You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners.
Wawanesa Auto Insurance Review 2024
Lead Writer | Auto insurance, life insurance
Ryan Brady is a lead writer at NerdWallet and authority on car insurance and life insurance. Ryan enjoys unraveling complex insurance topics to help people make smarter financial decisions. His work has appeared in TechCrunch, MarketWatch, Yahoo, Nasdaq and more.
Before joining NerdWallet, Ryan was a senior writer and principal researcher at Gartner. He is based in Fort Myers, Florida.
Assigning Editor | Auto insurance, home insurance, other insurance
Lacie Glover spent more than five years covering health care costs and all types of insurance as a NerdWallet writer before becoming an assistant assigning editor in 2019 and later an assigning editor on the insurance team. As a writer, her work was featured in The Associated Press, The Motley Fool and U.S. News & World Report. Lacie is a NerdWallet authority on insurance products and loves data, analytics and solving SEO mysteries.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Wawanesa
3.0
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- May offer cheaper rates on average for California drivers.
Cons
- More auto insurance complaints than expected.
- Available only in California.
Wawanesa
3.0
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- May offer cheaper rates on average for California drivers.
Cons
- More auto insurance complaints than expected.
- Available only in California.
Wawanesa earned 3 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Although Wawanesa originally specialized in selling car insurance to California and Oregon drivers, it currently only sells new policies to California residents. Established in 1896 as a farmers’ mutual insurance carrier in Canada, Wawanesa opened up its United States branch in 1974 and sells auto, homeowners and renters insurance directly to consumers.
Wawanesa is a subsidiary of the Automobile Club of Southern California.
» MORE: Best car insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.
Compare to other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 3.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 1.5 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 3.0 /5 |
Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far more than expected | Complaints to NAIC Ratings are based on complaints to state regulators relative to a company's size, according to three years' worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected |
Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Below average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Very few discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Average set of discounts |
Bottom line Wawanesa offers cheap coverage for drivers in California, but received more complaints than expected for a company of its size. | Bottom line Owned by State Farm, Gainsco sells policies to high-risk drivers and can provide an SR-22 if you need one. | Bottom line 21st Century sells bare-bones auto insurance policies in California only. |
Wawanesa insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Wawanesa offers the usual auto insurance coverages, including roadside assistance and rental reimbursement coverage. If you have comprehensive and collision insurance, you can add vehicle manufacturer replacement parts coverage, which replaces parts from the original equipment manufacturer at an additional cost.
» MORE: Compare auto insurance rates
Auto insurance discounts
California drivers may be able to earn the following discounts by:
Meeting Wawanesa’s “good driver” criteria for all drivers on the policy.
Taking an approved defensive driver course if you are 55 and older.
Insuring more than one car with Wawanesa.
Having an auto policy with Wawanesa for a year or more.
Buying multiple insurance products from Wawanesa.
Being a member of specific organizations Wawanesa partners with.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Wawanesa homeowners insurance
Wawanesa offers standard home insurance, as well as additional coverage that includes:
Limited earthquake coverage.
Scheduled personal property coverage.
Identity theft, fraud and home cyber protection coverage.
Wawanesa is currently only selling new home insurance policies in California.
Home insurance discounts
You might be able to earn a discount on your home insurance by:
Buying both your home and auto insurance from Wawanesa
Having a Wawanesa home insurance policy for at least a year.
Not having any claims in your first year with Wawanesa.
Ensuring you and any residents of your home are non-smokers.
Owning a home with an automated sprinkler system.
Owning a home with a burglar alarm or central monitoring system.
Equipping your home with a water leak detection device.
Complaints
Wawanesa had more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Wawanesa auto insurance
Website: Wawanesa’s website clearly outlines coverage details and available auto insurance discounts. You can also pay your bills, view policy information and get your ID card.
App: Wawanesa does not currently have a mobile app for California drivers.
Other insurance from Wawanesa
Wawanesa also offers condo and renters insurance in California and Oregon. However, the company is not currently offering new condo insurance policies.
You can get an auto insurance quote through the company’s website.
Wawanesa currently sells car insurance policies in California.
You can submit claims online or over the phone. A policy number is required when filing a claim online.
You can get an auto insurance quote through the company’s website.
Wawanesa currently sells car insurance policies in California.
You can submit claims online or over the phone. A policy number is required when filing a claim online.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
In this review . . .
DIVE EVEN DEEPER IN INSURANCE
