Wawanesa Car Insurance Review (With Quotes, 2024)

Mallory Profeta
Written byMallory Profeta
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Mallory ProfetaInsurance Writer

Mal Profeta is a writer, editor, educator, and public health advocate. They serve as the communications director of an NIH-funded clinical and translational science research center that focuses on addressing health disparities in Appalachia. A former Fulbright recipient, they hold a bachelor's degree from Transylvania University and a master's from New York University.

Jackie Cohen
Edited byJackie Cohen
Photo of an Insurify author
Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated August 4, 2022

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Wawanesa car insurance is only available in California and Oregon, but its average premium of $65

per month falls below the national average. The company, based in Canada, keeps rates low by selling auto insurance coverage only to safe drivers—those with no more than one at-fault accident or traffic violation in the last three years.

No matter your driving history, one of the best ways to save money on car insurance is to shop around and compare rates. Insurify makes it easy by giving you auto quotes from multiple companies at once.

Wawanesa in a Nutshell
  • The average cost of car insurance with Wawanesa is $66 per month.

  • Wawanesa is good for drivers in California and Oregon with clean driving records.

  • Wawanesa isn't the best option for people who’ve had multiple accidents or traffic violations in the last three years.

Wawanesa Industry Rankings and Scorecard

Wawanesa General Insurance company is a well-established company with strong financial stability. And while it has more complaints than other companies its size, for two years in a row, Wawanesa has ranked number one in J.D. Power’s customer satisfaction among auto insurers in California.

Industry RankingWawanesa Rating
J.D. PowerHighest Customer Satisfaction in CA
A.M. BestA+
Better Business BureauA+
NAIC Complaint IndexMore than average
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Wawanesa Car Insurance Quotes by Driver History

Only drivers who have had no more than one at-fault car accident or traffic violation in the last 36 months can buy Wawanesa auto insurance. This tight restriction is how the company keeps rates relatively low. And as with other companies, you can expect your Wawanesa premium to spike if you cause a wreck or get a ticket or DUI.

Driver ProfileWawanesa Average Monthly PremiumNational Average
Clean Record$50$77
DUI$87$155
At-Fault Accident$97$113
Speeding Ticket$69$104
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
High-Risk Car Insurance

High-Risk Car Insurance

Wawanesa Car Insurance Quotes by State

The quotes below are averages. Your actual car insurance rate is determined not only by whether you purchase minimum or full coverage but also by a slew of other variables, including your age, driving history, location, and even marital status.

StateWawanesa Average Monthly Premium
California$56
Oregon$76
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Wawanesa Car Insurance Pros and Cons

Affordable rates are available for safe drivers in California and Oregon, but availability is limited otherwise. You can’t get an auto insurance policy from Wawanesa if you’ve had more than one accident or ticket in the last three years. Relatedly, you need to have been a licensed driver for at least three years.

Wawanesa doesn’t sell homeowners insurance or condo insurance in the U.S. at the moment, but renters insurance is available for Oregon policyholders who want to protect their personal property.

Pros
  • Cheap rates for safe drivers

  • Comprehensive coverage includes windshield repair

  • A+ rating from BBB

Cons
  • Some customer complaints

  • Only available in California and Oregon

  • Limited insurance products

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Wawanesa Car Insurance Discounts

You might be eligible to save money through one or more of the following auto insurance discounts. Available savings vary by state—there are more discounts available to Oregon drivers—so be sure to speak with an insurance agent about ways to lower your premium.

Driver-Based Discounts

Wawanesa offers discounts for drivers over the age of 55 who take a driving improvement course; in Oregon, drivers under 19 who take a driving course may also receive a discount.

Californians may additionally be eligible for a “good driver” discount.

Policy-Based Discounts

If you pay your full yearly insurance fee up front, you’ll save yourself the installment fee. Drivers in Oregon can also receive a discount for setting up autopay.

Bundling Discounts

You’ll get a lower rate if you insure multiple cars, have been with the company for more than a year, or bundle your auto insurance with your renters insurance (available in Oregon only). Home insurance isn’t available from Wawanesa at this time.

Cheap Car Insurance

Cheap Car Insurance

Wawanesa Car Insurance Coverage Options

In addition to the typical coverages available from car insurance companies—including liability/ property damage, collision, bodily injury, and medical payments or personal injury protection—Wawanesa offers the following optional coverages:

Roadside Assistance

The company will pay up to $100 twice each policy period to tow your car or get it back on the road (for example, replacing a tire or jumping your battery).

Rental Car Coverage

This will help cover the cost of a rental vehicle if your car is in the shop for a covered repair. Be sure to check the details of your plan—there are limits on how much the company will reimburse for your rental.

Uninsured Motorist Coverage

If you get hit by a driver who doesn’t have car insurance, an uninsured motorist collision waiver (sometimes called a collision deductible waiver) will spare you the deductible requirement. This optional coverage is only available to drivers in California.

Vehicle Manufacturer Replacement Parts Coverage

If your car is less than 11 years old, you can purchase this supplemental coverage to ensure that any repairs to your vehicle are made with parts from the original equipment manufacturer.

Wawanesa Car Insurance Reputation

Is Wawanesa car insurance good?

Wawanesa car insurance ranks generally well for claims and customer satisfaction, financial strength, and affordability. The average monthly cost for a policy with Wawanesa is $66.

The company is known for offering competitive rates by limiting its auto insurance to good drivers only. It has mostly positive rankings for customer experiences.

Wawanesa Customer Service

An A+ rating from the Better Business Bureau and two years running with the highest J.D. Power Satisfaction score in California suggest positive customer experiences with Wawanesa insurance, though at the same time, the company has a below-average score on the NAIC national complaint index.

Wawanesa Claims Filing Process

The company offers 24/7 claims service at 1 (888) WAWA-CLAIM (929-2252) or online, but there is no mobile app. You can choose reimbursement through direct deposit or check. You can also choose any repair shop, but repairs at Wawanesa-approved providers are guaranteed as long as you own the vehicle.

Wawanesa: Is it right for you?

Wawanesa insurance company offers car insurance in Oregon and California at below-average rates—if you’re a driver with a relatively clean record. Use the Insurify comparison tool to get multiple quotes at once and find the best option for your needs.

Frequently Asked Questions

  • Is Wawanesa car insurance good?

    The Canadian company is well-established, has strong financial ratings, and offers a mixed bag on customer satisfaction. Wawanesa is known for below-average rates—but it’s only available in two states and only to safe drivers.

  • How much does Wawanesa car insurance cost per month?

    The average monthly premium is $65, but your actual rate will depend on details about you, your vehicle, and your insurance needs.

  • What car insurance discounts does Wawanesa offer?

    Available discounts vary by state but may include savings for loyalty, multiple cars, safe driving, taking driving courses, using autopay, bundling with renters insurance, or serving in the military.

  • How do I get the cheapest car insurance?

    First things first: Always shop around and compare prices, which is easy to do with Insurify. Inquire about discounts, and keep a clean driving record. Keeping your credit score in good shape is always important, too.

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Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Mallory Profeta
Mallory ProfetaInsurance Writer

Mal Profeta is a writer, editor, educator, and public health advocate. They serve as the communications director of an NIH-funded clinical and translational science research center that focuses on addressing health disparities in Appalachia. A former Fulbright recipient, they hold a bachelor's degree from Transylvania University and a master's from New York University.

Jackie Cohen
Edited byJackie CohenEditorial Manager
Photo of an Insurify author
Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.