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Wawanesa Insurance review 2022

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A family sits with their kids, playing with toy cars on a cardboard box made to look like a racetrack.
kate_sept2004/Getty Images
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Bottom line: Wawanesa consistently earns high J.D. Power customer satisfaction ratings, making it a draw for homeowners and drivers who value a good experience. Its limited availability, however, makes it an option only for California residents.

Perks Drawbacks
Consistently high customer satisfaction ratings from J.D. Power’s annual Auto Insurance Study Home and auto insurance is currently only available in California. Wawanesa no longer offers insurance in Oregon.
Homeowners can choose personal property limits within their home insurance policy While claims can be reported at any time of day, claims assistance and policy support are only available during business hours

Originally based in Canada, Wawanesa first entered the U.S. insurance market in California in 1975. Since then, it has expanded to Oregon, but has since stopped offering policies in that state. Today, only homeowners and drivers in California can opt for Wawanesa homeowners and auto insurance policies. Bankrate’s Wawanesa insurance review sheds some light on who might benefit most from this regional carrier.

Wawanesa car insurance

Wawanesa ratings for customer satisfaction are consistently high, especially for its car insurance. In the 2022 J.D. Power Auto Insurance Study, Wawanesa car insurance ranked first in the California region, scoring 879 points out of a possible 1,000. Wawanesa car insurance also earned an A+ (Superiod) from AM Best, indicating superior financial strength. However, Wawanesa earned a Bankrate Score of 3.4 out of 5.0, as it lacks some of the things that the best car insurance companies tend to have, like a mobile app, local agencies and 24/7 customer support.

Additionally, Wawanesa insurance is only offered in California. In addition to state-required coverage, like bodily injury and property damage liability, drivers could opt to include special vehicle equipment coverage, which insures aftermarket customizations and equipment added to the vehicle, and vehicle manufacturer replacement parts. With this optional coverage, car parts can be replaced with original equipment manufacturer (OEM) parts after a covered accident instead of standard or aftermarket parts.

Wawanesa car insurance cost

Drivers with Wawanesa pay an average of $1,562 per year for full coverage and $574 per year for minimum coverage, according to rates from Quadrant Information Services. The cost of a full coverage policy with Wawanesa is slightly lower than the national average cost of car insurance of $1,771 per year, while a minimum coverage policy with Wawanesa is more expensive than the national average of $545 per year. However, because car insurance rates vary by individual and car insurance carrier, your actual rate could be higher or lower depending on rating factors like your driving record, vehicle make and model, and more.

Wawanesa average annual full coverage premium National average annual full coverage premium
Clean driving history $1,562 $1,771
Speeding ticket conviction $2,221 $2,138
At-fault accident $2,344 $2,521
Adding a 16-year-old driver $3,836 $3,852

Wawanesa car insurance discounts

If you want to save on car insurance, adding discounts can help. A few special car insurance discounts that Wawanesa offers include:

  • Loyalty discount: If you stay insured with Wawanesa for one year without a lapse, this discount could be added to your policy at renewal.
  • Anti-theft discount: Features in your car like a GPS tracker or stolen vehicle recovery system could help you qualify for this discount.
  • Affinity discount: If you are a member of an affinity group partnered with Wawanesa, this discount could be added to your policy. A Wawanesa representative could help by providing you with a full list of accepted organizations.

Wawanesa car services

Wawanesa doesn’t offer any extra services to its auto insurance customers.

Wawanesa home insurance

Like with its car insurance, Wawanesa home insurance is currently only offered in California. Wawanesa’s home insurance earned a Bankrate Score of 2.0 out of 5, scoring lower than its car insurance policy. One factor is that Wawanesa’s standard home insurance policy is relatively basic, and homeowners will need to opt in and pay an additional premium for increased limits. The options are included under its Special Limits Enhancements coverage, and include options for personal property, watercraft and equipment, as well as extended replacement cost.

Other add-on home insurance coverage with Wawanesa is also available. This includes the option to schedule personal property for any high-value items, like artwork and jewelry, that exceed the personal property maximum for special belongings. Homeowners worried about their personal information could also include identity fraud and home cyber protection coverage in their Wawanesa home insurance policy.

Wawanesa home insurance discounts

While data on the average cost of homeowners insurance with Wawanesa is unavailable, the carrier does offer discount opportunities. Those who want the best homeowners insurance company without breaking the bank may be able to take advantage of these savings opportunities to help save on their premium.

Some of Wawanesa’s home insurance discounts include:

  • Non-smoker discount: If all residents in a home do not smoke, this unique discount could be added to the policy.
  • Sprinkler protection discount: This discount could be earned if the home has automatic sprinklers in the main areas, such as the kitchen and bedrooms, that help reduce fire risk.
  • Water alarm discount: If your home has a water leak detection device that has been professionally installed and has its own automatic shut-off valve, it could earn you another discount.

Wawanesa home services

Wawanesa doesn’t offer any additional services for home insurance customers.

Wawanesa corporate sustainability

Wawanesa regularly donates to charities supporting causes like health, education and arts and culture, but also encourages employees to take part as well. In September 2021, to celebrate its 125th anniversary, Wawanesa employees were given $125 to donate to a charity of their own choice. In addition, employees were able to nominate another organization to be one of 16 that would receive $12,500 from Wawanesa. In all, Wawanesa was able to donate $700,000 to community non-profits located in Canada and the United States. This was an additional amount added to the $3.5 million that Wawanesa had given to its partner charities for the year.

Other Wawanesa perks worth considering

In addition to home and auto insurance, Wawanesa also offers the following insurance products:

  • Renters insurance: As a renter, it’s important to insure your own belongings, as your landlord’s policy does not insure this. Liability coverage is also provided through renters insurance.
  • Condominium insurance: Condominium unit owners need to have insurance to cover the interior of their units, which this type of insurance provides.
  • Pet insurance: Wawanesa has partnered with Embrace to offer pet owners an affordable option to care for their pets.

Not sure if Wawanesa is right for you?

Although Wawanesa may meet the needs of many drivers and homeowners, perhaps you’re looking for a carrier that has a bit more flexibility and offerings. Comparing with other carriers can also give you an idea of what your preferences are. Below are some competitors that might also offer what you need:

  • AAA: AAA ranked second in J.D. Power’s Auto Insurance Study. The carrier offers home and auto insurance, as well as many other products and travel solutions.
  • American Family: American Family consistently receives strong customer satisfaction ratings for its home and auto insurance policies. It’s also more widely available than Wawanesa, which could be ideal for those who relocate often.
  • Allstate: As a large insurer, Allstate’s home and auto insurance are available in almost every state. Those who want a one-stop shop for their insurance and financial investment needs may appreciate its wide variety of life insurance and finance products.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Bankrate Scores

Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
June Sham
Insurance Writer
June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.
Edited by
Insurance Editor