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Wawanesa Auto Insurance: The Canadian Import Providing West Coast Automotive Coverage

AutoinsuranceEZ.com Rating: ★★★☆☆ 

Interestingly enough, Wawanesa insurance has its roots in Manitoba, Canada as a farmer’s mutual insurance provider. This was back in 1896 – but it didn’t cross south of the border into the US until 1974. Their very first policy was issued the following year, and now the company has grown to underwrite automotive policies in both California and Oregon. They also offer homeowners, condominium, and renters insurance.

Wawanesa Insurance Review

For the most part, Wawanesa’s ratings look fairly stable. They have a good financial strength rating from AM Best, and pretty good customer service ratings from the BBB and JD Power. However, it’s worth noting that over the past few years, their financial strength rating has slipped from a solid A to an A-, with a less-than-positive outlook on the horizon.

Rating Agency Rating
JD Power Auto Insurance Study Award (2013) Best in California
AM Best Financial Strength Rating (2016) A-
Better Business Bureau Rating (2016) A+
BBB Composite Score (2016) 3.72 out of 5 stars

Wawanesa Insurance Discounts

Generic sentence about discounts ending with “including”:

  • Good Driver Discount – receive a discount for your good driving behavior if you have gone 3 years without earning more than one point on your license and 10 years without a DUI conviction
  • Multi-Car Discount – for policies that insure more than one vehicle. Applies to all coverages except Roadside Assistance, Rental Expense, Uninsured Motorist coverage, and your Collision deductible waiver
  • Mature Driver Improvement Discount – drivers over the age of 55 can take a California-approved mature driver improvement course to receive this discount. Applies to all coverages except Roadside Assistance, Rental Expense, Uninsured Motorist coverage, and your Collision deductible waiver, and Comprehensive
  • Driver Training Discount – if your license is fewer than two years old and you successfully complete a Driver Education and Driver Training course, you can qualify for this discount. Applies to all coverages except Roadside Assistance, Rental Expense, Uninsured Motorist coverage, and your Collision deductible waiver, and Comprehensive
  • Loyalty Discount – get rewarded for being a loyal customer if your policy is at least a year old. Applies to all coverages except Roadside Assistance, Rental Expense, Uninsured Motorist coverage, and your Collision deductible waiver

Wawanesa Auto Insurance Options

When you buy a Wawanesa automotive insurance policy, you will be required to purchase at least Bodily Injury Liability and Property Damage Liability coverage, and in the minimum amounts that your state legally mandates. You can also consider adding the following optional coverages to your policy – just keep in mind that the more coverage you purchase, the more you will end up paying in monthly premiums:

  • Automobile Medical Payments
  • Comprehensive (includes fire & theft coverage)
  • Collision
  • Roadside Assistance
  • Rental Expense
  • Uninsured/Underinsured Motorist – Bodily Injury
  • Uninsured Motorist – Property Damage
  • Uninsured Motorist – Collision Waiver

Comparing Wawanesa Insurance Quotes

When comparing car insurance quotes, it’s helpful to have context. Without knowing what other companies near you are charging, or what other people are paying in regions that are similar to yours, you might end up getting a raw deal.

Auto Insurance Quote Comparison Legend: Allstate State Farm Mercury Average Rate Illinois Average California Average Texas Average Florida Average New York Average 50 100 150 200 250 300 350 $52 $34 $89 $34 $146 $139 $88 $64 $71 $89 $260 $105 $147 $230 $353 $126 $72 $93 $231 $93

 
The graph above has information on average California prices, as well as other major population centers across the US. It may be difficult to obtain a quick, free quote from Wawanesa without having to first contact an agent and give them your personal information. If you do decide to go through the quote process with Wawanesa, at least you’ll have the information above on hand to compare with their offered price.

Pros and Cons of Wawanesa Insurance

Pro Con
Information on policy coverage and limits is very clear and easy for customers to understand Only available in California and Oregon (within the US)
Drivers with a clean history can find comparatively cheaper rates Drivers with a poor driving history might be charged higher premiums

Wawanesa is a small company that only operates in California and Oregon. They mostly do word-of-mouth business, and prefer to write policies for customers who have a clean driving record. Their financial strength and customer satisfaction seems to be pretty high, but there is a slightly negative financial outlook for the company according to AM Best. Still, if you live within their coverage area, it might be worth comparing their prices to at least 3-5 other local companies. And you can get fast, free quotes from those providers here at AutoInsuranceEZ.com.

Corporate Headquarters
9050 Friars Road Suite 101
San Diego, CA 92108-5865
www.wawanesa.com
Phone: 619-285-6000
Fax: 619-584-7179
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