Skip to Main Content

Arrowhead insurance review 2022

Chinese businessman driving a car
Vesnaandjic/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

Founded in 1983, the Arrowhead General Insurance Agency has now grown to include multiple lines of insurance products, including personal auto and personal property. Arrowhead offers a unique business model in that it is both a program administrator for small- to mid-sized companies who need insurance products, as well as a provider of personal policies. Now headquartered in San Diego, California, the company has multiple offices across the country.

Arrowhead car insurance

Arrowhead car insurance is currently available in four states: Alabama, Georgia, Michigan and South Carolina. Although underwriting for auto insurance policies is limited to a handful of states, the following standard coverage options are available to drivers in these states through Arrowhead.

Types of coverage

  • Liability: This pays for both bodily injury and property damage sustained by the other driver and their passengers if you are involved in an accident and you are determined to be at-fault. The limits vary depending on the state minimum requirements.
  • Personal Injury protection (PIP): PIP is required in Michigan, as it is a no-fault state. It pays toward medical expenses and lost wages for you and your passengers if you are involved in an accident, and can go towards those expenses right away, regardless of who is at fault.
  • Collision: This pays for damage for your own vehicle due to a collision with another vehicle or falling object. Arrowhead also gives the option for a $250, $500 or $1,000 deductible for this coverage.
  • Comprehensive: Also referred to as “other than collision,” this pays for damage to your own vehicle due to vandalism, theft, or a weather-related event such as flooding or hailstorms. It can also include damage from an animal.
  • Towing: Customers in Michigan have this option to add to their policy. Towing coverage from Arrowhead provides assistance in case the driver’s vehicle is inoperable and needs to be towed to a repair facility.


Although discounts may vary depending on the state, Arrowhead offers drivers several to help lower the cost of premiums. If you want to confirm which discounts are available, it is best to speak to a licensed Arrowhead agent for an exact list of what’s available in your state. Arrowhead discounts include:

  • Paid-in-full: By paying premiums up front instead of monthly installment plans, drivers can earn a paid-in-full discount.
  • Prior coverage: If you can show proof of prior coverage from another insurance provider, you may be eligible for additional savings through Arrowhead.
  • Renewal: Customers who are loyal to Arrowhead and renew their policy prior to the renewal date may earn a discount.
  • Military: You may receive a discount if you are a current or past member of the military.
  • Multi-car: If you add more than one vehicle to a policy then you may qualify for a multi-car discount.

Arrowhead home insurance

Homeowners insurance, specifically HO-3 policies, are offered by Arrowhead in 20 states.The policies also include fairly standard coverages.

Types of coverage

  • Dwelling: Covers the home’s structure, including garages or other attached structures.
  • Other structures: If you have other structures on your property, such as a shed or fence, then this provides coverage for these types of structures.
  • Personal property: Provides replacement for personal items inside your property, such as furniture and valuables, if damaged, destroyed or stolen in a covered loss.
  • Liability: This helps cover legal fees to defend yourself in court if someone is hurt or you accidentally cause property damage to another person’s property.
  • Medical payments: If a guest or visitor is hurt while on your property, this coverage would provide payments towards their medical expenses in a covered incident, up to policy limits.
  • Additional living expenses: Provides expenses toward housing and food costs if you find yourself displaced due to damage to your home.


Like the auto insurance portion, the discounts available depend on the state in which the homeowners insurance policy is written. However, Arrowhead does offer a number of discounts to choose from. The best course of action is to confirm the discounts through the local licensed agent.

  • Bundling: If you have another Arrowhead policy, you can likely save on both policies by bundling.
  • New home: If your home was built recently, you may qualify for a new home savings discount.
  • Claims-free: If you have not made any claims within the last three years then you may qualify for a claims-free discount.
  • Complete restoration: If you have brought your older home and all systems up to current construction codes then a complete restoration discount may be available.
  • Gated community: Living within a gated community may save you on your homeowners premiums with Arrowhead.
  • Protective devices: Installing an alarm system or other protective devices will likely save you on your annual homeowners premiums.

Arrowhead ratings, reviews, customer satisfaction and complaints

Although Arrowhead is not currently rated in any J.D. Power customer satisfaction studies, you can find information regarding the financial strength of the insurance provider. Currently the insurance provider earns an A (Excellent) rating with AM Best and a Strong rating with Standard and Poor’s.

Reasons Arrowhead insurance is a good option

Arrowhead may be a good option for drivers or homeowners who are interested in a basic policy with some savings opportunities in the states Arrowhead is available. Arrowhead also makes payments flexible for policyholders who need multiple down payment and monthly options to fit their budget. High-risk drivers in Georgia and South Carolina may find Arrowhead beneficial as well, since it offers the SR-22 filing option in these two states.

One disadvantage to choosing Arrowhead is the lack of a mobile smartphone app. If you are a driver who prefers to have all policy-related information right at your fingertips, then Arrowhead may not offer the best option.

Additional policies offered by Arrowhead

In addition to auto and homeowners, Arrowhead offers other types of policies and coverage options, including:

  • Condo (HO-6)
  • Tenant (HO-4)
  • Dwelling fire (DP3)
  • Personal umbrella
  • Residential earthquake

Frequently asked questions

How do I file a claim with Arrowhead insurance?

To file a claim with Arrowhead, contact your local agent or call the customer service number. You may also be able to start your claim online through the portal. At this time, Arrowhead does not offer a mobile app for claim filing or any other policy management needs.

Which states does Arrowhead provide insurance?

Arrowhead writes homeowners insurance policies in the following states: Alabama, Arizona, California, Connecticut, Delaware, Hawaii, Louisiana, Maryland, Massachusetts, Mississippi, Nevada, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Virginia and Washington.

For auto insurance, it is available in Alabama, Georgia, Michigan and South Carolina.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor