Arrowhead Car Insurance Review: Ratings and Quotes (2024)

Arrowhead Insurance offers a variety of products, including auto and commercial insurance.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 6+ years writing about insurance, travel, and personal finances

  • Contributor to brands like Credible

In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 21, 2023

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Arrowhead General Insurance Agency is a specialty insurance agency that primarily serves commercial entities. Many of its products are auto-based, such as automotive aftermarket and truck rental coverage, though it does provide some personal auto insurance products. Because Arrowhead’s expertise is in commercial and specialty insurance, some drivers may feel more comfortable getting coverage from a traditional personal auto insurer.[1]

Quick Facts
  • Certain insurance bundling options may be ideal for business owners in the automotive industry.

  • Personal auto insurance from Arrowhead might not be available in your state.

  • Arrowhead might not provide the depth of coverage options you desire.

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What is Arrowhead auto insurance?

Arrowhead General Insurance Agency was founded in 1983 and acquired by Brown & Brown, Inc., in 2011. The insurer’s aim is to provide innovative risk solutions to its clients across a number of verticals, such as excess and surplus lines commercial property, manufactured housing, and small-business special risk.[2]

Arrowhead can write personal auto insurance policies for some car owners, too. It also allows eligible policyholders to bundle multiple policies underwritten by other Brown & Brown, Inc., brand insurers. You’ll need to contact the company directly to learn if you qualify.

Read More: The 10 Best and Worst Car Insurance Comparison Sites

Read More: The 10 Best and Worst Car Insurance Comparison Sites

Arrowhead car insurance cost

The cost of Arrowhead car insurance, and any car insurance policy, will vary based on a multitude of factors, including your state, driving history, and age. Other factors, like your credit score and marital status, can also affect rates, though not as significantly.

Cost by state

The state and town you live in can affect your car insurance costs no matter your driving history, age, or vehicle type. For instance, one driver living in a major city might pay more than a driver living in a rural town because cities typically have a higher number of cars on the road and a higher frequency of car crashes.[3]

Cost by driving history

Your driving record has a major effect on your car insurance rates, as it’s a strong indicator of how safe of a driver you are. For instance, speeding tickets and at-fault accidents will typically raise your rates.

Because these incidents can stay on your record driving for three years or more, they can affect not only the rates you have with your current insurer but also your rates and eligibility with future insurers.

Cost by age

Your age directly affects your car insurance costs. Typically, the youngest and oldest drivers tend to pay more. Teens, for example, are almost four times more likely to be in a car crash compared to drivers 20 and older.[4] Drivers over 70 also have higher fatal crash rates than middle-aged drivers, which is part of why drivers younger than 20 and older than 70 pay higher average rates.[5]

Check Out: Cheapest Car Insurance Companies with Affordable Rates

Check Out: Cheapest Car Insurance Companies with Affordable Rates

Arrowhead discounts and bundling options

Arrowhead offers a number of specialty and commercial insurance products, such as railroad, small-business special risk, tribal, and booksellers insurance programs. Although Arrowhead doesn’t explicitly state it offers bundling discounts, it may offer some to select customers. Due to limited information, you may need to call the insurer and ask if you qualify.

Bundling can reduce the overall amount you pay for the combined policies.[6] Along with discounts, you might find it easier to manage multiple policies through a single insurer, especially when you’re able to combine policies like standard auto insurance with ones like earthquake insurance that not all insurers offer.

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Arrowhead reviews and ratings

According to customer reviews on websites like Facebook and the Better Business Bureau (BBB), Arrowhead generally receives poor feedback and low ratings. Though it’s important to consider others’ first-hand experiences as you shop for auto insurance, remember that your actual experience with any insurer will depend on your own personal expectations and interactions.

Arrowhead customer reviews

With a rating of 1 star out of 5 and a C- grade, Arrowhead has a low standing with the BBB.[7] All customers left a one-star review, with many citing problems related to homeowners insurance premiums and claims, and there are no reviews specifically referencing auto insurance.

Arrowhead doesn’t have a profile for reviews on Trustpilot or Google. However, its Facebook page does have 115 reviews and a 3.3 rating. Though many positive reviews are unrelated spam comments, the reviews from seemingly legitimate customers aren’t favorable. Many cite delayed responses or results from claims.

Arrowhead ratings

You should consider ratings from third-party companies that compare the merits of an insurer when choosing an auto insurer. Unfortunately, Arrowhead isn’t rated by A.M. Best, J.D. Power, or the NAIC. Its only rating is a C- from the BBB.

Arrowhead vs. other insurance companies

The auto insurance market is highly saturated with hundreds of insurers, which means drivers have plenty of options to consider regardless of their location.

Make sure you’re looking at more than just the average policy rates for your area when comparing car insurance companies. Consider third-party ratings, customer reviews, coverage availability, and discount opportunities to find the insurer that meets your needs and budget.

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Arrowhead vs. Allstate

Allstate was founded in the 1930s and began selling car insurance products in the 1960s. Its Drivewise app was the first mobile telematics app in the industry. Allstate drivers pay an average of $146 for liability-only coverage each month and an average of $212 per month for full-coverage policies.

Both Allstate and Arrowhead offer specialty insurance products alongside their auto products; Allstate’s unique options include pet, event, and retirement insurance.

Unlike Arrowhead, Allstate has a wider range of personal auto insurance products that may better cater to some drivers. For instance, if you only need minimal insurance because you rarely drive, you can maximize savings by signing up for Allstate’s pay-per-mile program, Milewise.

Arrowhead vs. Farmers

Founded in 1928, Farmers offers a variety of auto insurance products, including personal car insurance and collectible auto insurance. Drivers with Farmers pay an average of $218 for liability-only coverage each month and an average of $317 per month for full-coverage policies.

Farmers may be a better choice than Arrowhead for personal car insurance if you’re interested in bundling insurance products such as RVs and travel trailers with accidental death insurance and vacant home insurance.

Arrowhead vs. State Farm

State Farm has an A.M. Best financial strength rating of A++ (Superior) and more than a century of experience in the auto insurance industry.[8] Drivers with State Farm pay an average of $125 for liability-only coverage per month and an average of $175 per month for full-coverage policies.

If you need specialty coverage as a driver for a rideshare company like Uber or Lyft, State Farm has more options that may fit your needs than Arrowhead, including rideshare insurance.

Learn More: The 10 Best Car Insurance Companies

Learn More: The 10 Best Car Insurance Companies

How to file an auto insurance claim with Arrowhead

An auto insurance claim is an official record of an accident you file with your insurance company. Claims can be filed when you’re at fault for the accident and when an incident, such as severe weather or vandalism, damages your vehicle.

Two ways to file a claim with Arrowhead include contacting its American Claims Management department by calling 1 (877) 777-6440 or emailing the insurer at: newnosses@acmclaims.com. Unfortunately, Arrowhead doesn’t provide an online portal or submission system for filing a claim.

You also find claim submission information by following these steps:

  1. Visit Arrowhead’s website and click “Claims” at the top of the screen.

  2. Choose the claims category relevant to your needs from the dropdown menu (for instance, “Automotive Aftermarket,” “Personal Umbrella,” or “Towing”).

  3. Contact information for each category, including address, email address, and phone number, will be displayed.

Arrowhead Insurance FAQs

Arrowhead does provide auto insurance, but because it operates more as a brokerage than as a traditional insurer, it’s normal to have questions. Use the answers to these commonly asked questions to help inform your decision.

  • Is Arrowhead legitimate?

    Yes. Arrowhead General Insurance Agency is a legitimate insurance brokerage utilizing the underwriting services of Universal North America Insurance Company to provide legitimate auto insurance coverage.

  • Is Arrowhead car insurance worth it?

    It depends. Car insurance policies from Arrowhead may be worthwhile for drivers who are trying to bundle their auto policy with another insurance product, such as homeowners, commercial, or specialty insurance policies.

    Drivers who need a more traditional insurer may be more comfortable seeking out policies from another insurance company like State Farm, Famers, or Allstate.

  • Who owns Arrowhead?

    Brown & Brown, Inc., an insurance brokerage firm headquartered in Daytona Beach, Florida, acquired Arrowhead General Insurance Agency in late 2011. Brown & Brown, Inc., was founded in 1939 and is one of the largest independent insurance brokerages in the U.S. It has nearly 500 locations across the country that provide risk-management solutions.[9]

  • Who should get Arrowhead insurance?

    Arrowhead insurance might be a good option for drivers who need specific additional insurance coverages. Arrowhead also offers homeowners, dwelling, personal umbrella, and residential earthquake insurance. Arrowhead may be more applicable for residents of California, for example, who may be more at risk for earthquakes than Floridians.

Sources

  1. Arrowhead. "Automotive Aftermarket - Product Info."
  2. Arrowhead. "About Us."
  3. Insurance Information Institute. "Why did my auto insurance costs go up even when I didn’t file a claim?."
  4. Insurance Institute for Highway Safety. "Teenagers."
  5. Insurance Institute for Highway Safety. "Older Drivers."
  6. National Association of Insurance Commissioners. "Bundling."
  7. Better Business Bureau. "Arrowhead General Insurance Agency Inc."
  8. A.M. Best. "AM Best Affirms Credit Ratings of State Farm Mutual Automobile Insurance Company and Most of Its Subsidiaries."
  9. Brown & Brown Insurance. "About Us."
Nick Dauk
Nick Dauk

Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.

For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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