Full Review
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.

Wawanesa specializes in selling car insurance to California and Oregon drivers who have relatively clean driving records. Established in 1896 as a farmers’ mutual insurance carrier in Canada, Wawanesa opened up its United States branch in 1974 and sells auto and renters insurance directly to consumers.

Note: Wawanesa has stopped selling policies in Oregon temporarily.

» MORE: Best car insurance companies

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
How we review auto insurance companies

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.

Eligibility to apply for Wawanesa car insurance varies between California and Oregon. (As a reminder, Wawanesa is not currently selling new policies in Oregon.) Applicants with more than one at-fault accident or traffic violation point in the last 36 months won’t qualify for a premium quote.

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
Wawanesa offers the following discounts for drivers in both California and Oregon:

Discount if all drivers on the policy meet Wawanesa’s “good driver” criteria.

Discount for drivers 55 and older who take an approved defensive driver course.

Multi-car discount.

Discount if you have a policy with Wawanesa for a year or more.

Multi-policy discount.

Affinity discount for membership with specific partner organizations.

Wawanesa also offers additional discounts for drivers in Oregon only:

Discount if your vehicle has anti-theft features.

Driver training discount for those under age 19 who complete a driver education course.

Discount if the vehicle is equipped with a recovery device, such as LoJack.

Discount for paperless billing and automated payments.

Military discount. 

Discount for drivers switching from an active insurance policy with another provider.

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ZIP Code
94103
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 not currently selling new home insurance policies in Oregon.

» MORE: Best homeowners insurance companies

Home insurance discounts
Multi-policy discount.

Loyalty insurance discount.

Discount if you do not have any claims in your first year with Wawanesa.

Non-smoking discount.

Discount if your home has an automated sprinkler system.

Discount if your home has a burglar alarm or central monitoring system.

Discount if your home has 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 discounts for both California and Oregon drivers. You can also pay your bills, view policy information and get your ID card.

App: Wawanesa does not currently have a mobile app..

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.

Methodology
Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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 methodologyNerdWallet’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.