In a study of real insurance policyholders’ experiences, the Jerry research team ranked Commonwealth Insurance in the top 20 insurance companies of 2023.

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Updated on Sep 19, 2023

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

Reviewed by Josh Damico, Vice President Insurance Operations

Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

What's on this page?

Comprehensive Commonwealth Car Insurance Review
So, is Commonwealth a good insurance company?
Commonwealth car insurance reviews
Commonwealth pros and cons
Is Commonwealth the right insurance company for you?
Is Commonwealth car insurance expensive?
Find real Commonwealth car insurance quotes
Will Commonwealth raise your rates?
Does Commonwealth resolve claims fast?
Does Commonwealth have good customer service?
Commonwealth car insurance discounts
Commonwealth coverage options
Commonwealth ’s additional tools and services
FAQs
Read all Commonwealth Car Insurance Reviews
Methodology
Meet Our Experts

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Comprehensive Commonwealth Car Insurance Review

Commonwealth Casualty Company is a home and auto insurance company based out of Phoenix, Arizona—and it’s ideal for drivers who want no-frills car insurance. They’re not as big as many major insurers, but Commonwealth ranks well in the list of the top car insurance companies of 2023, according to first-hand reviews analyzed by Jerry’s research team.

Jerry

experts conducted one of the most extensive car insurance reviews in the United States to collect car insurance information over 18 months.

After reviewing the data from over 120 insurance providers, our experts ranked Commonwealth 14th overall compared to companies of similar size and popularity.

Here’s a breakdown of how our verified Commonwealth policyholders ranked their insurers:

4.6

54 Reviews

5 Stars

74.07%

4 Stars

16.67%

3 Stars

5.56%

2 Stars

5.56%

1 Star

-1.85%

We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

So, is Commonwealth a good insurance company?

Overall, yes.

Our experts analyzed nearly 150 real customer reviews from Commonwealth and found that of those reviews, 69% of respondents had positive things to say about the insurance provider, while just 7.69% of the reviews were negative.

Compared to the national average of only 64% positive reviews and 18.54% negative reviews, Commonwealth ranked just above the average, suggesting consumers are happy having auto insurance with this provider.

That said, Commonwealth Insurance tends to cater to Arizona and Texas drivers on a budget by providing low-cost auto insurance. They don’t offer a large selection of add-on coverages like many other larger insurers, so they may not be the best option for drivers looking for extensive coverage. But if you want to cover the basics without spending a fortune, you may find Commonwealth a good choice.

The good: Positive Commonwealth auto insurance reviews focused on affordable policy pricing, app ease of use, and prompt communication. They also enjoyed:

The loyalty, and reward programs

Billing options

Positive claims process

The other side: Negative reviews focused on limited coverage options, no mobile app accessibility, and coverage availability.

Jump to:

Commonwealth Car Insurance Reviews

Commonwealth Pros and Cons

Compare Commonwealth Quotes

We asked policyholders to rate Commonwealth on their affordability, claims experience, customer service, and renewal process.

See how Commonwealth’s ratings compared to the national average of all companies surveyed below:

Criteria	Commonwealth Insurance's Rating	Industry Average
Overall	4.1	4.1
Cost / Price	4.1	3.8
Claim Experience	3.5	3.5
Customer Service	4.4	4
Renewal Experience	4.3	4

Although Commonwealth Insurance might not be the biggest provider and may have a limited customer base, they focus on offering affordable insurance policies made for the people by the people.

When evaluating Commonwealth’s strengths and weaknesses, we wanted to check out how other industry leaders rated Commonwealth on top of our survey data from real drivers. Here’s how they rank against the national average for other insurance companies in the US:

Critera	Commonwealth	Score Out Of
BBB Rating	A+	A+
NAIC Rating	0.84	6
Clearsurance	4.57	5
A.M. Best Rating	A-	A++
IOS App Store Rating	N/A	5
Google Play Store Rating	N/A	5

Please note* that a greater NAIC score indicates increased risk.

Commonwealth car insurance reviews

Not only did we ask actual policyholders to rate Commonwealth in several specific categories that we were interested in, but we also wanted to hear what they had to say! Keep reading for real reviews from Commonwealth car insurance customers:

Commonwealth pros and cons

Based on our analysis of both our national insurance customer satisfaction survey and the public third-party ratings available for Commonwealth, here’s a breakdown of some of the pros and cons of buying a car insurance policy through Commonwealth:

Pros

Availability of online quotes

Affordable policy pricing

Savings for drivers who bundle policies (home and auto)

Vanishing deductible program

Excellent customer service

Cons

Homeowners insurance

is only available in Arizona, and car insurance is only available in Arizona, Ohio, and Texas

No mobile app accesibility

Limited add-on coverage options

Financial strength not rated by AM Best

A higher-than-average number of private passenger customer complaints according to the National Association of Insurance Commissioners (NAIC)

Is Commonwealth the right insurance company for you?

Commonwealth is typically one of the best car insurance companies for drivers who:

Have a

clean driving record

Need a bare-bones insurance policy

Prefer local

roadside assistance

Remember: 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 might be a good option.

Commonwealth is currently only available in three states—Texas, Ohio, and Arizona. If you live in one of these states, various types of auto and home insurance are available at affordable rates.

Click on the buttons below to see the breakdown of our analysis of Commonwealth’s car insurance services.

Is Commonwealth car insurance expensive?

As a company, Commonwealth focuses on providing affordable insurance curated to a driver’s specific needs. Although insurance rates vary based on individual driving profiles and requirements, most drivers find that Commonwealth offers affordable policy pricing, discounts, and perks that can further reduce premiums.

According to our survey results, 32% of all surveyed Commonwealth reviews mentioned cost. Of those reviews, a whopping 87% had positive sentiment toward policy costs, while just 6.5% were negative.

Compared to other insurance companies of similar size, Commonwealth was ranked 12th overall for policy cost satisfaction and scored 4.0 stars out of 5—a tad bit higher than the national average of 3.81. Here’s how Commonwealth compared to the other companies in our study:

Commonwealth Insurance Policy Cost Rating	Ranking	Industry Average
4.1	12	3.8

Remember: Car insurance rates aren’t consistent across the board. Expect variations in premiums due to individual factors that can influence rates, so every quote from Commonwealth will differ. As with any other insurance provider, Commonwealth

calculates insurance premiums

based on the following:

Age

Gender

Driving record

ZIP code

Insurance history

Driving experience

Type and

coverage requirements

Vehicle make, model, and year

Although each state’s auto insurance companies can use different rating factors when calculating insurance rates, there are general cost trends in each state where Commonwealth operates. According to our data, here’s how Commonwealth trends:

MORE:

The average cost of car insurance in 2023

Commonwealth cost reviews

Check out how real Jerry users rated Commonwealth based on cost.

Find real Commonwealth car insurance quotes

Luckily,

Jerry

can help you figure out if a car insurance policy through Commonwealth is right for you—and it’s free! We’ve helped millions of drivers like you

compare auto insurance quotes

from Commonwealth and more than 55 other insurance providers in seconds.

Here are some recent insurance quotes from Commonwealth to help you best understand how your driver profile might affect the cost of a policy:

Premium (monthly)	Customer	Car	Insurance Coverage
$93	Flora, 24 Victoria, TX	Honda Civic EX	• State Minimum Liability
$109	Anne, 43 Ripley, OH	Nissan Sentra S	• 50,000/100,000 Liability • Comp / Collision
$110	Ronald, 44 Hicksville, OH	Jeep Compass Sport	• State Minimum Liability • Comp / Collision
$168	Minerva, 45 Norwalk, OH	Chevrolet Malibu LS	• 50,000/100,000 Liability • Comp / Collision
$150	Sarah, 40 Shadyside, OH	Toyota RAV4 XLE	• 50,000/100,000 Liability • Comp / Collision

Last Updated Dec 23, 2024

Compare car insurance quotes now

Will Commonwealth raise your rates?

Like all insurance carriers, Commonwealth can only increase your premium when your policy is

up for renewal

Some of the reasons your premium might increase with Commonwealth include:

New violations or tickets

New accidents

Change in address

New vehicle on a policy

New driver on a policy

Inflation

Age

According to our survey, 78.5% of drivers with an existing Commonwealth auto insurance policy chose to renew at the end of their policy term.

Remember: It’s important to understand that policy prices aren’t consistent, and insurers frequently change how they price their policies. As such, you can expect some variation over time—even if there are no changes to your driver profile.

Does Commonwealth resolve claims fast?

Commonwealth doesn’t specify how long it takes to resolve a

car insurance claim

, but the inability to file a claim online might make for a lengthier process. However, they do have an in-office claims adjusters available for personalized service.

Of the respondents in our survey, 78.5% reported having filed a claim with Commonwealth. While ranking 8th for claims processing compared to other insurance companies of similar size, the 2.3 out of 5.0 rating for claims and resolutions suggests most Commonwealth customers are not satisfied with the company’s claims processing.

Commonwealth Insurance Claims Resolution Rating	Ranking	Industry Average
3.5	8	3.5

As we mentioned, you cannot submit a claim online with Commonwealth. To file a claim, you’ll need to contact their claims department at 877-603-1310 and follow the phone prompts.

That said, Commonwealth offers two services that may be helpful if you’re involved in an accident:

Vehicle Total Loss: If your vehicle is considered a total loss, their local claims department can generally have it evaluated and get you into a rental vehicle within 48-72 hours.

Vehicle Damage Estimates: If you need a quick estimate on a recent accident, you can contact the claims department, who will provide an estimate in an average of 24 hours.

Does Commonwealth have good customer service?

Yes—customer service is an area where Commonwealth excels.

Survey respondents scored Commonwealth’s customer service a 4.35 out of 5.0 and ranked them 8th compared to other companies of a similar size. Compared to the national average of 3.9 for customer service, Commonwealth is doing an excellent job, and customers are happy with their service.

Commonwealth Insurance Customer Service Rating	Ranking	Industry Average
4.4	8	4

Highly-rated reviews about Commonwealth’s customer service mentioned things like great communication, fast and easy process, excellent support, and very friendly and attentive agents.

Keep reading to see how survey respondents rated Commonwealth’s customer service:

Commonwealth Customer Service Reviews

See what real Jerry users rated Commonwealth based on customer service:

Commonwealth car insurance discounts

For drivers looking to reduce costs, discounts are an essential area. However,

car insurance discounts

are one area where Commonwealth falls short—this provider only offers a few discounts

Here’s a breakdown of the available discounts with Commonwealth Casualty Car Insurance:

Multi-Policy Discount: Save on your premium when you bundle your auto insurance with your home or

renters insurance

Vanishing Deductible Discount: Although not a typical discount, you can add the vanishing deductibles benefit to your policy and reduce 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

filing a claim

Safe Driving Discount: If you have 3 to 5 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.

Commonwealth coverage options

Auto insurance coverage needs will vary between drivers due to individual circumstances and state regulations. Commonwealth offers many

types of car insurance

to meet the basic insurance needs of policyholders and several optional coverages that can be added to policies for more comprehensive coverage.

Typical insurance coverages from Commonwealth include:

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

Commonwealth ’s additional tools and services

Commonwealth also offers a variety of additional coverages, including:

Rental reimbursement

: If your vehicle is damaged in an approved claim and is being repaired, rental reimbursement coverage covers the cost of a rental car.

Accidental death and dismemberment: If you or a passenger are seriously injured or killed by a drunk driver, Commonwealth Casualty will cover the costs (up to the determined level) for funeral and medical expenses.

Rideshare coverage

: If you drive for a ride-sharing service, rideshare coverage fills in the gap where a company or personal insurance package leaves off while they’re on the job.

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: If your headlights, taillights, or windshield are damaged in a car crash, this coverage pays for the repair or replacement of the glass components of those elements—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 offers drivers the ability to remove the named driver restriction. Under normal circumstances, only the named driver on a Commonwealth Casualty insurance policy can drive the car. If you purchase this coverage, non-resident drivers will also be allowed to legally drive your car and be covered by the same policy in case of an accident.

Note: Coverage options may differ based on location, so contact your local Commonwealth Insurance agent to see what’s available in your area.

MORE:

Types of car insurance: Mandatory and optional coverages explained

FAQs

What types of insurance does Commonwealth Casualty offer?

Commonwealth offers a range of insurance products for drivers. They sell the basic insurance coverages to help you meet your state’s minimum insurance requirements—liability, uninsured/underinsured motorist coverage, and PIP/MedPay—along with add-on coverages such as rental reimbursement, rideshare coverage, comprehensive, collision, and roadside assistance.

How do you file a claim with Commonwealth Casualty?

Commonwealth doesn’t offer customers the option to file a claim online, so you’ll need to contact their claims department by calling 877-603-1310 and following the phone prompts.

How long does it take for Commonwealth Casualty to process a claim?

Commonwealth doesn’t release specific information about the time needed to process a claim, but most insurers will resolve claims within about 30 days. However, there’s no online filing process with Commonwealth, so it may take longer.

Read all Commonwealth Car Insurance Reviews

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.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.