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Affordable car insurance that covers what you need

Get peace of mind with a Wawanesa car insurance policy, which can include a variety of coverages such as Bodily Injury Liability, Property Damage Liability, Comprehensive, and Collision coverage.

Our services are specially designed to meet the diverse needs of drivers across California and Oregon, ensuring a personalized and comprehensive coverage plan for every customer.

Bodily Injury Liability

Should you be held legally responsible, this coverage pays for injuries or death to another person, and related costs arising out of a covered accident, up to your policy limit.

Property Damage Liability

Should you be held legally responsible, this coverage pays for damages to another person's property like their car, home, or fence arising from a covered accident, up to your policy limit.

Comprehensive Optional Coverage

Pays, up to your policy limit minus your deductible, to repair or replace your car if damaged by something other than a collision. This includes theft, fire, vandalism, storm, contact with animals, and more.

Collision Optional Coverage

Pays, up to your policy limit minus your deductible, to repair or replace your car if overturned or damaged in a collision with another vehicle or object.

Roadside Assistance Optional Coverage

A safety net that pays for common roadside services, up to policy limits, if your car is disabled.

Auto insurance coverages vary from state to state. Learn more about the types of auto insurance coverage and let us help you find the right coverage for your vehicle.

Auto Insurance Coverage

Why do you need car insurance?

Car insurance is mandatory in 48 states. It protects you against financial loss in the event of an accident or theft. In exchange for your premium payment, the insurance company agrees to pay any losses incurred covered under your policy.

How to compare car insurance quotes

To make sure you’re comparing companies at the same levels, choose the same coverages with the same deductible and liability amounts. That way, you get an accurate “apples to apples” comparison of each company’s rates, which can help you get the best deal.

Choose your car insurance coverage

It’s important to determine how much coverage you need to fully protect your assets. Bodily injury liability and property damage liability are mandatory, but optional coverages should be considered as well to provide adequate protection.

Consider your limits

The limit for each coverage is the maximum amount paid out for a covered claim. Since state minimum limits are not usually enough to cover actual expenses incurred after an accident, it’s important to choose the highest limits you can afford.

Otherwise, you’ll have to make up any difference in costs out of your own pocket.

Select your deductible

The deductible is the amount you pay before your coverage kicks in. Choosing a higher deductible lowers your premium, but you’ll be on the hook for bigger out-of-pocket expenses after a covered incident.

The reverse is true too: A lower deductible means a higher premium, but the amount you’ll need to pay after an accident or other incident will be less.

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What affects my car insurance rate?

The rate you’ll pay for car insurance depends on several factors. To help you better understand what can affect your rate we've provided an overview of several factors.

State Requirements

The amount you end up paying depends on your state’s minimum limits and coverage requirements. The more coverage you need to buy, the more your policy will cost.


Younger drivers pay more because their lack of experience means they’re more likely to be involved in an accident. After age 25, rates go down until you become a senior (age 65) when higher rates come into play again.

Make and model

Certain cars cost less to insure. If your car has high safety ratings, you’ll likely pay less. But if your vehicle model is popular with car thieves, it will cost more to insure it.

Annual mileage

The more time you spend on the road, the greater chance you have of getting in an accident. If you only use your car for leisure trips, you’ll pay less.


Traffic violations and accidents will increase your rates. If you have multiple infractions, you’re considered a high-risk customer and will have to pay more for insurance.

Driving record

A clean record can garner you safe-driving discounts. Also, the years you’ve held a license affects your rate, with new drivers paying more.

ZIP Code

Where you park your car at night will influence your rate. Garaging it can get you a discount, but if you live in an area with more crime and/or crowded roads, you’ll pay more than a driver in a rural area.

Save money with Wawanesa’s auto insurance discounts

Save even more with all the discounts you deserve. Discounts can vary by state.


Loyalty does have its rewards. You’ll be eligible for this discount at policy renewal after you’ve been continuously insured with us for one full year.

Mature Driver Course

Those older and wiser drivers among us (55 and up) can save money by successfully completing a DMV-approved defensive driver course.


Simply insure more than one vehicle (everything on wheels except your motor home) on the same policy to score this discount.

You may qualify for additional Wawanesa discounts like the Affinity or Multi-policy. To make sure you’re getting everything you should be to maximize your premium savings, check out all our driving discounts.

Car Insurance Discounts

Auto Insurance Frequently Asked Questions

Why Wawanesa For Auto Insurance

What kind of service can I expect from Wawanesa?
Every day, we strive to exceed our member’s expectations and support them when they need it most. We have many long-term members and are grateful for their loyalty.
How does Wawanesa give back to the community?
As our company has grown, so has our commitment to giving back. Our community impact program gives back to local and national partner organizations throughout the United States. Our program is rooted in Wawanesa's purpose, to look after one another and exemplifies our vision of together, building a safer, healthier, more sustainable future for our members and communities. Learn more about our community impact program. We strive to set an example for excellence in corporate philanthropy and be a positive force in the communities we live and work.
What are Wawanesa’s values?
We are here to look after one another. For us, this includes our members, our employees, and our communities. Our values guide us in all we do:
  • Service - we strive for exceptional service delivered with empathy.
  • Openness - we build trust by being inclusive, supportive and straightforward.
  • Fairness - in good times and bad, we do right by people.
  • Collaboration - working as one team, we respect what everyone brings to the table.
  • Community - supporting our communities is the essence of who we are.

Auto Insurance Policies and Coverage

What discounts are available?
Wawanesa offers several discounts that could save you money on your policy. To find out more, please check out our auto insurance discounts.
Does Wawanesa offer Roadside Assistance?
Yes, Roadside Assistance is an optional coverage you can add to your policy for extra peace of mind. Learn more about our roadside assistance coverage and the benefits of our Sign and Drive option.
Does Wawanesa offer Rental Car coverage?
Yes, this coverage is available on all vehicles insured for either Comprehensive or Collision coverage by Wawanesa.
Does my policy cover me if I drive in Mexico?
No, your Wawanesa policy does not cover you if you drive in Mexico. Please note that Mexican law requires you to buy an auto tourist policy to legally drive in the country.
I was responsible for causing an accident. Will my rates go up?

It depends on multiple factors, including the amount of damages incurred and if there were any injuries involved.

If you are found to be 51% or more responsible for the accident and there is more than $1,000 in total resulting damages, or someone was injured or killed, you are considered at-fault in the accident and your premium will increase at your next policy renewal.

How long does an at-fault accident and/or a traffic conviction surcharge remain on my policy?
A surcharge for an at-fault accident and/or a traffic conviction remains on your policy for 3 years, starting from the first renewal after the accident and/or conviction date.
If I rent a car, does my Wawanesa policy cover me?

If you rent a private passenger car, light van or pick-up, in Canada, the U.S. or its possessions or territories, you are covered by your Wawanesa Auto Policy.

  • If you carry Rental Expense coverage and need to rent a vehicle because your covered auto is either disabled or being serviced as a result of a covered claim, your policy will cover the rental vehicle.
  • If you rent a vehicle for any reason other than disablement or servicing, it will have the broadest coverage we currently provide for any vehicle shown on your policy declaration page.

Auto Insurance Payments

How can I make a payment?

You can pay your premium easily by logging into or setting up your online account.
Or you can mail a check, payable to:

Wawanesa General Insurance Company
P.O. Box 85048
San Diego, CA
What happens if my payment is late?
You can avoid a lapse in coverage if you pay in full within 30 days of the payment due date. If you make a payment after 30 days, your policy will be subject to new terms and conditions.
Is there a fee to cancel my policy?
Yes. There’s a $50 cancellation fee if you cancel within 60 days of your policy’s start date.

Have more questions on auto insurance? Visit our FAQs page to find answers on common questions relating to coverage, making a claim, and more.

Auto Insurance FAQs


Please note that this website provides only a summary of auto insurance to generally illustrate how auto insurance works. Your insurance policy is the legal contract containing the terms and limitations of your coverage. Any coverage provided by a Wawanesa General Insurance Company policy is subject to the terms, conditions, exclusions and endorsements of your insurance policy.