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Wawanesa Insurance review 2025

Updated Feb 01, 2025
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.1
Rating: 3.1 stars out of 5
Bankrate Score
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Home

Rating: 2.9 stars out of 5

2.9

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Cost & ratings

Rating: 1.67 stars out of 5

1.7

Coverage

Rating: 4.33 stars out of 5

4.3

Support

Rating: 4 stars out of 5

4.0

Auto

Rating: 3.2 stars out of 5

3.2

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Cost & ratings

Rating: 3.8 stars out of 5

3.8

Coverage

Rating: 2.5 stars out of 5

2.5

Support

Rating: 2.5 stars out of 5

2.5

About Bankrate Score

New

What’s new with Wawanesa?

Wawanesa car insurance review

Green circle with a checkmark inside

Pros

  • Online claims filing
  • Roadside assistance available
Red circle with an X inside

Cons

  • No mobile app for policy management
  • Customer service not available 24/7
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Good driver, good credit
Wawanesa full coverage premium
$2,824
National full coverage premium
$2,638
Wawanesa full coverage premium
$2,824
National full coverage premium
$4,644
Wawanesa full coverage premium
$4,797
National full coverage premium
$3,204
Wawanesa full coverage premium
$5,144
National full coverage premium
$3,774
Wawanesa full coverage premium
$5,835
National full coverage premium
$5,106
*All rates displayed are average annual rates.
Wawanesa full coverage premium
$5,245
National full coverage premium
$5,675
Wawanesa full coverage premium
$4,732
National full coverage premium
$4,894
Wawanesa full coverage premium
$3,707
National full coverage premium
$5,374
Wawanesa full coverage premium
$3,220
National full coverage premium
$3,251
Wawanesa full coverage premium
$2,961
National full coverage premium
$2,813
Wawanesa full coverage premium
$2,824
National full coverage premium
$2,638
Wawanesa full coverage premium
$2,589
National full coverage premium
$2,373
Wawanesa full coverage premium
$2,824
National full coverage premium
$2,638
Wawanesa full coverage premium
$2,589
National full coverage premium
$2,373
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
$2,824
$671
$2,887
$911
$2,388
$711
$3,297
$917
$1,897
$604
$2,035
$745
$2,826
$910
$2,192
$585
$2,149
$701
$1,838
$477
$2,035
$745
$2,826
$910
$2,192
$585
$2,149
$701
$1,838
$477
*All rates displayed are average annual rates.
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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Wawanesa
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Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Wawanesa home insurance review

Green circle with a checkmark inside

Pros

  • Identity fraud and home cyber protection coverage available
  • Special Limits Enhancements package is a simple way to add more coverage to a standard home insurance policy
  • Discounts available to help make home insurance more affordable
Red circle with an X inside

Cons

  • Only available in California
  • Home insurance questionnaire can be started online, but a full quote is only available with a live agent over the phone
  • Base home insurance policy with Wawanesa is no-frills compared to other carriers, with enhanced coverage at an additional cost
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Bankrate and Coverage Logo

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Wawanesa

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare Wawanesa with other insurers

Badge Icon Featured

Wawanesa

Wawanesa
Rating: 3.1 stars out of 5
3.1
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Cost & ratings

Rating: 2.7 stars out of 5
2.7

Coverage

Rating: 3.4 stars out of 5
3.4

Support

Rating: 3.3 stars out of 5
3.3

AAA

AAA
Rating: 3.9 stars out of 5
3.9
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Cost & ratings

Rating: 4.2 stars out of 5
4.2

Coverage

Rating: 3.7 stars out of 5
3.7

Support

Rating: 3.5 stars out of 5
3.5

American Family

American Family
Rating: 4 stars out of 5
4.0
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Cost & ratings

Rating: 3.9 stars out of 5
3.9

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 4 stars out of 5
4.0
OVERVIEW
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AAA ranks above average in California in J.D. Power’s 2024 U.S. Auto Insurance Study. The carrier offers home and auto insurance, as well as many other products and travel solutions. Whereas Wawanesa is only available in California, AAA is available nationally through its different insurance groups for tailored coverage options. Since the Automobile Club of Southern California is an AAA affiliate, most Wawanesa policyholders might be moved over to AAA policies in the future.
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 plan to relocate.
STANDOUT FEATURES
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Online Reviews Icon
Membership offers extra perks
Dollar Coin Icon
Various savings opportunities
Life Insurance Guide Icon
Offers life insurance
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Competitive rates for incidents
Loan Icon
High bundle discount discount
Briefcase Icon
Accessible local agencies
AVG FULL COV. AUTO RATE
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$2,329 $2,826
J.D. POWER AUTO SCORE
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701/1000 692/1000
AVG HOME RATE
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$1,795 $1,711
J.D. POWER HOME SCORE
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862/1000 877/1000
AM BEST RATING
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A(Excellent) A(Excellent)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Wawanesa insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is Wawanesa a good insurance company?

Reddit user 1*
May 30, 2023
Increasing cost of car insurance
“I went with Wawanesa car insurance like 10 years ago when I moved to california. They were the cheapest at the time. A small company in San Diego. Fast forward to today, they are increasing my car insurance from 120 to 160 a month. I know everyone is having an increase right now... but I'm not sure if I want to stay with them for such a high price.“
Reddit user 2*
May 30, 2023
Among the best companies
“[Wawanesa] is one of the best companies. See the JDPower ratings and/or the NAIC complaint index. Claims are going up. Liability is going up because everyone else's cars are more expensive. Collision is going up because replacing and/or fixing your car is more expensive. As such, companies that actually pay out fair claims are having to increase prices.”

Methodology

Auto

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

What policyholders are saying about Wawanesa

CTA Wawanesa has 25 reviews

Wawanesa has 25 reviews

Dive into community reviews below and see what others think about Wawanesa.

4.1 Star Icon
25 ratings
Info Icon
76% of consumers
recommend this insurer
Score breakdown
5 stars
44%
4 stars
32%
3 stars
16%
2 stars
4%
1 star
4%
Score by category
Overall rating 4.1 / 5
Original cost 3.6 / 5
Coverage 4.1 / 5
Customer Support 4.1 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Wawanesa.
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Anonymous Policyholder
August 20, 2024
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Because I have had a great experience with them and my dad has too
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Better rates and more benefits
Insurance Type
Auto
Score by category
Original cost 2 / 5
Customer Support 1 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Had the best rates and coverage.
How does this insurer compare to insurance companies you’ve had in the past?
It is great and ive been with it all my life.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The cost is moderate.
How does this insurer compare to insurance companies you’ve had in the past?
The processing is faster.
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The insurance support is better.
How does this insurer compare to insurance companies you’ve had in the past?
This is still the best.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The support system is very fast.
How does this insurer compare to insurance companies you’ve had in the past?
She details everything involved in buying insurance.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Seen it advertised, and gave it a shot.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Overall has been excellent customer service is always helping and doing more then I would expect
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I've been a perfect driver since 16 years old and they offer great coverage for less than most but for only great record drivers.
How does this insurer compare to insurance companies you’ve had in the past?
I've had GEICO in the past, both have been great and I would definitely recommend both.
Insurance Type
Auto
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
This insurance has better customer service because they listen to feedback and try to improve. I like the buying experience because they helped guide me through the entire process.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I recommend this brand because they offer the best customer support that is always improving.
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 4 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I choose this insurer due to my parents recommending it to me.
How does this insurer compare to insurance companies you’ve had in the past?
This insurer slightly underwhelmed me due to my parents praise.
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 2 / 5
Written by
Shannon Martin
Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor, Insurance