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. <\/p>\n\n\n\n
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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.<\/em><\/p>\n\n\n\n Commonwealth is a Phoenix-based auto insurer with a relatively small market share but high ratings from Jerry customers.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n 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. <\/p>\n\n\n\n If you\u2019re 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.<\/p>\n\n\n\n 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.<\/p>\n\n\n\n Your premium is determined by a number of factors<\/a>, 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.<\/p>\n\n\n\n Here\u2019s a look at Commonwealth\u2019s car insurance rates quoted for real Jerry customers:<\/p>\n\n\n\n\n\n With Commonwealth, you can lower your rates by:<\/p>\n\n\n\n Commonwealth offers the most common types of coverage<\/a>, including collision, comprehensive, bodily injury liability, property damage liability and uninsured\/underinsured motorist protection.<\/p>\n\n\n\n Commonwealth also offers the following optional protections:<\/p>\n\n\n\n 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\u2019t received some of the more common ratings from agencies like AM Best or J.D. Power. While a lack of rating isn\u2019t necessarily a negative thing, it limits the information available to drivers who are considering a policy.<\/p>\n\n\n\n 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. <\/p>\n\n\n\nWho is Commonwealth best for?<\/h2>\n\n\n\n
How much does Commonwealth car insurance cost?<\/h2>\n\n\n\n
Commonwealth car insurance rates<\/h2>\n\n\n\n
Commonwealth car insurance discounts<\/h2>\n\n\n\n
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Commonwealth car insurance coverage options<\/h2>\n\n\n\n
Coverage<\/th> Definition<\/th><\/tr><\/thead> Collision insurance<\/a><\/td> An optional coverage type that pays to repair or replace your car if it\u2019s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle\u2019s repairs if your policy has collision coverage.<\/td><\/tr> Comprehensive insurance<\/a><\/td> 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.<\/td><\/tr> <\/a>Bodily injury liability (BI)<\/a><\/td> Pays others\u2019 medical costs in an accident you cause, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr> <\/a>Property damage liability (PD)<\/a><\/td> Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It\u2019s mandatory in most states.<\/td><\/tr> Personal injury protection (PIP)<\/a><\/td> Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states.<\/td><\/tr> Medical payments<\/a><\/td> 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.<\/td><\/tr> <\/a>Uninsured\/underinsured motorist coverage (UM\/UIM)<\/a><\/td> Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn\u2019t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n \n
Industry ratings of Commonwealth car insurance<\/h2>\n\n\n\n
NAIC <\/h3>\n\n\n\n
Qualitative rating<\/th> 3-year consumer complaint index<\/th><\/tr><\/thead> High<\/td> Above 1.5.<\/td><\/tr> Moderately high<\/td> 1 to 1.5.<\/td><\/tr> About average<\/td> Near 1.<\/td><\/tr> Moderately low<\/td> 1 to 0.5.<\/td><\/tr> Low<\/td> 0.5 to 0.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n