Wawanesa Insurance Review

Mar 31, 2025

Mar 31, 2025Car Insurance Writer

Editor’s Rating

3.5 out of 5 rating 3.5 / 5

This review is not provided, commissioned or endorsed by any company. Opinions and ratings are our own.

Wawanesa Review Summary

Wawanesa is a pretty good insurance company, earning a 3.5/5 rating from WalletHub editors and good scores from organizations like Better Business Bureau and J.D. Power. The Wawanesa General Insurance Company is headquartered in San Diego, California, and is licensed to offer insurance in California and Oregon. Wawanesa Insurance is a subsidiary of the Automobile Club of Southern California (AAA).

In the sections below, you can learn more about Wawanesa insurance and how it fares against popular competitors.

Summary: Wawanesa Scores by Review Category

Category	Score
Wawanesa Quotes / Pricing	30/30
Customer Service & Reviews	7.5/30
Wawanesa Financial Stability	0/4
Wawanesa Claims Process	15/15
Wawanesa Types of Insurance and Additional Services Offered	5/5
Wawanesa Discounts	1/5
Wawanesa Transparency	5/5
OVERALL	66.5/94

Now that you’re familiar with how Wawanesa scores in each of our review categories, let’s see how it compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.

Wawanesa Car Insurance Pricing

Category Rating: 100% (30 out of 30)

Wawanesa received a score of 30/30 in the cost portion of this review, as its premiums rank in the first quartile among the cheapest major car insurance providers that WalletHub evaluated. Learn more about WalletHub’s Methodology.

Wawanesa Customer Service & Reviews

Category Rating: 25% (7.5 out of 30)

Reviews on WalletHub: 2.2/5
J.D. Power: 3.1/5
NAIC: 2.62
BBB: A+

Wawanesa isn’t the best when it comes to customer service. The company’s NAIC rating is 2.62, so Wawanesa has received more complaints than the average car insurance provider. The overall high number of complaints and the fact that it doesn’t offer 24/7 live support lost Wawanesa quite a few points in this category.

Wawanesa Financial Stability

Category Rating: 0% (0 out of 4)

AM Best: A+

When it comes to financial strength, Wawanesa has received a poor rating from AM Best, one of the nation’s leading credit rating agencies for the insurance industry.

Wawanesa Claims

Category Rating: 100% (15 out of 15)

Wawanesa lets you file claims online or over the phone, which you can reach at 888-WAWA-CLAIM (929-2252). Wawanesa’s accessibility has earned it full marks in this category, per the WalletHub’s grading criteria.

Wawanesa Types of Insurance

Category Rating: 100% (5 out of 5)

Auto Insurance
Renters Insurance
Condo Insurance
Homeowners Insurance
Pets Insurance

Wawanesa offers a wide variety of insurance options, so it got the highest score possible in this category.

Wawanesa’s auto insurance policies offer coverage options which include bodily injury liability, property damage liability, collision, comprehensive, uninsured/ underinsured motorist property damage, personal injury protection and auto medical payments.

Wawanesa Discounts

Category Rating: 20% (1 out of 5)

Good Driver Discount
Multi-Car Discount
Defensive Driver Discount
Loyalty Discount
Multi-Policy Discount
Anti-Theft Discount
Affinity Discount

Wawanesa offers 7 discounts, which is not as many as some of its competitors. Since it offers an average number of discounts, Wawanesa received a low score in this category.

Wawanesa Transparency

Category Rating: 100% (5 out of 5)

You can find key information on the Wawanesa website quickly and easily, so it gets the best score possible in the transparency department.

Bottom Line

Wawanesa is a pretty good insurance company that offers a wide variety of coverage options and other benefits to its members. However, Wawanesa didn’t score well when it comes to financial stability, customer service and discounts.

Wawanesa Car Insurance vs. Competitors

Insurer	Wawanesa	GEICO	Progressive	State Farm
Average Premium*	$895 per year	$1,009 per year	$1,296 per year	$1,410 per year
Number of Car Insurance Discounts	7	23	18	16
Offers Home Insurance	Yes	Yes	Yes	Yes
Complaints Score (lower is best)	2.62	0.81	1.52	1.35
Editor’s Rating	3.5	3.8	3.1	3.8

Questions & Answers

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