Drivers in California and Oregon may be interested in coverage from Wawanesa. With a lower average monthly rate than California, Oregon, and national averages, many drivers may be able to save money with Wawanesa. Additionally, AM Best rates the company highly in financial strength and J.D. Power rates it highly for customer satisfaction.12
But Wawanesa does have a higher-than-average customer complaint score on the National Association of Insurance Commissioners (NAIC) complaint index and low ratings on customer review sites like Trustpilot and the Better Business Bureau (BBB).34
Here’s what you need to know about Wawanesa so you can decide if it’s the right insurer for you. But don’t forget the importance of comparing quotes from multiple insurers before choosing a policy. Here’s what you need to know about Wawanesa General Insurance.
How Wawanesa rates compare to competitors
Wawanesa has fairly affordable rates. On average, it offers full coverage for $116 per month and liability insurance for $56 per month.
The bar graph below shows how Wawanesa compares to its competitors.
Average cost of Wawanesa auto insurance
Drivers with clean records typically secure the cheapest rates. Drivers with an incident on their record — such as a speeding ticket, an at-fault accident, or a DUI — pay higher rates. Insurance companies consider high-risk drivers as more likely to file a claim and charge higher rates to make up for the possible financial loss.
Similarly, teen drivers pay high rates because they’re more likely to engage in risky driving behaviors and have less experience. Senior drivers pay the lowest rates because they have the most experience.
The table below illustrates how Wawanesa’s monthly liability rates compare to the national average liability rates for various driver profiles.
Wawanesa car insurance cost by state
Several things affect the cost of your car insurance, including your home state. While Wawanesa is currently only available in California and Oregon, premiums might vary in each state due to mandated insurance requirements and location-based risks for drivers.
While Wawanesa’s average premiums are lower than the California state average, the cost of your coverage will depend on your driving record and other factors. Check out the average monthly cost of liability coverage from Wawanesa by state.
Wawanesa car insurance discounts
A savvy way to help keep your car insurance premiums low is to take advantage of any discounts your auto insurer offers. Here are some of the best discounts available to Wawanesa drivers:
Good driver discount: If you’ve had a license for three years, no more than one violation or accident in the past three years, and no DUIs in the past 10 years, you’re eligible for a good driver discount from Wawanesa in California.
Mature driver improvement course discount: Drivers older than 55 who complete a DMV-approved defensive driving course may be eligible for this discount.
Multi-car discount: If you have more than one car on the same Wawanesa policy, you’ll get a price break.
Multi-policy discount: Also known as “bundling,” this is a great example of a win-win scenario. You can save money on your home, renters, or condo insurance when you purchase a policy and your auto insurance from Wawanesa.
Loyalty discount: Drivers who stay insured by Wawanesa for a full year are eligible for a loyalty discount of up to 22%.
Affinity discount: Your affiliation with one of Wawanesa’s affinity groups can score you savings on your car insurance.
Insurance score discount: Insurance companies base their own credit scores on your credit report and the likelihood that you’ll file a claim. You can save money on your Wawanesa coverage if you have a favorable insurance score.
How customers feel about Wawanesa insurance
Customer recommendations, complaints, and analyses of an insurer can provide important information to potential customers.
Wawanesa’s individual ratings from industry review sites like J.D. Power and AM Best are quite good, but the situation is a little different on third-party review sites like Trustpilot and the Better Business Bureau website.12 Customers often cite difficulty with claims and insurance adjusters.
Wawanesa has a star rating of 1.8 out of 5 on Trustpilot, based on 18 reviews, and a rating of 1.12 out of 5 on the BBB website, based on 17 reviews.3 But it does have an A+ rating from the BBB.4
Wawanesa insurance ratings
Rating agencies like AM Best, J.D. Power, and the NAIC can help potential Wawanesa policyholders understand the company’s financial strength and customer satisfaction. Check out Wawanesa’s ratings below to help you decide if it’s the right company for your auto insurance needs.
Wawanesa car insurance coverage options
Drivers who choose Wawanesa may opt for the standard state-minimum required car insurance coverage, which protects you from bodily injury liability and property damage liability. You can also purchase full-coverage auto insurance — which includes comprehensive coverage and collision coverage on top of the state-mandated liability coverage — from Wawanesa.
Additional auto insurance coverages Wawanesa offers include these optional endorsements:
Other options for Wawanesa insurance customers
In addition to car insurance coverage, Wawanesa also offers these coverages to its customers:
Renters insurance: This coverage can pay for loss or damage to your belongings, liability, and medical payments if you experience a covered peril in your rented housing.
Homeowners insurance: A home insurance policy will protect your dwelling itself, as well as the contents of your home if you need to make a claim.
Pet insurance: Veterinary care can be expensive, but pet insurance can help you pay for your pet’s healthcare needs.
Condo insurance: The insurance coverage condo owners need differs from the products homeowners and renters need. Wawanesa offers this coverage to protect your home and property.
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