Commonwealth Auto Insurance: User Reviews and Quotes 2025
Commonwealth Insurance offers auto insurance in only a few states and has lower ratings and fewer discounts than its competitors.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Data reviewed byKonstantin Halachev
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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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Table of contents
Founded in 2010, Commonwealth Casualty Company, also known as Commonwealth Insurance, offers auto insurance coverage in only three states. The super-regional company has a major focus on community by partnering with organizations like Habitat for Humanity and the Special Olympics, with many of its employees volunteering.
Though Commonwealth may have a good mission, its auto insurance tends to cost more, with limited discounts available. It’s important to compare multiple companies, discounts, and rates before deciding on an insurance policy.
Keep reading to learn more about the company and what to consider before getting coverage from a Commonwealth agent.
Quick Facts
Commonwealth Insurance offers auto insurance coverage, including a vanishing deductible and rental reimbursement coverage.
The company doesn’t have many third-party ratings, and its reviews are mostly negative.
Commonwealth offers full-coverage insurance for an average monthly rate of $208 and liability insurance for $86.
How Commonwealth compares to other insurance companies
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $86/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $208/mo |
3.7
A solid optionBased on 38 verified guest reviews and ratings
How drivers feel about Commonwealth Casualty
Drivers appreciate the initial affordability and courteous service but dislike the unexpected rate increases and limited online resources.
AI-generated from the text of verified reviews collected by Insurify
Best For
Vanishing deductible
Arizona, Ohio, and Texas drivers
Bundling discounts
How drivers feel about Commonwealth Casualty
Drivers appreciate the initial affordability and courteous service but dislike the unexpected rate increases and limited online resources.
AI-generated from the text of verified reviews collected by Insurify
Best For
Vanishing deductible
Arizona, Ohio, and Texas drivers
Bundling discounts
Reviews (17)
Karen
Verified Review
Constant Price Increase
Reviewed in Arizona on September 2024
Your prices were fabulous, but then you started increasing them. Can you offer me a better price than what you're giving me now?
Greg
Verified Review
Decent, Well-Priced Policy
Reviewed in Texas on July 2024
It's better than average.
Raymundo
Verified Review
Lackluster Experience
Reviewed in Texas on July 2024
My rates have increased by $200 upon renewal with them. I have had no tickets or accidents, yet the rates went up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Compared to other insurance companies, Commonwealth tends to have higher rates and fewer discounts. Commonwealth is currently only available in Arizona, Ohio, and Texas.
The company doesn’t have a financial strength rating from AM Best yet, making it tough to compare its financial strength and stability to competitors. From a customer service standpoint, Commonwealth Insurance is on par with its primary competitors.
The table below compares Commonwealth with other regional insurers like AssuranceAmerica, 21st Century, Anchor, and Infinity.
Factor  | How Commonwealth Compares |
|---|---|
| Rates | Higher than competitors |
| Customer service | Similar to competitors |
| Discounts | Fewer than competitors |
| Availability | Less than competitors |
| Financial strength | Not rated |
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How Commonwealth’s rates compare to competitors
Commonwealth is more expensive than its competitors. If you’re interested in Commonwealth but want a cheaper policy, consider a liability-only policy that averages $118 monthly.
Check out the table below to see how Commonwealth stacks up to its competitors.
Insurance Company | Full-Coverage Rates |
|---|---|
| AssuranceAmerica | $238 |
| 21st Century | $233 |
| Anchor | $169 |
| Commonwealth Casualty | $208 |
| Infinity | $281 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Commonwealth auto insurance
Drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record, such as a speeding ticket, an at-fault accident, or a DUI, experience higher rates. Insurance companies consider high-risk drivers to be more likely to file a claim, so they charge higher rates to make up for the possible financial loss.
Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers pay the lowest rates because they have the most experience.
Check out the table below to see how Commonwealth’s monthly liability-only rates fluctuate depending on your driver profile, and how its averages compare to national averages.
Driver | Commonwealth Average Quote | National Average |
|---|---|---|
| Drivers with a clean record | $86 | $100 |
| Drivers with a speeding ticket | $96 | $127 |
| Drivers with an at-fault accident | $113 | $133 |
| Drivers with a DUI | $127 | $147 |
| Teen drivers | $160 | $193 |
| Senior drivers | $65 | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Commonwealth car insurance cost by state
The cost of Commonwealth car insurance varies by state and ZIP code. Each state has its own minimum liability coverage requirements, so car insurance premiums fluctuate based on local laws.[1] Your driving history and risk profile also affect rates, so if you’ve had a car accident, you’ll pay more than if you had a clean driving record.
Here are the states where Commonwealth Insurance operates, and its average monthly liability-only rates compared to state averages.
State | Commonwealth Average Quote | State Average |
|---|---|---|
| Arizona | $138 | $93 |
| Ohio | $74 | $69 |
| Texas | $126 | $120 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Commonwealth car insurance discounts
To find affordable insurance, research discounts from different insurers to find the best option. Commonwealth Insurance has very limited car insurance discounts. In fact, the company website lists only a multi-policy discount. Customers who bundle auto insurance with home or renters insurance can save with this discount, although the amount isn’t listed.
How customers feel about Commonwealth
Commonwealth Insurance reviews are tough to find. Third-party providers, like Trustpilot and J.D. Power, don’t currently have Commonwealth ratings. But the sites that do have reviews aren’t very positive.
Commonwealth has an A+ rating from the Better Business Bureau (BBB). While that’s positive, the flip side is Commonwealth has 2.61 out of 5 stars on BBB based on 51 customer reviews.[2]
Commonwealth Insurance reviews on Yelp give the company a rating of 1.9 out of 5 stars based on 104 reviews. The company also has a higher-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) Complaint Index.[3]
Commonwealth customer reviews
You may not find Commonwealth Insurance reviews on a major site, likely due to the company’s limited availability in three states. But we’ve rounded up real, verified users providing honest feedback about the company.
Karen
Verified Review
Constant Price Increase
Reviewed in Arizona on September 2024
Your prices were fabulous, but then you started increasing them. Can you offer me a better price than what you're giving me now?
Greg
Verified Review
Decent, Well-Priced Policy
Reviewed in Texas on July 2024
It's better than average.
Raymundo
Verified Review
Lackluster Experience
Reviewed in Texas on July 2024
My rates have increased by $200 upon renewal with them. I have had no tickets or accidents, yet the rates went up.
Ron
Verified Review
The web resources are very limited. You can view and pay bills, but everything else seems to require a phone call or text messaging.
Reviewed in Arizona on July 2024
The web resources are very limited. You can view and pay bills, but everything else seems to require a phone call or text messaging.
Commonwealth ratings
Commonwealth Insurance doesn’t have many reviews and ratings. AM Best provides financial strength ratings, while J.D. Power typically looks at customer satisfaction and user experience so you can compare how the company stacks up to its competitors.
Unfortunately, Commonwealth isn’t rated by either company. But the NAIC Complaint Index shows a higher-than-expected number of people making a formal complaint.
Rating | Score | What This Means |
|---|---|---|
| AM Best | Not rated | N/A |
| BBB | A+ | Good company transparency |
| NAIC Complaint Index | 3.05 | Higher than expected average of 1.0 |
Commonwealth car insurance coverage options
Commonwealth Insurance offers state-minimum liability insurance in addition to comprehensive and collision coverage. The insurance company has similar policies to its competitors. But some more unique options include a vanishing deductible and rental reimbursement coverage.
Here’s an overview of Commonwealth car insurance coverage options:
Liability coverage
This comes with two parts: bodily injury liability and property damage liability. Your state of residence typically requires minimum amounts of coverage. If you’re in an incident and cause any injuries or property damage to another driver or vehicle, liability insurance covers costs, protecting your liability.
Collision coverage
Collision insurance covers damage related to car accidents or hitting another object in a covered event.
Comprehensive coverage
Comprehensive insurance protects you if your car is damaged by a rock or tree, theft, fire, or flood.
Uninsured/underinsured motorist coverage
If you get into an accident with an uninsured or underinsured driver, uninsured/underinsured motorist coverage can help pay for damages.
Safety equipment coverage
If you get comprehensive coverage, this add-on waives any deductible if there’s damage to your car’s glass, such as windshield or headlights.
Named driver restriction removal
This add-on extends coverage to a driver even if they aren’t listed in the policy, so long as they have a driver’s license and don’t live with you or frequently use your car.
Rental reimbursement coverage
If there’s a loss under your comprehensive or collision insurance policies, this coverage can help pay for rental car costs. Commonwealth Insurance offers $20–$30 per day for 30 days.
Vanishing deductible
Your deductible goes down by $100 every year your insurance policy is in place without any claims. If you go many years without a claim, the reduction gets capped at $500.
Rideshare coverage
If you use your insured vehicle for ridesharing or transporting goods through a delivery app, look into this add-on, which can fill any gaps so you’re always protected.
Roadside assistance
You can purchase roadside assistance, which helps in a variety of situations, such as having a flat tire, needing a tow, or getting locked out of your car.
If you’re interested in these coverage options, you can chat with an agent or fill out the “Contact Us” form on Commonwealth’s website and provide your personal information and contact information, such as your email address and phone number.
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Other options for Commonwealth customers
Commonwealth offers a couple other insurance products aside from auto insurance coverage:
Home insurance: You can insure your property and personal belongings, get water backup protection, and buy service line coverage. Commonwealth’s homeowners insurance offers more discounts than auto insurance, including a new purchase discount.
Renters insurance: You can get liability coverage for your apartment, personal property coverage, loss of use, and more with renters insurance.
If you combine either of these options with Commonwealth’s auto insurance, you can qualify for a multi-policy discount.
Commonwealth insurance FAQs
Finding the right insurance can be confusing. If you’re considering Commonwealth insurance, this additional information may help.
Is Commonwealth legitimate?
Yes. Commonwealth Insurance is a legitimate insurance company that offers auto, home, and renters policies. The company has an A+ rating with the Better Business Bureau and operates in three states: Arizona, Ohio, and Texas.
What is the average cost of Commonwealth car insurance?
The average cost of Commonwealth car insurance is $86 per month for liability insurance and $208 for full coverage. Premiums vary by driver, location, and risk profile, as well as by state due to minimum liability coverage requirements.
Is Commonwealth good at paying claims?
Commonwealth doesn’t have an AM Best rating for financial strength or a J.D. Power rating, so it’s hard to determine the company’s financial strength and customer claims satisfaction. Some customers on the BBB website complain about the claims process being slow and a lack of responsiveness.
How do you cancel your Commonwealth insurance policy?
To cancel your Commonwealth insurance policy, you’ll need to call customer service at 1 (877) 603-1310. When you reach a representative, ask about the process and what you need to do to cancel your policy.
What types of coverages does Commonwealth offer?
Commonwealth Insurance provides auto, renters, and home insurance policies with many different additional coverage options. For example, you can get standard liability or full-coverage car insurance plus uninsured motorist coverage and rental reimbursement coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- III. "Auto insurance basics—understanding your coverage."
- Better Business Bureau. "Commonwealth Casualty Company."
- Naic.org. "Consumer Insurance Refined Search Results."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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.