SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C.  20549

                                    FORM 10-Q

                   QUARTERLY REPORT UNDER SECTION 13 OR 15 (D)
                     OF THE SECURITIES EXCHANGE ACT OF 1934


For Quarter Ended March 31, 2000                   Commission File Number 0-6964

                          21ST CENTURY INSURANCE GROUP
--------------------------------------------------------------------------------
             (Exact name of registrant as specified in its charter)



        CALIFORNIA                                       95-1935264
--------------------------------------------------------------------------------
(State or other jurisdiction of                (I.R.S.  Employer  Identification
incorporation or organization)                             Number)

   6301 Owensmouth Avenue, Suite 700, Woodland Hills, California       91367
--------------------------------------------------------------------------------
(Address of principal executive offices)                            (Zip Code)


Registrant's  telephone  number,  including  area  code          (818)  704-3700
                                                                 ---------------

                                      None
--------------------------------------------------------------------------------
     Former name, former address and former fiscal year, if changed since last
                                     report.

Indicate by check mark whether the registrant (1) has filed all reports required
to  be  filed  by  Section  13  or 15 (d) of the Securities Exchange Act of 1934
during  the  preceding 12 months (or for such shorter period that the registrant
was  required  to  file  such  reports), and (2) has been subject to such filing
requirements  for  the  past  90  days.

YES       X                   NO
     -----------                  -----------

       Indicate the number of shares outstanding of each of the issuer's classes
of  common  stock,  as  of  the  latest  practicable  date.

             Class                              Outstanding at April 28, 2000
  Common Stock, Without Par Value                     85,047,801  shares


                                        1
<PAGE>
                          PART I - FINANCIAL INFORMATION

ITEM  1.     FINANCIAL  STATEMENTS

<TABLE>
<CAPTION>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES
                           CONSOLIDATED BALANCE SHEETS


                                      ASSETS


                                                   March 31,   December 31,
                                                     2000          1999
                                                 ------------  -------------
                                                 (Unaudited)
                                                   (Amounts  in  thousands)
<S>                                              <C>           <C>
Investments, available-for-sale, at fair value:
  Fixed maturities                               $    941,448  $     942,982
  Equity securities                                       338            563
                                                 ------------  -------------
     Total investments - Note 3                       941,786        943,545
Cash and cash equivalents                              19,382         45,034
Accrued investment income                              14,761         15,403
Premiums receivable                                    73,907         70,796
Reinsurance receivables and recoverables               55,104         56,616
Prepaid reinsurance premiums                           20,503         32,212
Deferred income taxes - Note 4                         87,943         91,251
Deferred policy acquisition costs                      24,698         22,156
Property and equipment, net of accumulated             93,082         84,455
   depreciation
Other assets                                           23,627         17,864
                                                 ------------  -------------
                                                  $ 1,354,793  $   1,379,332
                                                 ============  =============
</TABLE>


       See  accompanying  notes  to  financial  statements.


                                        2
<PAGE>
<TABLE>
<CAPTION>
                   21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES
                      CONSOLIDATED BALANCE SHEETS (continued)

                        LIABILITIES AND STOCKHOLDERS' EQUITY


                                                        March 31,     December 31,
                                                           2000           1999
                                                       ------------  --------------
                                                       (Unaudited)
                                                (Amounts in thousands, except share data)
<S>                                                    <C>           <C>
Unpaid losses and loss adjustment expenses             $   274,074   $     276,248
Unearned premiums                                          243,050         232,702
Bank loan payable                                           45,000          67,500
Claims checks payable                                       33,198          31,912
Reinsurance payable                                         10,351          22,311
Other liabilities                                           40,293          27,822
                                                       ------------  --------------
      Total liabilities                                    645,966         658,495

Stockholders' equity
   Capital stock
      Preferred stock, par value $1.00 per share;
      Authorized 500,000 shares, none issued                     -               -

      Series A convertible preferred stock, par value
      $1.00 per share, stated value $1,000 per share;
      Authorized 376,126 shares, none outstanding
      in 2000 and 1999                                           -               -

      Common stock, without par value;  authorized
      110,000,000 shares, outstanding 85,161,735
      in 2000 and 85,918,680 in 1999                       415,735         429,623

   Accumulated other comprehensive loss                    (28,607)        (40,519)

   Retained earnings                                       321,699         331,733
                                                       ------------  --------------
      Total stockholders' equity                           708,827         720,837
                                                       ------------  --------------
                                                       $ 1,354,793   $   1,379,332
                                                       ============  ==============
</TABLE>


See  accompanying  notes  to  financial  statements.


                                        3
<PAGE>
<TABLE>
<CAPTION>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES
                        CONSOLIDATED STATEMENTS OF INCOME
                                   (Unaudited)



                                          Three Months Ended
                                               March 31,
                                          -------------------
                                            2000       1999
                                          ---------  --------
                                         (Amounts in thousands,
                                         except per share data)
<S>                                       <C>        <C>
REVENUES

Net premiums earned                       $200,272   $194,345
Net investment income                       13,050     17,899
Realized investment gains (losses)          (3,743)     7,248
                                          ---------  --------
                                           209,579    219,492

LOSSES AND EXPENSES

Losses and loss adjustment expenses        178,857    154,679
Policy acquisition costs                    21,690     17,114
Other operating expenses                     7,346      2,610
Interest and fees expense                    1,137      1,952
                                          ---------  --------
                                           209,030    176,355
                                          ---------  --------

Income before federal income taxes             549     43,137
Federal income taxes (benefit) - Note 4     (3,106)    14,224
                                          ---------  --------

   NET INCOME                             $  3,655   $ 28,913
                                          =========  ========

EARNINGS PER COMMON SHARE - Note 2
----------------------------------------

   BASIC                                  $   0.04   $   0.33
                                          =========  ========

   DILUTED                                $   0.04   $   0.33
                                          =========  ========
</TABLE>


See  accompanying  notes  to  financial  statements.


                                        4
<PAGE>
<TABLE>
<CAPTION>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES
                  CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY
                                   (Unaudited)

                        Three Months Ended March 31, 2000
                        ---------------------------------

                                                         Accumulated
                                                            Other
                                 Common     Retained    Comprehensive
                                  Stock     Earnings    Income (Loss)     Total
                                ---------  ----------  ---------------  ---------
                                            (Amounts in thousands)
<S>                             <C>        <C>         <C>              <C>
Balance at January 1, 2000      $429,623   $ 331,733   $      (40,519)  $720,837
Comprehensive income:
Net income                                     3,655                       3,655
Change in accumulated other
   comprehensive income, net -
   Note 3                                                      11,912     11,912
                                                                        ---------
Total comprehensive income                                                15,567
Cash dividends declared                      (13,689)                    (13,689)
Common stock repurchased
   and retired                   (13,933)                                (13,933)
Other                                 45                                      45
                                ---------  ----------  ---------------  ---------

Balance at March 31, 2000       $415,735   $ 321,699   $      (28,607)  $708,827
                                =========  ==========  ===============  =========
</TABLE>


                See  accompanying  notes  to  financial  statements.


                                        5
<PAGE>
<TABLE>
<CAPTION>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES
                      CONSOLIDATED STATEMENTS OF CASH FLOWS


                                                    Three Months Ended
                                                        March 31,
                                                   -------------------
                                                     2000      1999
                                                   --------  ---------
                                                       (Unaudited)
                                                  (Amounts in thousands)
<S>                                                <C>       <C>
OPERATING ACTIVITIES:

Net income                                         $ 3,655   $ 28,913
Adjustments to reconcile net income
   to net cash provided by operating
   activities:

   Provision for depreciation and amortization       3,382      3,239
   Provision for deferred income taxes              (3,106)     7,393
   Realized (gains) losses on sale of investments    3,716     (7,346)
   Federal income taxes                                  -     10,932
   Reinsurance balances                              1,261      4,867
   Unpaid losses and loss adjustment expenses       (2,174)   (43,779)
   Unearned premiums                                10,348      1,381
   Claims checks payable                             1,286      6,955
   Other                                             1,724     17,219
                                                   --------  ---------
     NET CASH PROVIDED BY
        OPERATING ACTIVITIES                       $20,092   $ 29,774
</TABLE>


                                        6
<PAGE>
<TABLE>
<CAPTION>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES
                CONSOLIDATED STATEMENTS OF CASH FLOWS (continued)


                                                 Three Months Ended
                                                      March 31,
                                                ---------------------
                                                  2000        1999
                                                ---------  ----------
                                                    (Unaudited)
                                               (Amounts in thousands)
<S>                                             <C>        <C>
INVESTING ACTIVITIES:
   Investments available-for-sale:
     Purchases                                  $(55,100)  $(232,493)
     Calls or maturities                               -       5,040
     Sales                                        71,398     270,463
   Net purchases of property and equipment       (11,965)    (10,271)
                                                ---------  ----------
       NET CASH PROVIDED BY
          INVESTING ACTIVITIES                     4,333      32,739

FINANCING ACTIVITIES:
   Common stock repurchased                      (13,933)          -
   Bank loan principal repayments                (22,500)    (11,250)
   Dividends paid                                (13,689)    (14,021)
   Other                                              45           -
                                                ---------  ----------
       NET CASH USED IN
          FINANCING ACTIVITIES                   (50,077)    (25,271)
                                                ---------  ----------

Net increase (decrease) in cash                  (25,652)     37,242
Cash and cash equivalents, beginning of period    45,034     167,856
                                                ---------  ----------
Cash and cash equivalents, end of period        $ 19,382   $ 205,098
                                                =========  ==========
</TABLE>


See  accompanying  notes  to  financial  statements.


                                        7
<PAGE>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

                                 March 31, 2000
                                   (Unaudited)

1.     Basis  of  Presentation

The  accompanying unaudited consolidated financial statements have been prepared
in  accordance  with  generally  accepted  accounting  principles  for  interim
financial  information  and  the  instructions  to  Form  10-Q and Article 10 of
Regulation  S-X.  Accordingly,  they  do  not include all of the information and
footnotes  required  by  generally  accepted  accounting principles for complete
financial statements.  In the opinion of management, all adjustments (consisting
of normal, recurring accruals) considered necessary for a fair presentation have
been  included.  Operating  results  for  the three-month period ended March 31,
2000, are not necessarily indicative of the results that may be expected for the
year  ending  December  31,  2000.  For  further  information,  refer  to  the
consolidated financial statements and notes thereto included in the 21st Century
Insurance Group Annual Report on Form 10-K for the year ended December 31, 1999.

Certain  amounts  in  the  1999  financial  statements have been reclassified to
conform  to  the  2000  presentation.


                                        8
<PAGE>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES

                   NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
                                   (Unaudited)

2.    Earnings  Per  Common  Share

      The  following  table  sets  forth  the  computation  of basic and diluted
earnings  per  share:

<TABLE>
<CAPTION>
                                               Three Months Ended March 31,
                                               ----------------------------
                                                      2000     1999
                                                     -------  -------
                                     (Amounts in thousands, except per share data)
<S>                                                  <C>      <C>

Numerator for basic and diluted earnings per share:
   Income available to common stockholders           $ 3,655  $28,913
                                                     =======  =======

Denominator:
  Weighted-average shares outstanding for basic       85,343   87,633
   earnings per share

   Effect of dilutive securities:
   Restricted stock grants                               164        -
   Employee stock options                                 67       75
                                                     -------  -------
   Dilutive potential common shares                      231       75

   Adjusted weighted-average shares outstanding for
   Diluted earnings per share                         85,574   87,708
                                                     =======  =======

Basic earnings per share                             $  0.04  $  0.33
                                                     =======  =======

Diluted earnings per share                           $  0.04  $  0.33
                                                     =======  =======
</TABLE>


                                        9
<PAGE>
3.   Investments

     The  amortized  cost, gross unrealized gains and losses, and fair values of
investments  as  of  March  31,  2000,  are  as  follows:

<TABLE>
<CAPTION>
                                                     Gross        Gross
                                      Amortized   Unrealized   Unrealized     Fair
                                         Cost        Gains       Losses      Value
                                      ----------  -----------  -----------  --------
                                                  (Amounts  in  thousands)
<S>                                   <C>         <C>          <C>          <C>

U.S. Treasury securities and
    obligations of U.S. government
    corporations and agencies         $   15,213  $         9  $       809  $ 14,413

Obligations of states and political
    subdivisions                         912,849        1,570       40,224   874,195

Corporate securities                      57,693           47        4,900    52,840
                                      ----------  -----------  -----------  --------

    Total fixed maturities               985,755        1,626       45,933   941,448

Equity securities                             41          297            -       338
                                      ----------  -----------  -----------  --------

    Total investments                 $  985,796  $     1,923  $    45,933  $941,786
                                      ==========  ===========  ===========  ========
</TABLE>


Details  follow  concerning  the  change during the three months ended March 31,
2000,  in the after-tax net unrealized gain on investments, which is included in
the  consolidated  balance  sheet  under  the  caption  "Accumulated  Other
Comprehensive  Income  (Loss)"  (amounts  in  thousands):


Net unrealized gains on available-for-sale investments, net of
   income tax expense of $5,114                                        $ 9,497

Plus:  reclassification adjustment for losses included in net income,
   net of income tax benefit of $1,301                                   2,415
                                                                       -------

                                                                       $11,912
                                                                       =======


                                       10
<PAGE>
4.     Federal  Income  Taxes

     Income  taxes  do  not  bear  the  expected  relationship to pre-tax income
because of tax-exempt investment income and other differences in the recognition
of  revenue and expenses for tax and financial statement purposes.  At March 31,
2000,  the Company had a net operating loss carryforward of approximately $110.9
million  for  regular  tax  purposes  and  an  alternative  minimum  tax  credit
carryforward of $33.0 million.  The net operating loss carryforwards will expire
in 2009.  Alternative minimum tax credits may be carried forward indefinitely to
offset  future  regular  tax  liabilities.

     Federal  income  tax  expense  (benefit)  consists  of:


                               Three Months Ended March 31,
                               ----------------------------
                                     2000         1999
                               --------------  ------------
                                  (Amounts in thousands)

Current tax expense            $           -    $     6,831
Deferred tax                          (3,106)         7,393
   expense (benefit)
                               --------------  ------------

                               $      (3,106)   $    14,224
                               ==============  ============


                                       11
<PAGE>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES


ITEM  2.    MANAGEMENT'S  DISCUSSION  AND  ANALYSIS
            OF  FINANCIAL  CONDITION  AND  RESULTS  OF  OPERATIONS

Liquidity  and  Capital  Resources
----------------------------------

The Company is principally dependent on premiums and its portfolio of marketable
securities  and  the  investment  income  thereon  to  pay  claims and operating
expenses  and  to  service outstanding debt.  Loss and loss expense payments are
the  most  significant  cash  flow  requirement  of  the  Company.  The  Company
continually  monitors  loss  payments  to  provide  projections  of  future cash
requirements.  Cash flow from operations and investment activities has continued
to  be  sufficient  to  fund  the  Company's  needs.

Funds  required  by  21st  Century  Insurance  Group  to  pay  dividends,  debt
obligations  and  holding  company  expenses  are  provided  by  the  insurance
subsidiaries.  The ability of the insurance subsidiaries to pay dividends to the
holding company is regulated by state law, which allows the payment of up to the
greater  of  prior  year  statutory  net  income or 10% of surplus without prior
approval  from  the  state.  As  of  March  31,  2000,  the  Company's insurance
subsidiaries  had  a  combined statutory surplus of $572.6 million compared to a
combined  statutory  surplus  of $634.0 million at March 31, 1999. The Company's
ratio of net written premium to surplus was 1.4:1 at March 31, 2000, compared to
1.2:1  at  March  31,  1999.

Invested  assets  as  of  March  31,  2000,  had  a fair value of $961.2 million
compared  to  $988.6  million  at  December  31,  1999.  The decrease includes a
decrease  in  unrealized  losses  of  $18.3  million.  All  investments in fixed
maturities  are  investment  grade.  Of the Company's total investments at March
31,  2000, 89.8% were invested in tax-exempt fixed-income securities compared to
85.6%  at  December  31,  1999  and  29.8%  at  March  31,  1999.


                                       12
<PAGE>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES


The  fixed  maturity  available-for-sale portfolio is subject to decline in fair
value  as  interest  rates rise.  As of March 31, 2000, the after-tax unrealized
loss  on investments was $28.6 million, compared to $40.5 million as of December
31,  1999.  The Company's strategy has been to minimize the realization of these
losses  by  holding the underlying investments, to the extent practicable, until
they  regain  their  value.

At April 1, 2000, the Company has a variable rate credit line available of $45.0
million,  all  of  which  is  outstanding.  Presently, interest is paid monthly;
interest  payments for the first three months of 2000 totaled approximately $1.1
million.  Principal  repayments  of  $11.25  million are due on the first day of
each  calendar  quarter.

During  the second quarter of 1999, 21st Century's Board of Directors authorized
the expenditure of $50 million to purchase shares of the Company's common stock.
Implementation  of  the stock repurchase program began in June of last year.  As
of  March  31,  2000,  2,515,484  shares  had  been  repurchased  at  a  cost of
approximately  $47.4  million.  This  repurchase  program was completed in April
2000.


In August 1996, 21st Century Insurance Company of Arizona, a joint venture owned
51%  by  AIG  and  49%  by  21st  Century Insurance Group, began writing private
passenger  automobile  policies  in that state.  The Company's investment in and
advances  to this venture totaled $3,990,000 at March 31, 2000, and are included
in  other  assets in the consolidated balance sheet.  The Company's share of the
net loss of this venture was $175,000 for the three months ended March 31, 2000,
and  $125,000  for  the same 1999 period and is included in investment income in
the  consolidated  statements  of  income. The information presented hereinafter
does  not  include  the activities of 21st Century Insurance Company of Arizona.


                                       13
<PAGE>
Underwriting  Results
---------------------

Gross  premiums  written  in  the  first quarter of 2000 increased $10.0 million
(4.4%)  to  $233.9  million  from  $223.9  million  in  the  same period of 1999
primarily  as  a  result of increased sales of personal auto policies in Nevada,
Oregon,  and  Washington  and  sales  of homeowners policies to new customers in
California.  Net earned premiums increased $5.9 million (3.0%) mainly due to the
termination  effective  January  1,  2000,  of  the  former  100%  quota  share
reinsurance  program  relating  to  the  homeowners  line.

The  Company  experienced  an  underwriting  loss  of  $7.6 million in the first
quarter  of  2000  compared to an underwriting gain of $19.9 million in the same
quarter last year.  The combined ratio increased from 89.7% in the first quarter
of  1999  to  103.8% for the first quarter of 2000, mainly due to increased loss
costs  and  higher  operating  expenses.

Loss  costs  began  trending  upwards in the third quarter of 1999 after several
years  in  which the Company's underwriting results had benefited from declining
trends.  The  higher  loss  costs  can  be  expected  to  negatively  impact the
Company's  underwriting  results  over  the  near  term.  A  reevaluation of the
Company's  pricing  strategy  is expected to be completed in the second quarter.
However,  because  premiums are earned over policy terms for financial operating
purposes,  the  effects  of  any  rate  increases  would  not  be evident in the
Company's  reported  financial  results  for  several  months following any such
action.

Net  underwriting  expenses, which consist of policy acquisition costs and other
operating  expenses,  increased by $9.3 million (47.2%) for the first quarter of
2000  compared  to  the  same  quarter  in  1999.  The ratio of net underwriting
expenses (excluding loan interest and fees) to net premiums earned for the three
months  ended March 31, 2000, was 14.5% compared to 10.1% for the same period in
1999,  reflecting  the  Company's  continuing  investments  in  new  technology,
customer-focused  business  practices and the impact of a 6.8% new rate decrease
that  went  into  effect  in  February  1999.


                                       14
<PAGE>
                  21ST CENTURY INSURANCE GROUP AND SUBSIDIARIES


INVESTMENT  INCOME

In  the  fourth  quarter of 1998, the Company began transitioning its investment
portfolio  from  taxable  to  nontaxable  securities  in  anticipation  of fully
utilizing  its  remaining  net  operating loss carryforward.  At March 31, 2000,
$863.2  million  or  89.8%  of  the Company's total cash and investments at fair
value  was  invested  in tax-exempt bonds compared to $359.8 million or 29.8% at
March  31,  1999.

As a result of the transition of the portfolio into tax-exempt securities, which
generally  have  a  lower  pre-tax  yield  than  taxable securities, net pre-tax
investment  income  decreased  26.1%  during  the  quarter ended March 31, 2000,
compared  to  the  same  period  in  1999.  The  average annual pre-tax yield on
invested  assets  for  the  three-month  period  ended  March 31, 2000, was 5.1%
compared  to  5.9%  for  the  same  period  in 1999.  On an after tax basis, the
comparable  yields  were  4.6% and 4.2% for the first quarters of 2000 and 1999,
respectively.  Average  invested  assets  decreased  14.3% for the quarter ended
March  31,  2000,  compared  to  the  same  1999  period.

Realized  losses on sales of investments were $3.7 million for the first quarter
of  2000 compared to realized gains of $7.2 million for the same period in 1999.

FORWARD  LOOKING-STATEMENT

Statements contained in this quarterly report which are not historical facts may
be  considered forward-looking statements as that term is defined in the Private
Securities  Litigation  Reform  Act of 1995 relating to, among other things, the
Company's  future  performance  and  operations,  management's  future plans and
goals,  and  business  environment changes.  Such forward-looking statements are
subject  to  risks and uncertainties, which could cause actual results to differ
materially  from  those  projected.  Such risks and uncertainties could include,
but  are  not  limited to, the effect of competition, claims experience, service
issues,  financial  or  invested  considerations  and  unanticipated  results of
regulatory  or  legal  actions.


                                       15
<PAGE>
                           PART II - OTHER INFORMATION


ITEM  6.     EXHIBITS  AND  REPORTS  ON  FORM  8-K

(b)     Reports  on  Form  8-K

        A report on Form 8-K was  filed  on  January  26,  2000,  regarding  the
        Resignation  of  the  Company's  Chief  Executive  Officer  and Director
        William L. Mellick effective  February 4, 2000.

        A  report  on  Form 8-K  was filed on  February 9, 2000,  regarding  the
        Election  of  Bruce  W.  Marlow  as  President  and  Chief  Executive
        Officer  of the Company effective  February  8,  2000.


                                       16
<PAGE>
                                   SIGNATURES


Pursuant  to  the  requirements  of the Securities and Exchange Act of 1934, the
registrant  has  duly  caused  this  report  to  be  signed on its behalf by the
undersigned  thereunto  duly  authorized.







                                             21ST  CENTURY  INSURANCE  GROUP
                                         ---------------------------------------
                                                      (Registrant)




Date      May  10,  2000
    ---------------------------         ---------------------------------------
                                                    BRUCE  W  MARLOW
                                         President and Chief Executive Officer



Date      May  10,  2000
    ---------------------------         ---------------------------------------
                                                   ROBERT  B.  TSCHUDY
                                              Senior  Vice  President  and
                                                Chief  Financial  Officer


<PAGE>