Commonwealth Casualty insurance review 2024

Bankrate’s insurance editorial team used their real-world industry expertise to conduct an extensive Commonwealth Casualty Insurance review. Based on our assessment, drivers looking for no-frills car insurance in Arizona, Ohio or Texas may find Commonwealth Casualty car insurance ideal.

In the case of Commonwealth Casualty, “no-frills” means two things: a lack of digital tools and fairly basic coverage offerings. There’s no Commonwealth Casualty app, and online policy management options are limited. As for coverage, the company offers all the standard options — liability, comprehensive, collision and uninsured/underinsured motorist coverage, including uninsured motorist property damage where available — but further add-ons are limited. You can add roadside assistance, vanishing deductibles, rental reimbursement, rideshare insurance and waivers for glass damage (Commonwealth calls this “safety equipment coverage”). But if you’d like gap insurance, accident forgiveness or other add-ons, you may want to work with a different auto insurance company.

Pros and cons of Commonwealth Casualty car insurance

Gathering car insurance quotes can be intimidating, especially if you aren’t sure about your priorities for coverage. This is where a list of pros and cons can help. Determining your must-haves and what benefits you could do without may help you find the coverage that best fits your needs.

Commonwealth Casualty’s home insurance product is only available in Arizona. For Arizona homeowners, Commonwealth Casualty may offer advantages in the form of local claims adjusters and robust discounts.

Although the coverage options available with Commonwealth Casualty home insurance may not be as robust as some of the best home insurance companies, it offers a few more add-ons than it does with its auto insurance. Along with the standard financial protection for your dwelling, liability and personal property you could include water backup protection and service line coverage. Additionally, there’s the option to add golf cart coverage, which provides liability coverage while driving a golf cart and covers damage to your golf cart. You can also add special computer coverage, which provides a higher dollar amount of coverage for electronics like desktops, laptops, tablets, gaming equipment and related hardware.

Pros and cons of Commonwealth Casualty home insurance

If Commonwealth Casualty is a contender when you’re comparing home insurance quotes, you may want to keep some of the following perks and drawbacks in mind:

As a regional insurer, Commonwealth Casualty may not be for everyone (or it may not be available to you, depending on where you live). You might want to consider requesting quotes from some of the carriers below as you’re comparing rates.

Commonwealth Casualty vs. MAPFRE

Another regional insurer, MAPFRE could be ideal for customers who want alternative options to a national company. MAPFRE operates in 14 states, including Arizona and Ohio, although product availability may vary by state. MAPFRE is known for robust claims management and an extensive list of endorsements available for your auto and home insurance policies.

Learn more: MAPFRE Insurance review

Commonwealth Casualty vs. State Farm

State Farm received a higher-than-average ranking for customer satisfaction in the 2024 J.D. Power Auto Insurance Study for the Southwest region. The company offers a wide variety of products, including home, auto and life insurance. State Farm works with a large network of local agents in Arizona, Ohio and Texas, but it also has highly rated digital tools, making it easy to switch between old-school and tech-friendly options for policy management.

Learn more: State Farm Insurance review

Commonwealth Casualty vs. Geico

Geico may be one of the cheapest car insurance companies in the nation and is widely available to drivers. Whether you’re on a budget or out of Commonwealth Casualty’s operating area and need more options, Geico could be worth a look. When it comes to car insurance, Geico has high ratings, and won three Bankrate Awards in 2024: Best Auto Insurance Company Overall (tied with Amica), Best Budget Auto Insurance Company (tied with Auto-Owners) and Best Company for Young Drivers.

Learn more: Geico Insurance review

Bankrate’s insurance editorial team includes licensed agents and other industry professionals. Using that expertise, we work to recommend auto and home insurance companies that offer competitive coverage and make sense for consumers’ financial goals.

Commonwealth Casualty could be a good company for some customers in Arizona, Ohio and Texas, but it depends on your needs and preferences. Commonwealth Casualty may not be a good fit if you prefer to manage your policy from your smartphone, but its local agents may be an advantage for other customers. However, if you live in one of the states it serves and prefer the personalized service that a brick-and-mortar agency might provide, it could be worth your time to request a quote from Commonwealth Casualty.

What are real-life customers saying about Commonwealth Casualty?

Because Commonwealth Casualty is such a small regional insurer, one of the best ways to evaluate its offerings is to look for comments from real policyholders on forums, social media and review sites. Bankrate’s editorial team scoured online forums and found users on both Yelp and Reddit discussing their experience with Commonwealth Casualty. Customer impressions appear fairly mixed. While some found affordable rates with Commonwealth Casualty compared to larger insurers, others reported poor communication from the company’s representatives.

Yelp

Commonwealth Casualty Insurance has over 100 reviews on Yelp. The majority are negative, but we also found a small but significant portion of customers who had positive experiences — particularly with Commonwealth’s low rates.

Reddit

On Reddit, we found users discussing Commonwealth Casualty in a few places, including local subreddits dedicated to life in Austin, Texas and a casual forum for complaining about TV commercials. Surprisingly, both venues yielded detailed customer feedback for Commonwealth Casualty.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Commonwealth Casualty company details

The best way to contact Commonwealth Casualty is by phone. You can also use the website or mailing address below for certain inquiries.

• Sales, customer service and claims: 1-877-603-1310
• Website: commonwealthcasualty.com
• Mailing address: Commonwealth Casualty Insurance, 2500 North 24th St, Phoenix, AZ 85008

State availability

Commonwealth Casualty car insurance is available in Arizona, Ohio and Texas, but Commonwealth Casualty homeowners insurance is only available in Arizona.

Commonwealth Casualty tools and benefits

As a smaller, no-frills company, Commonwealth Casualty doesn't offer many additional tools, products or benefits. Here are a few that may be of interest to potential policyholders:

• Roadside assistance: Commonwealth Casualty offers its own roadside assistance program, with towing available up to 25 miles. Other roadside services include battery jump start, flat tire replacement, emergency fluid delivery such as gas, oil or water and key lockout assistance.
• Renters insurance: Commonwealth Casualty also sells renters insurance that includes liability coverage, personal property coverage and loss of use. There is the option to add personal property replacement cost and increased limits for jewelry or computers.
• Rideshare coverage: If you’re a rideshare driver for a service like Lyft or Uber, Commonwealth Casualty offers an endorsement that will offer coverage in situations where the policies offered by Lyft and Uber don’t.
• Mexico endorsement: Drivers in Texas may want to consider an endorsement that would provide coverage while driving in Mexico.
• Unlisted driver endorsement: Texas drivers may also access an endorsement that would provide coverage if an accident occurs while a resident of your household not listed in your policy is driving your covered vehicle.

Frequently asked questions about Commonwealth Casualty

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Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.