Our take
Commonwealth Casualty only sells insurance coverage 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
Jerry did not give Commonwealth a star rating due to a lack of available data. Each year, Jerry revises its rating system and may rate this insurer in the future.
Commonwealth is a Phoenix-based auto insurer with a relatively small market share but high ratings from Jerry customers.
There is no AM Best financial strength rating for Commonwealth, and the company is not included in J.D. Power industry rankings either. 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, according to our analysis of over 400,000 policies quoted to real Jerry customers from 24 unique insurers.
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 quoted for real Jerry customers:
|
Avg Monthly Quote
|
Car Make and Model
|
Has Full Coverage
|
Date of Policy
|
|---|---|---|---|
| $188 | Honda Civic | No | January 30, 2024 |
| $277 | Nissan Altima | Yes | October 17, 2024 |
| $971 | Ford Fusion | Yes | January 16, 2024 |
| $91 | Chevrolet Malibu | Yes | May 26, 2024 |
| $206 | Chrysler 200 | Yes | February 9, 2024 |
| $120 | Mercedes Benz Cla 250 | No | March 15, 2025 |
| $117 | Mitsubishi Galant | Yes | October 13, 2024 |
| $203 | Hyundai Elantra | Yes | March 19, 2025 |
| $146 | Jeep Liberty | Yes | September 30, 2024 |
| $129 | Nissan Altima | No | January 19, 2024 |
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 | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
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. [pattern]
Commonwealth auto insurance customer reviews
Dozens of Jerry customers who have used and reviewed Commonwealth’s auto insurance have rated the company well.
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.
Methodology
We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.
Stephanie Colestock is a seasoned writer specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie\’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
