Commonwealth Car Insurance Review 2025

Commonwealth Casualty Company is a home and auto insurer based in Phoenix, Arizona. It provides no-frills car insurance to drivers with clean records. 

Commonwealth’s low-cost policies may be a good fit for Arizona and Texas drivers on a budget. The insurer doesn’t offer a large selection of add-on coverages like other larger insurers, so it may not be the best option for drivers looking for extensive coverage. If you want to cover the basics without spending a fortune, you may find Commonwealth a good choice.

Pros:

• Option to get a quote online.
• Discount for bundling policies.
• Vanishing deductible program.

Cons: 

• No mobile app.
• Many customer complaints with the NAIC.

Is Commonwealth the right insurance company for you?

Commonwealth may be a fit for drivers who: 

• Have a clean driving record.
• Prefer local assistance.
• Live in Texas, Ohio or Arizona.

Not every driver will find the best rates with Commonwealth, but if you’re looking for basic insurance and live in one of the states where Commonwealth is available, it may be a good option.

Find real Commonwealth car insurance quotes

These are recent quotes that Jerry customers have received for Commonwealth auto insurance.

Does Commonwealth resolve claims fast?

Commonwealth doesn’t specify how long it takes to resolve a car insurance claim, but the process may take longer because drivers can’t file a claim online. However, the insurer does have brick-and-mortar offices where claims adjusters are available for personalized service. To file a claim, you’ll need to contact the claims department at 877-603-1310 and follow the phone prompts.

Commonwealth says it offers quick turnaround when drivers file claims. Here’s the company’s estimated response times:

• Vehicle Total Loss: If your vehicle is considered a total loss, the insurer says the claims department can evaluate it and get you into a rental vehicle in 48 to 72 hours.
• Vehicle Damage Estimates: If you need a quick estimate on a recent accident, the insurer says its claims department can provide an estimate in an average of 24 hours.

This insurer has a high complaint index with the National Association of Insurance Commissioners (NAIC), which means they have received a high number of complaints for a company of its size.

How Jerry customers rate Commonwealth

Here’s how dozens of Commonwealth customers have rated the insurer via Jerry.

Commonwealth car insurance discounts

If you value policy discounts, Commonwealth may not be the insurance company for you. This provider only offers a few opportunities to get a discount.

• Multi-Policy Discount: Save on your premium when you bundle your auto insurance with your home or renters insurance.
• Safe Driving Discount: If you have three to five years of safe driving experience in Arizona, you may be eligible for a reduced insurance rate. You must not have had any speeding tickets, at-fault accidents or other severe violations on your driving record to be eligible.

The insurer also offers a vanishing deductible feature, which reduces your deductible by $100 for every year you go without an at-fault accident on your record. Although it won’t reduce your monthly payments, it can considerably reduce the amount you pay when you file a claim.

Commonwealth coverage options

Like most insurers, Commonwealth offers the basic types of car insurance, including:

• Liability coverage: Covers the cost of damages to others in an at-fault accident up to your policy’s limit. It’s comprised of bodily injury liability coverage, which covers the cost of others’ medical bills, and property damage liability coverage, which pays for damaged personal property. Liability coverage is legally required in most states. 
• Collision Coverage: Pays for damage and repairs if you’re involved in a collision, whether you’re at fault or not. A standard collision policy usually extends to incidents where you hit another car or stationary object. Collision insurance requires you to pay an insurance deductible. 
• Comprehensive Coverage: Once you pay a comprehensive deductible, this pays for most vehicle damages not covered by a collision policy, like animal damage or damage to your vehicle due to hail, snow, floods, fire and other acts of God. A comprehensive policy will also cover property crimes like car theft and vandalism.
• Uninsured/Underinsured Motorist Coverage: Pays for medical bills if you’re involved in an accident with an at-fault driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses. Uninsured motorist coverage is required in some states. 
• Medical Payments: Covers the cost of medical expenses or funeral costs for you and your passengers, even if you were at fault. 
• Personal injury protection (PIP): Similar to MedPay, PIP covers medical expenses associated with an accident and additional costs like rehab bills, funeral expenses and lost wages. PIP is required coverage in no-fault states.

The insurer also offers the following optional coverages:

• Rental reimbursement: Covers the cost of a rental while your vehicle is being repaired after a covered accident.
• Accidental death and dismemberment: If you or a passenger are seriously injured or killed by a driver, Commonwealth will cover the costs (up to the determined level) for funeral and medical expenses.
• Rideshare coverage: If you drive for a ride-hailing service, you may not have coverage for the time when you’ve finished one assignment and are waiting for the next. Rideshare coverage fills that gap.
• Coverage for custom/additional equipment: This add-on coverage provides up to $2,500 for aftermarket equipment installed in your vehicle, including coverage for upgraded sound systems, aftermarket cameras or rims.
• Safety equipment: This coverage pays for the glass components of your headlights, taillights or windshield if they’re damaged in an accident — and there’s no deductible. This is only available if you have comprehensive coverage.
• Roadside assistance: Roadside assistance, also called towing and labor coverage, helps cover the cost of flat tire repairs, towing, battery jumpstarts, emergency fuel deliveries and more.

Commonwealth also allows drivers to remove the named driver restriction. Under normal circumstances, only the named driver on a Commonwealth policy can drive the car. If you purchase this coverage, non-resident drivers are legally allowed drive your car and can be covered by the same policy in case of an accident.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.