Commonwealth Casualty Insurance Review (2025)
- Overall rating: fair (2.4/5 stars)
- Digital Experience Score: Fair (2/5 stars)
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Commonwealth Casualty Insurance: A fair choice for Arizona residents
Commonwealth Casualty is a regional insurer available only in Arizona, offering auto, home, and renters insurance. While it provides some additional car insurance coverage options, it falls short on discounts — with just one publicly available.
The claims experience is reported as subpar, which may be a concern for some drivers. Based on these factors, The Zebra gives Commonwealth Casualty a fair rating.
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Financial Strength Ratings: Strong ratings indicate the carrier can pay claims during major events.
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Consistency in Policy Terms: Stable terms provide predictable coverage at renewal.
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Average Processing Time: Slow processing delays reimbursement when you need funds.
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Regulatory Actions or Complaints: Frequent complaints suggest problems with claims and customer service.
How The Zebra evaluates insurance companies
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
How much is Commonwealth Casualty car insurance?
Accurate pricing information for Commonwealth Casualty is limited, making it difficult to assess how its rates compare to the national average — currently around $1,084 for a 6-month policy.[1] Since premiums vary based on factors like age, location, driving history, and vehicle type, the best way to determine if Commonwealth fits your budget is to get a personalized quote and compare it with other options during your search.
See how Commonwealth Casualty stacks up against competitors →
Discounts offered at Commonwealth Casualty: Extremely limited
Despite Commonwealth’s robust coverage options, the insurer is lacking on the discount front. Commonwealth's sole car insurance discount is a multi-policy discount for bundling your auto policy with homeowners or renters policy. This is a popular discount provided by most insurance companies that offer multiple lines of insurance.
Compare with other companies
See how Commonwealth Casualty stacks up against similar companies
Cost: Unavailable
Customer satisfaction: Medium
Our take:
- Only available in Arizona
- Poor customer complaint history
- Home and auto bundles available
Cost: $794 for a six month auto policy
Customer satisfaction: High
Our take:
- Better digital experience scores than Commonwealth Casualty
- Better claims satisfaction scores than Commonwealth Casualty
- Better discount options than Commonwealth Casualty
Cost: $1,411 average cost for a six-month policy
Customer satisfaction: Medium
Our take:
- Better trust and reliability scores than Commonwealth Casualty
- Better digital experience scores than Commonwealth Casualty
- Better claims satisfaction scores than Commonwealth Casualty
Commonwealth Casualty's customer service & claims experience: A mix of positive and negative
Customers report a jarring inconsistency in Commonwealth Casualty's service. The easy-to-use digital tools for simple tasks do not reflect the poor communication and long delays often encountered when trying to resolve more complex or disputed claims.
Mishandled!
"Claims handling was abysmal and this company should be looked into by the state for unfair claims practices. I was hit by one of their insureds and they ended up paying half of the damages. My vehicle was brand new and had 1200 miles on it and they indicated it was in Fair condition and suggested not all the repairs were needed, but I took it to the dealership's body shop and they insisted all repairs were necessary. Again, the state insurance department should look into this company as they're not handling claims in a fair, responsible and good faith manner and the public is being hurt as a result." - Yelp
Bad Bad Bad!
"Bad company — honestly, the worst I’ve ever had. I filed a claim and they responded at first, but then left me hanging. It’s been almost two months, and I still haven’t received any money for repairs to my truck. I haven’t heard back from their supervisor either. They say they’ll call, but they never do. I don’t recommend this company. Stay away." - Clearsurance
Endorsed by Someone with Fragile Health!
"My husband and I are newly married, and I suffer from an excruciating neurological disorder I've had since I was 12 that causes me to be wheelchair-bound. Therefore, it was really important to us that when we purchased our auto insurance, it included lots of extra coverage to cover the specialist bills I would need for many months after an accident of any magnitude. Commonwealth has exceeded our expectations without raising our prices. We couldn't be happier." - Clearsurance
Claims process: Lacks clarity
The claims process at Commonwealth Casualty offers convenience for straightforward cases through its online and mobile platforms. Customers often report speedy resolutions for simple matters, but more complex claims are known to take longer. This disparity in service is a key factor in the company's lower customer satisfaction survey results.
Coverage options: Flexible and customizable
All the coverages you’d expect from an insurance company are offered by Commonwealth— liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection. Customers can add some additional coverages to supplement their policies.
Final thoughts: Is Commonwealth Casualty right for you?
If discounts aren’t a top priority, Commonwealth Casualty may be a solid option, offering competitive coverage for drivers. Arizona residents, in particular, might appreciate its local presence, with multiple retail locations that cater to those who prefer in-person service from an agent. However, the company has a below-average customer complaint rating, and its financial strength is unclear — which raises questions about its ability to reliably pay out claims.
Frequently Asked Questions about Commonwealth Casualty
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.