Our take
Commonwealth Casualty only sells insurance to drivers in Arizona, Texas and Ohio. While rates tend to be lower than average, policy options and features are also limited.
Pros:
- Below-average premiums.
- Vanishing deductible.
- New claim estimates in 24 hours, on average.
Cons:
- Only available in three states.
- Higher-than-average consumer complaints.
- No mobile app or online claims process.
Commonwealth car insurance review
Commonwealth is a Phoenix-based auto insurer with a relatively small market share.
There is no AM Best financial strength rating for Commonwealth, and the company is not included in J.D. Power industry rankings. Potential customers can shop for a Commonwealth policy online, over the phone or through a local agent.
Who is Commonwealth best for?
Commonwealth auto insurance may be an affordable option for drivers in Arizona, Texas or Ohio who are looking to bundle their homeowners or renters insurance and potentially save money. Deductible discounts are available to drivers who maintain constant coverage and stay claims-free.
There is no mobile app and limited online functionality, so Commonwealth is best for drivers who prefer to handle policy changes, claims and account settings over the phone or with an agent in person.
If you’re considering purchasing Commonwealth auto insurance, be sure to compare quotes from multiple companies in your area to find the right coverage at the best possible price.
How much does Commonwealth car insurance cost?
The average cost for the state-required minimum car insurance with Commonwealth is 26.1% lower than the national average.
Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, and the amount of coverage you want.
Commonwealth car insurance rates
Here’s a look at Commonwealth’s car insurance rates.
Commonwealth car insurance discounts
With Commonwealth, you can lower your rates by:
- Bundling your car insurance with a home or renters policy.
- Staying accident- and claims-free.
Commonwealth car insurance coverage options
Commonwealth offers the most common types of coverage, including collision, comprehensive, bodily injury liability, property damage liability and uninsured/underinsured motorist protection.
Coverage Definitions
Commonwealth also offers the following optional protections:
- Rental reimbursement helps cover the cost of a rental car while your vehicle is being repaired after a covered loss.
- Roadside assistance helps pay for on-the-road help when you need it, including towing, jump-start, winch and lockout services, as well as tire changes and fuel delivery.
- Safety equipment coverage waives your comprehensive coverage deductible if your vehicle’s glass components (windshield, headlights, taillights) need repair or replacement.
Industry ratings of Commonwealth car insurance
Since Commonwealth operates in a limited number of markets and has a relatively small market share, few industry ratings are available for it. Unlike top insurance companies, Commonwealth hasn’t received some of the more common ratings from agencies like AM Best or J.D. Power. While a lack of rating isn’t necessarily a negative thing, it limits the information available to drivers who are considering a policy.
NAIC
Commonwealth receives more consumer complaints than expected for its size and market share, according to the National Association of Insurance Commissioners (NAIC). While there was no complaint index issued to the insurer in 2024, indices in 2023 and 2022 were 3.02 and 6.11, respectively.
| Qualitative rating | 3-year consumer complaint index |
|---|---|
| High | Above 1.5 |
| Moderately high | 1 to 1.5 |
| About average | Near 1 |
| Moderately low | 1 to 0.5 |
| Low | 0.5 to 0 |
The NAIC is the member group for state insurance commissioners in the United States. It makes recommendations, analyzes insurer financial filings, maintains reporting and more for insurance regulators.
How to contact Commonwealth
Get a quote: Get Commonwealth coverage quotes online, by calling 877-603-1310 or by using the insurer’s Find an Agent feature to contact a local independent agency.
Customer service: Call 877-603-1310. Customer service representatives are available Monday through Friday from 8 a.m. to 6 p.m. MST, Saturday from 9 a.m. to 3 p.m. and closed on Sunday.
File a claim: Claims can be filed over the phone by calling 877-603-1310 and following the prompts to initiate a new claim.
