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Commonwealth Casualty Car Insurance: Rates & Cost Analysis - 2024

Choosing a car insurance provider can be challenging. If you're considering Phoenix-based Commonwealth Casualty, reviewing its rates closely will help you determine if it's the right fit. However, we recommend gathering quotes from several providers to ensure you're securing the best value for your car insurance needs.

Commonwealth Casualty car insurance pricing per month

Commonwealth Casualty charges an average of $178 per month for full-coverage car insurance. Drivers who choose minimum liability-only coverage typically pay $81.

Keep in mind these are average figures. Your individual rate will depend on multiple factors including age, location, credit score, and driving history. While your Commonwealth Casualty quote may differ from these averages, they provide a useful benchmark when shopping around.

Commonwealth Casualty average monthly cost National average monthly cost Full coverage $178 $187 Liability-only $81 $98

Commonwealth Casualty's rates versus other car insurance providers

Each company uses different methods to evaluate risk and offer discounts, which means pricing varies considerably. Comparing quotes will show you exactly where Commonwealth Casualty stands for your unique profile.

Provider Average monthly full coverage cost Average monthly liability-only cost State Farm $108 $53 Progressive $152 $86 GEICO $148 $80 Allstate $148 $72 USAA $103 $51 Commonwealth Casualty $178 $81

Commonwealth Casualty's rates by age

Age plays a significant role in Commonwealth Casualty's pricing structure. Car insurance for teen drivers commands the highest premiums, averaging $344 per month for full coverage.

Rates generally decline as you move into your 20s, where Commonwealth Casualty customers pay around $229 on average. The downward trend continues through your 30s at $169 and your 40s at $146.

The lowest rates often belong to drivers in their 50s and 60s, with average monthly costs of $137 and $133, respectively.

Premiums typically increase again for drivers in their 70s, averaging $155 per month. This pattern demonstrates how insurers price policies according to age-related risk factors.

Age group Commonwealth Casualty average monthly full coverage cost National average monthly cost Teens $344 $347 20s $229 $238 30s $169 $198 40s $146 $192 50s $137 $178 60s $133 $163 70s $155 $167

Commonwealth Casualty's rates for high-risk drivers

Traffic violations and accidents on your record will push your Commonwealth Casualty rates higher. High-risk drivers with a speeding ticket face average monthly costs of $200, while an at-fault accident raises rates to approximately $236.

DUI convictions result in substantially higher premiums, with monthly rates averaging $240. Your actual rate will vary based on when the incident occurred and other individual rating factors.

Driving record Commonwealth Casualty average monthly full coverage cost National average monthly cost Accident $236 $250 Speeding ticket $200 $241 DUI $240 $269

How does your credit score affect your rate with Commonwealth Casualty?

Your credit score influences insurance rates in most states. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit scoring applies, Commonwealth Casualty adjusts premiums according to your credit tier. Excellent credit translates to average monthly costs of $155, while good credit results in rates near $170.

Drivers with average credit pay around $176 per month, and those with poor credit see rates climb to approximately $216.

Credit can significantly impact your premium, though your final rate will also reflect other personal characteristics.

Credit score Commonwealth Casualty average monthly cost of full coverage National average monthly cost Excellent $155 $163 Good $170 $179 Average $176 $195 Poor $216 $227

FAQs

Is Commonwealth Casualty only available in certain states?

Commonwealth Casualty operates primarily in Arizona, Ohio, and Texas, making it a regional insurance provider rather than a national carrier. The company was founded in Phoenix, Arizona in 2010 and has maintained its regional focus since inception.

How does Commonwealth Casualty's vanishing deductible program help safe drivers save money?

Commonwealth Casualty's vanishing deductible program rewards policyholders who avoid at-fault accidents by reducing their collision or comprehensive deductible by $100 for each claim-free year, with potential savings up to $500 total.

What types of coverage does Commonwealth Casualty offer beyond basic liability insurance?

Commonwealth Casualty provides standard coverages including liability, collision, comprehensive, and uninsured/underinsured motorist protection. They also offer specialty add-ons tailored to modern drivers such as rideshare coverage for Uber and Lyft drivers, rental reimbursement while your vehicle is being repaired, safety equipment coverage that waives your deductible for glass repairs, and roadside assistance covering towing up to 25 miles. These options allow Commonwealth policyholders to customize their protection beyond the bare minimum required by Arizona, Ohio, or Texas state law.

Bottom line

Should you choose Commonwealth Casualty as your car insurance company? Request quotes from Commonwealth Casualty and competing insurers to compare pricing and service quality side by side.

Data throughout provided by Insurify.

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Commonwealth Casualty Car Insurance: Rates & Cost Analysis - 2024