Arrowhead Insurance Review: A Good Choice for Car Insurance?

Arrowhead offers cheaper coverage for drivers with a variety of driving records and discounts that offer significant savings. But the claims process and customer service availability leave a lot to be desired.

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Arrowhead General Insurance Rating ?


  • Affordable rates for young drivers
  • Rideshare coverage options available
  • Cheaper-than-average rates for drivers with tickets and accidents


  • Claims handled by a third-party company
  • Low customer reviews
  • No mobile app

Bottom Line

Arrowhead offers plenty of discounts and insurance products to get you fully covered for less — even for drivers with less-than-perfect driving records. But it can be difficult to get in touch with agents (unless you use the online chat) or manage the claims process.

Arrowhead Auto Insurance: At a Glance

Founded 1983
Available in AL, AK, AZ, and CA
Owned by Brown & Brown Inc. (NYSE: BRO)
National average premium $149 per month
Mobile app None
Customer service 1 (800) 669-1889
Claims 1 (800) 669-1889, option 1
Primary competitors Allstate, GEICO, State Farm

Arrowhead General Insurance was founded in 1983 and bought by Brown & Brown Inc. in 2012. The company offers standard and non-standard insurance policies, so it can be a good fit for a variety of insurance shoppers.

The company offers several valuable discounts and a wide selection of insurance products to get you fully covered. But you can only earn a bundling discount with auto, home, condo, or renters insurance. Arrowhead also struggles with customer and claims service, according to customer reviews.

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Is Arrowhead a Good Choice for Car Insurance?

Arrowhead tends to keep rates low, especially for high-risk drivers, such as teenagers and drivers with tickets or accidents. The company is limited to only a handful of states, but you may find a policy through its sister companies under Brown & Brown Inc.

Due to its strange structure, it can be confusing to work with the company. This, among other issues, has led to some scathing reviews from unhappy customers.

Where Arrowhead stands out

Arrowhead is a small but mighty insurer, offering good coverage options, competitive rates, and additional insurance products for a good price. The company has a strong financial strength rating — A (Excellent) from AM Best.

Where Arrowhead falls short

Arrowhead is available in a limited number of states and falls behind the competition in terms of technology, as it doesn’t offer a mobile app or digital IDs. Rates are also higher than average for senior drivers.

Arrowhead Customer Reviews

Since it’s a small company, customer reviews are limited and only available on Arrowhead’s BBB profile and Yelp. From that small sample size, I found just one 5-star review. All other reviewers gave the company just one star.

I also found several complaints about the claims process — many focused on impossible-to-reach adjusters to approve repairs, even after multiple emails and phone calls. The reviewer below allegedly never received a call back after several attempts to work with someone. They canceled their policy, paid for their losses, and moved on to another insurer.

Arrowhead customer review 1

A few reviews discussed issues with their policies that were difficult to resolve. The customer below claimed to have received a sudden rate increase and was unable to get an answer over the phone as to why. It took complaining on BBB to get the issue resolved.

Arrowhead customer review 2

So, what was the positive review? This customer worked with a specific person to get their policy finalized, and the representative they spoke to was apparently dedicated to getting the job done right.

Arrowhead customer review 3

How Much Is Arrowhead Car Insurance?

Arrowhead’s average insurance premium is $149 per month. Below, we break down its average monthly rates for liability-only and full coverage, according to data.

Liability Only Full Coverage
$115 $212

Arrowhead’s average rates are considerably lower than the national average of $131 per month for liability coverage and $271 for full coverage. But broad averages like these don’t account for the many factors that influence costs, such as your age and driving record. Let’s review those next.

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Arrowhead Insurance Average Rates by Age Group

Your age has a tremendous effect on your car insurance rate, with younger drivers paying more than older drivers. So, let’s take a look at how age affects rates with Arrowhead.

Age Group Average Monthly Rate
Teens $286
20–25 $239
25–30 $150
30s $122
40s $132
50s $140
60s $165
70+ $298

Unsurprisingly, rates are high for young drivers and decrease significantly by the time you reach age 25. Rates stay low until you reach your 70s, but tend to increase sometime in your 70s since age affects things like reaction time, which can increase the risk of car accidents, according to the Insurance Institute for Highway Safety (IIHS).

But let’s take a closer look at rates for teens and seniors.

Arrowhead rates for teens and young drivers

Teen drivers have four times the crash rates of drivers older than 20, which accounts for their higher rates. The good news is that Arrowhead offers cheaper rates to teens when compared to the national average of $397 per month. Rates remain somewhat elevated until you reach age 25 — Arrowhead’s rates for this group are slightly below the national average of $155 per month.

Now, let’s review rates for older drivers.

Arrowhead rates for seniors and retirees

Drivers in their 60s tend to enjoy some of the lowest car insurance rates available. Arrowhead’s rates are above the national average of $122 per month, and those higher-than-average rates make a sharper increase once you hit your 70s.

So, it’s probably a good idea to shop around if you’re a driver in your retirement years. But the company’s mature driver discount might offer you a better deal — it discounts rates by 5%.

Arrowhead’s Average Rates by Driving Record

Your driving history also has a huge effect on your car insurance rates. Drivers with clean records pay less than those with tickets, accidents, or multiple violations. Let’s take a look at how Arrowhead rates change based on your driving history.

Driving History Average Monthly Rate
Clean record $149
1 ticket $157
Multiple tickets $171
1 at-fault accident $164
Multiple accidents $182

Rates follow the expected trend of being lowest for drivers with spotless records (who can also get a good driver discount) and higher for those with tickets and accidents. Let’s take a closer look at those changes.

Arrowhead rates after a speeding ticket

National rates for drivers with a speeding ticket are 37% higher than those for good drivers, according to data. And while rates increase at Arrowhead, they’re lower than the national average of $173 per month.

If you have a ticket, try to keep a clean record going forward. Multiple tickets increase your rate even more. Your rate decreases as you get further away in time from the last incident on your record.

Arrowhead rates after an accident

After an at-fault accident, rates increase by an average of 44% nationally, based on data from Rates at Arrowhead are lower than the national monthly average of $189, but you probably want to save even more. First, keeping a clean record will ensure your rates decrease as fast as possible.

Next, stack your discounts and shop around for policies often to catch lower rates from competitors. If all else fails, consider downsizing to a cheaper vehicle.

Arrowhead Discount and Bundling Options

Discounts can be a game-changer — especially a highly valuable bundling discount. Let’s look closer at opportunities to lower your costs at Arrowhead.

Car insurance discounts

Discounts are excellent benefits that insurers offer, and they can help you lower the cost of your premiums. Here are the best discounts Arrowhead offers.

  • Anti-theft device: You can save up to 2% with this discount if you install an approved anti-theft device.
  • Good driver: Save up to 20% with this discount for having no recent accidents or tickets on your driving record.
  • Good student: Full-time students can save up to 15% off some coverages with this discount if they maintain a B average.
  • Group/association: Save between 5% and 15% with this discount based on your affiliation (teachers, scientists, engineers, etc.).
  • Mature driver: Drivers aged 55 and older can save up to 5% with this discount.
  • Multi-car: You can save up to 15% when you insure multiple cars with one policy.
  • Multi-policy: If you combine your home and car insurance coverage, you can save up to 15% on both policies.
  • Policy renewal: Earns you a discount when you renew your policy (the value of the discount isn’t specified).

Bundling options

The Arrowhead bundling discount applies to home, condo, and renters insurance. Though the following don’t earn a bundling discount, the company also offers these insurance products:

  • Motorcycle
  • Classic car
  • Extended auto warranty
  • Roadside assistance
  • Rideshare
  • Landlord rental property
  • Umbrella
  • Secondary home
  • Mobile home
  • Flood
  • Earthquake
  • Motor home
  • Travel trailer
  • Boat and watercraft
  • ATV
  • Snowmobile
  • Life
  • Health
  • Pet
  • Business insurance products

How to File a Claim with Arrowhead

It’s difficult to find Arrowhead’s claims process information online, but with some digging, I got the details. To submit an auto claim, you’ll work with American Claims Management, a third party. To reach them, call Arrowhead customer service and follow the prompts.

You can also make a claim using the online form at or by logging into your account there. Then, follow these instructions:

  1. Log into the client portal using the same credentials you use to log in with Arrowhead.
  2. Fill out the claims form and submit it.
  3. An adjuster will contact you in one to two business days.
  4. The adjuster will determine what’s covered and issue a check for damages.

Customers report a poor claims process, including never getting a response from an adjuster. And a few had their policies canceled after a claim. I didn’t find any positive claims reviews from customers.

Bottom Line: Is Arrowhead Car Insurance Right for You?

Many drivers can find a good deal at Arrowhead — except drivers over the age of 60. Discount rates are good, but there’s only a handful of them. And while claims service is 24/7, many customers complain about the process managed by a third party.

Overall, Arrowhead can be a good fit for some drivers. But we found that the best experiences involved an excellent independent agent who assisted with the policy.

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Arrowhead Auto Insurance FAQs

Arrowhead General Insurance Agency isn’t well known. Here are some quick answers to the most commonly asked questions about Arrowhead.

Does Arrowhead have the cheapest car insurance?

Arrowhead doesn’t necessarily offer the cheapest coverage, but it could be your cheapest option. The best way to find the cheapest option is to compare rates from several insurers.

Is Arrowhead Insurance legit?

Yes, Arrowhead is a legitimate insurance company for car and home insurance. But the company struggles with customer service and has earned a B- from the Better Business Bureau.

Who is the parent company of Arrowhead Insurance?

Brown & Brown Inc., the sixth-largest independent insurance brokerage in the U.S., is the parent company of Arrowhead General Insurance Agency. The company, founded in 1939, owns several insurance companies and has been publicly traded since 1993 (NYSE: BRO).

Is Arrowhead owned by GEICO?

No, Arrowhead General Insurance Agency isn’t owned by GEICO (though the companies work together to underwrite policies). Arrowhead is owned by Brown & Brown Inc., which owns several insurance and reinsurance companies.


Data scientists at analyzed more than 50 million real-time auto insurance rates from more than 75 partner insurance providers in order to compile the quotes and statistics seen in this article.’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the quotes listed in this article have been gathered from a combination of real quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. uses these observations to provide drivers with insight into how auto insurance companies determine their premiums.


  1. Insurance Institute for Highway Safety (IIHS), “Older drivers,” Accessed January 7, 2024.
  2. Insurance Institute for Highway Safety (IIHS), “Teenagers,” Accessed January 7, 2024.
  3. Yelp, “Arrowhead General Insurance Agency,” Accessed January 7, 2024.
  4. BBB, “Arrowhead General Insurance Agency Inc Business Profile,” Accessed January 7, 2024.
  5. Brown & Brown, “Brown & Brown, Inc, Company Overview,” Accessed January 7, 2024.
  6. Brown & Brown, “Brown & Brown, Inc. Completes Acquisition of Arrowhead General Insurance Agency, Inc.,” Accessed January 7, 2024.

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