Commonwealth Insurance Car Insurance Review 2021

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Switching to Commonwealth Casualty with Jerry will save drivers in Arizona and Texas an average of $1,326 per year on their car insurance.
If you’re looking for car insurance, few things are less fun than filling out form after form—not to mention dealing with the inevitable follow-up sales calls.
Jerry is an AI-powered comparison shopping app that makes finding great car insurance policies simple. Signing up takes only 45 seconds and then you’ll be able to browse competitive quotes, choose the one that works best for you, and finalize it. Best of all? You won’t have to make a single call or fill out any long forms.
Here are real quotes from Jerry users:
Quote DateCar MakeCar ModelStateCityAge
Annual Savings after Switching to Commonwealth Insurance with Jerry
2021-08-10BMW328 I SulevAZFlagstaff21-24$864
2021-01-07BuickVeranoTXSan Antonio25-34$876
2021-05-15HondaAccord EXLTXDallas25-34$360
2021-05-23MazdaRx8AZMesa35-44$1,596
2021-05-12ChevroletMalibu LSTXFort Worth25-34$1,944

Quick look: Commonwealth Casualty car insurance

Good for
Drivers in Arizona and Texas looking for affordable insurance
Smaller, regional provider known for good service and a local touch
High customer satisfaction

What coverages does Commonwealth Casualty offer?

Commonwealth Casualty is a smaller, regional provider known for providing the expected range of coverage options you’d find at a larger insurer. Besides liability insurance, this Arizona-based insurer offers other common policies. Here’s a rundown of their offerings:

Most common coverages

  • Liability insurance: Liability insurance is mandated by law in most states. It encompasses bodily injury liability and property damage liability, both of which protect other motorists if you’re at fault in a collision.
  • Comprehensive insurance: Comprehensive coverage is an optional add-on in every state, but you may have to buy it if you’re leasing or financing a car. Comprehensive coverage pays for damage unrelated to a collision—such as from extreme weather, vandalism, or theft.
  • Collision insurance: Collision coverage is also optional but, again, might be required if you’re leasing or financing a car. Collision coverage pays for damage to your vehicle that results from a collision with another car or fixed object.
  • Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection reimburses you for costs resulting from a collision caused by a driver without insurance (or without an adequate amount of coverage). Instead of suing the other motorist, your insurance company covers your expenses. This type of coverage is important if you live in a state with a high percentage of uninsured or underinsured drivers.
  • Medical payments coverage: MedPay covers medical bills for you and any passengers in your car if you’re injured in an accident—even if you were at fault. MedPay is mandatory in a few states but is an optional add-on in most.
  • **Personal injury protection (PIP) is similar to MedPay in that it covers you and your passengers if you’re injured in a car accident. PIP also covers lost wages and funeral costs, if necessary.

Helpful add-ons

  • Rental reimbursement: Rental reimbursement will cover the cost of renting a car if your vehicle is damaged in a covered loss and is being repaired.
  • Accidental death and dismemberment: If you’re severely injured or killed in a car accident, Commonwealth Casualty will disburse a payment (to the stated limit) to assist with funeral or medical costs.
  • Rideshare insurance: Rideshare insurance will protect you if you work for a rideshare service, as your personal auto insurance won’t cover your time on the job.
  • Custom/additional equipment coverage: This add-on offers up to $2,500 in coverage for equipment added after you bought your car, including any accessories, devices, or enhancements.
  • Safety equipment: if your headlights, tail lights, or windshield are damaged in a collision, this coverage pays for repair or replacement of those parts’ glass components without any deductible.
  • Named driver restriction removal: Usually, only a driver named on a Commonwealth Casualty insurance policy can drive the car. This coverage allows occasional drivers who don’t live with the primary policyholder to drive the car and be covered under the same policy in case of an accident.
  • Roadside assistance: Often known as towing and labor coverage, roadside assistance helps with things like fixing flat tires, towing, battery boosts, emergency fuel delivery, and more.
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How much does Commonwealth Casualty auto insurance cost?

On average, the annual car insurance premium for minimum insurance with Commonwealth Casualty is $1,144. And for full coverage, which offers better financial protection, the average rate is --.
Insurance companies take various factors into account when calculating your insurance rate. Metrics such as the type of car you drive, your driving history, and your personal profile all play a part in determining your premium. Unsurprisingly, premiums can vary greatly from driver to driver.
Here are the average monthly payments for minimum and full-coverage policies with Commonwealth Casualty:
Average Monthly Cost for Minimum CoverageAverage Monthly Cost for Full Coverage
$114$219
As is common, younger drivers covered under Commonwealth Casualty policies typically pay $1,645 per year, while older drivers often pay less—an average of $1,248 per year.
Age is a key consideration for insurers to look at when setting premiums. Statistics show that teenage drivers are nearly three times as likely as drivers over 20 to be involved in an accident. This heightened risk means they pay much higher rates than the average motorist.
Here’s what drivers pay with Commonwealth Casualty based on their age group:
Age GroupAnnual Cost
Annual Savings after Switching to Commonwealth Insurance with Jerry
18-20$1,952$1,002
21-24$1,455$1,657
25-34$1,152$792
35-44$1,162$1,138
45-54$1,468$1,146
55-64$1,991$774

Who qualifies?

Commonwealth Casualty offers insurance to drivers of all ages—but as a regional provider, it only serves motorists in Arizona and Texas.
Drivers with recent accidents may find that rates are higher than average with Commonwealth Casualty. Such drivers may find cheaper insurance with carriers that specialize in insuring high-risk customers.
Here’s the average annual cost of Commonwealth Casualty insurance for drivers with a violation on their record:
Driving InfractionAnnual Cost
Annual Savings after Switching to Commonwealth Insurance with Jerry
Clean Record$1,450$1,007
Defective Equipment$2,864$2,656
Suspension$1,533$987
Open Container$878$1,750
Failure to Obey Traffic Sign$1,177$1,435
Speeding under 15$1,387$1,423
Leaving scene of an Accident/Hit and Run$1,492$560
Illegal Turn$1,252$7,148
Other$1,547$665
Key Takeaway Commonwealth Casualty sells insurance for drivers of all ages, but young drivers tend to pay more for their insurance than more experienced motorists.
Commonwealth Casualty insurance is only available in two states: Arizona and Texas.
As a licensed car insurance broker, Jerry helps you compare and buy car insurance no matter where you live. In just 45 seconds, you’ll be browsing through more than 40 competitive quotes from the country’s top insurance carriers.
Once you make your pick, Jerry takes care of all the paperwork and cancels your old policy for you—it’s that simple.
Here’s the average annual cost of Commonwealth Casualty insurance based on state:
StateAnnual Cost
Annual Savings after Switching to Commonwealth Insurance with Jerry
AZ$1,367$895
CA$1,236$564
TX$1,489$1,286
Key Takeaway Using Jerry can help you find the best coverage at the most affordable price, regardless of your state.

Discounts

If you’re looking for a regional insurer in Arizona or Texas with good customer service—as opposed to only looking for discounts—Commonwealth Casualty will work for you. This insurer doesn’t offer many discounts—the only opportunities to save are on multiple policies and a vanishing deductible.
DiscountDescription
Multiple policiesBundling car and home or renter’s insurance will score you a discount on both those policies
Vanishing deductibleIf you avoid collisions and don’t make any claims, Commonwealth Casualty will knock $100 off your deductible each year—up to a limit of $500
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Additional services

Commonwealth Casualty offers two additional insurance products:
  • Homeowners
  • Renters

Things to keep in mind

Payment options

You can pay Commonwealth Casualty online or by calling a customer service representative at 1-877-603-1310.

Cancelation policy

If you want to cancel your insurance with Commonwealth Casualty, call 1-877-603-1310. A customer service representative will advise you of any fees you’ll need to pay. If there is a cancelation fee, Jerry might be able to help you get a refund.
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