Commonwealth Casualty Insurance Review
- With 1.2/5 stars in 2024, Commonwealth Casualty is a poor insurance company.
- Read Commonwealth Casualty reviews, complaints and prices before you buy.
Commonwealth Casualty insurance: Ratings and reviews
Headquartered in Phoenix, Commonwealth Casualty has primarily served customers in the state of Arizona since its founding in 2010. As a smaller regional insurance company, Commonwealth prides itself on offering affordable insurance.
Let’s take a closer look at Commonwealth’s coverage options, discounts, and customer satisfaction ratings. Read on for a comprehensive review of Commonwealth Casualty Insurance.
The Zebra Customer Satisfaction Survey
Alongside third-party ratings, we like to include results from our own customer survey. Feedback from real customers indicated which auto insurance companies are the best in multiple categories. However, we did not collect a sufficient amount of data on Commonwealth for it to be included in individual categories.
How much does Commonwealth insurance cost?
Information on Commonwealth average premiums is limited, which makes it hard to provide an accurate review and calculate a fair rating.
It's important to remember that several personal factors are considered when policies are written, and premiums will vary based on things like age, driving history, geographic location, and vehicle type. It's worth getting a quote on auto insurance in your area to see if Commonwealth can offer coverage within your budget.
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.
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What types of coverages does Commonwealth offer?
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. These are detailed below.
- Rental reimbursement - This will cover the cost of your rental car if your own is out of commission due to a covered loss. Commonwealth lets policyholders choose either $20 or $30 per day for up to 30 days of rental car coverage.
- Vanishing deductible - Your deductible is reduced by $100 for every year your Commonwealth auto policy is free of claims, up to a maximum of $500. Learn more about vanishing deductibles.
- Safety equipment coverage - This coverage waives your comprehensive deductible when a loss has occurred to the car's glass. This add-on is available only if you've enrolled in comprehensive coverage.
- Named driver restriction removal - Normally, comprehensive and collision coverage only applies to the driver named on the policy. This endorsement allows these coverages to apply to a licensed driver who is not listed on the policy.
Read more about these optional coverages here.
Commonwealth Casualty insurance: Summary
If you’re not too concerned with getting discounts on your car insurance policy, Commonwealth Casualty could be a good option with competitive coverage options. Arizona drivers or homeowners seeking the services of a more local insurance company may find a good fit with Commonwealth Insurance, as they have many retail locations in Arizona if you prefer the personalized service of an insurance agent. Still, the company's poor customer complaint rating leaves something to be desired, and the insurer's financial strength remains unknown — so Commonwealth’s ability to pay out on claims has yet to be determined.
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Commonwealth Casualty insurance: Frequently asked questions
Is Commonwealth Casualty a good insurance company?
Commonwealth Casualty may be a good choice for Arizona residents looking for a local insurance company with competitive coverage options, especially if they prefer in-person service. However, its poor customer complaint history and limited online services raise concerns about its overall reliability and customer satisfaction.
Is Commonwealth insurance legit?
Yes, Commonwealth Casualty is a legitimate insurer with an A+ rating with the BBB.
What states does Commonwealth insurance cover?
Commonwealth Casualty is available in Arizona.
What does Commonwealth insurance cover?
Commonwealth Insurance offers homeowners, auto, renters, and renters insurance as well as roadside assistance.
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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.