURY INSURANCE GROUP ANNOUNCES POTENTIAL
                            OFFERING OF SENIOR NOTES


WOODLAND HILLS, CA-December 3, 2003-21st Century Insurance Group (NYSE: TW)
announced today that the company intends, subject to market and other customary
conditions, to privately offer up to $100 million principal amount of senior
notes due 2013.

21st Century Insurance Group intends to use the proceeds from the sale of the
notes to increase the statutory surplus of 21st Century Insurance Company, a
wholly-owned subsidiary of 21st Century Insurance Group, to support the
company's continued growth and for general corporate purposes.

The notes will be offered to qualified institutional buyers in reliance on Rule
144A under the  Securities Act of 1933, as amended (the "Securities Act").  The
notes will not be registered under the Securities Act.  Unless so registered,
the notes may not be transferred or resold in the United States except pursuant
to an exemption from, or in a transaction not subject to, the registration
requirements of the Securities Act and applicable state securities laws. This
news release does not constitute an offer to sell or the solicitation of an
offer to buy, nor shall there be any sale of the notes in any state in which
such offer, solicitation or sale would be unlawful.

21st Century Insurance Group has appointed Banc of America Securities LLC and
Lehman Brothers, Inc. as joint book-running managers.

This release may contain statements regarding anticipated future developments
that are forward-looking statements within the meaning of the Private Securities
Litigation Reform Act of 1995.  Results may differ materially as a result of the
risk factors included in the company's filings with the Securities and Exchange
Commission and other factors over which the company has no control.  In
particular, there can be no assurance that the notes offering will be completed.