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Commonwealth Car Insurance

Smart Score

93

Industry Average: 75

Smart Score

93
/100

Industry Average: 75

Customer Service

7.7
/10

Industry Average: 7.7

Claims Process

9.5
/10

Industry Average: 8

Value for Price

10
/10

Industry Average: 7

Commonwealth Overview

Headquartered in Phoenix, Commonwealth Casualty has primarily served customers in the state of Arizona since its founding in 2010. Whether you seek homeowners, renters, or auto insurance, they offer a full suite of affordable products and services. 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. Despite all above, it doesn't offer a lot of discounts on auto policies, but provides a general set of perks like Roadside Assistance protection with towing up to 25 miles, battery service, flat tire assistance, emergency fluid delivery and lock out assistance.

Lines of Business:

Commonwealth Ratings Breakdown

Smart Score

93

Commonwealth: 93
Industry Average: 75
Commonwealth: 93
Industry Average: 75

Why our Smart Score matters

Commonwealth’s Smart Score of 93 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.


How our Smart Score is calculated

Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Commonwealth’s overall quality compared to other auto insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.


What does this mean for you?

With a score of 93, Commonwealth rises above the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing auto insurance options.

Customer Service

7.7

Commonwealth: 7.7
Industry Average: 7.7
Commonwealth: 7.7
Industry Average: 7.7

Our customer service score measures two primary things: user satisfaction when interacting with Commonwealth’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Commonwealth’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.


What does this mean for you?

As you can see from Commonwealth’s service score of 7.7, they have a decent rating compared to similar auto insurance companies, which clock in at an average of 7.7.


With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.

Claims Process

9.5

Commonwealth: 9.5
Industry Average: 8
Commonwealth: 9.5
Industry Average: 8

Our claims process score looks at users' experiences when filing claims with Commonwealth. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Commonwealth handles it.


Commonwealth’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Commonwealth.


What does this mean for you?

Evident from a claims score of 9.5, Commonwealth has an outstanding rating compared to the average claim score of 8 for similar auto insurance companies.


With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.

Value for Price

10

Commonwealth: 10
Industry Average: 7
Commonwealth: 10
Industry Average: 7

Commonwealth’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.


How Commonwealth comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.


What does this mean for you?

Commonwealth’s value for price score of 10 is excellent compared to the average of 7 from other auto insurance companies.

With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.

Commonwealth Auto Official Complaints

Official Complaints

Better than average

Tracks how many more or less official complaints Commonwealth has than average. With an index of 0.7 Commonwealth is better than average.


The complaint index comes from two variables for each year and type of insurance.

  • The percentage of how many complaints Commonwealth has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.

  • The percentage of how much insurance business (total policy premiums) Commonwealth has compared to the total amount of business of all the other companies.

By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.7 Commonwealth is better than average.

Commonwealth Coverage Options

When it comes to thier car, everyone has a different situation and differing needs for protection. While every auto insurer offers the same standard coverages. they tend to differ when it comes to what they offer or optional additional protections. Below we list and describe all the extras offered by Commonwealth

Available OptionsWhat it meansSee something wrong?
Roadside Assistance

Usually covers towing, battery service, flat tire service, fuel delivery, lockout service, and extrication.

Rental Reimbursement

Helps you pay for transportation expenses, such as a rental car or public transportation fare, while your own vehicle is being repaired after a covered insurance claim.

Work Loss Coverage

Insurance that covers some of the lost wages an insured would have as a result of a car accident.

Glass Coverage

Protects the cost of fixing or replacing a broken windshield.

Emergency Lockout Coverage

Service that helps you get back in your car if you locked them inside, or can’t find them.

Vanishing Deductible

An option on your insurance that rewards the driver with a smaller deductible each year they do not get into an accident.

Ridesharing Coverage

Covers you from legal liability or personal injury claims of your passengers if you are in an accident while working for a ridesharing service.

Commonwealth doesn't have availability

Commonwealth Auto Discounts

While all companies offer a range of car insurance discounts, it's hard to judge any individual discount's value in a meaningful way. For one, the discounts are typically a percentage off the base price, instead of the whole policy.

What does this mean?

Your best bet is to directly discuss your particular situation with an agent to make sure you're getting all the discounts that you may be eligible for on your auto policy. For reference, we've listed all the discounts we believe Commonwealth has below in order to hlep determine which ones may fit your profile (though keep in mind that they can vary by state).

Available OptionsWhat it meansSee something wrong?
Diminishing Deductible

This is not a discount on the premium (price) of a policy. Instead, it reduces the deductible a driver has to pay when they make a claim. It typically works by reducing deductibles at renewal when drivers haven't made a claim in the prior policy period.

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How does Commonwealth compare to other insurance companies? Click the following links below to compare Commonwealth to other top insurance companies.

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