Auto, Renters, and Homeowners Insurance for California and Oregon (2024)

Wawanesa Insurance has been around the insurance world since 1896 in Canada, starting operations as a farmers’ mutual company in Wawanesa, Manitoba. The company branched out into the United States in 1975, and provides residents of California and Oregon with auto, renters, homeowners and condominium insurance, as well as identity theft services. Wawanesa’s U.S. operations are headquartered in San Diego, California.

Financial Stability Ratings, Customer Service Ratings, and Company Awards

Insurance rating organization AM Best gave an “A” Excellent rating in financial strength. The “A+” rating from the Better Business Bureau also ranks the company high in the area of customer service. In 2013, JD Power & Associates awarded Wawanesa Insurance its “Best in California” rating following analysis of its customer satisfaction survey results.

Insurance Products

Insurance customers in California and Oregon can obtain a quote through the company website or by telephone directly from the company. The following insurance products are offered to Wawanesa’s U.S. customers:

  • Auto Insurance: Bodily injury and property damage liability beginning at the state limits as well as comprehensive and collision coverage. Optional auto coverage includes emergency roadside assistance and uninsured motorist coverage.
  • Renters Insurance: The renter's policy offers replacement cost on content rather than actual cash value. Basic coverage includes personal property coverage, loss of use, personal liability and medical payments to others. You can increase your coverage by adding coverage for expensive personal property items, earthquake coverage, credit cards and more.
  • Homeowners Insurance: Oregon homeowners do not have the option to buy homeowners insurance through Wawanesa. As of June 2021, this insurance was also no longer available in California. Previously, the Wawanesa homeowners policy offered replacement cost for your dwelling even if it exceeded your policy limit. The company covered replacement costs up to 125% of your coverage limit.Basic protection included dwelling and other structures, personal property, loss of use, personal liability and medical payments to others.
  • Condominium Insurance: The condominium policy (not available in Oregon) provides replacement cost on contents, special coverage for dwelling and an inflation guard which will increase your policy limits to match the current replacement cost of your home. Basic coverage includes dwelling, personal property, loss of use, personal liability and medical payments. Optional coverage is available for increased limits, scheduled property, earthquake coverage (California), credit card, loss assessment coverage and more.
  • Identity Theft Services: Identity theft management services are available to policyholders including access to resources to resolve any identity theft activity. If you are a victim of identity theft, you will receive free credit and fraud monitoring services.

Discounts

Wawanesa offers flexible payment plans to fit your financial budget and there are also some valuable discounts available through Wawanesa to help you save on your insurance premium:

  • Auto Discounts:Good Driver, Multi-Car, Mature Driver, Loyalty, Driver Training
  • Renters Discounts: Fire or Smoke Alarm, Fire Extinguisher, Burglar Alarm, Gated Community
  • Condominium Discounts: Home Protection Device, Water Alarm, Sprinkler System, Non-Smoker, Multi-Product, Age of Homeowner, Claims-Free
  • Homeowners Discounts: Multi-Product, Non-Smoker, Burglar Alarm, Water Alarm, Sprinkler System, Loyalty, Claims-Free
  • Multi-policy Discounts: Discounts for multiple policies on homeowners/auto coverage

Policy Services

From the company website, you can get or retrieve a quote for auto, renters, homeowners or condominium insurances. You can also manage your policy billing by making an inquiry, paying online, requesting a change or proof of insurance. For claims, you can submit an auto or residential claims 24/7.

The Bottom Line

Wawanesa Insurance ranks high in financial stability and customer service satisfaction. Overall, it is a good option for residents of California and Oregon to consider when looking for the best value on an insurance policy.

The best rates for auto insurance will go to those with good driving records, so if you have several tickets or accidents, you may be able to obtain a more affordable option with a company specializing in high-risk drivers.One thing that potential customers should realize is that it is likely that you will not receive an immediate quote for insurance coverage from the company website, but may be emailed a quote the next day after your information has been reviewed.

Contact Information

For more information about the insurance products offered from Wawanesa, you can visit the Wawanesa Insurance website. Quote, claims and customer service representatives are available Monday–Friday, 7:30 a.m. to 7:30 p.m. and on Saturdays from 8am to 4:30 pm.

Auto, Renters, and Homeowners Insurance for California and Oregon (2024)

FAQs

Is car insurance more expensive in Oregon than California? ›

You should expect to pay less for auto insurance once you relocate. The average annual auto insurance rate in Oregon is $439 cheaper than the average expense in California. The precise cost will depend on your coverage choice, insurance history, and your choice of car insurance company.

Can I use my California car insurance in another state? ›

No matter where you live, your standard car insurance policy will typically cover you in all 50 states and Canada.

What is the average renters insurance in Oregon? ›

The average annual cost of renters insurance in Oregon is about $11.89 per month or $143 annually, according to data from Quadrant Information Services. However, these are average figures.

Is USAA canceling homeowners insurance in California? ›

To clarify, State Farm, Allstate Farmers USAA, Travelers, Nationwide and Chubb are still active in California, they have just either limited or stopped writing new home insurance policies. Current home insurance policies with these providers are still being honored.

What state has the worst insurance rates? ›

These are the most expensive states for full-coverage car insurance:
  • Louisiana: $4,357 per year.
  • New York: $4,112 per year.
  • Michigan: $4,067 per year.
  • Pennsylvania: $3,909 per year.
  • Nevada: $3,870 per year.
Aug 8, 2024

What is the number 1 car insurance in California? ›

Based on our research, Geico offers the best car insurance in California. Progressive, USAA and State Farm are also reliable options for most drivers. *Our research team considers nationwide factors when rating providers.

What insurance is accepted in all 50 states? ›

The Blue Cross and Blue Shield Association is a national federation of independent, community-based and locally operated Blue Cross and Blue Shield companies. Healthcare coverage is one of the most important decisions you make. Choose the card that opens doors in all 50 states.

What happens if you don t have car insurance in the state of California? ›

Driving without insurance is an infraction and is punishable be a fine between $100 and $200 plus any other state assessments and fees. However, if the driver is ticketed a subsequent time for driving without insurance within 3 years of the first infraction, then the fine will be between $200 and $500.

How long can one drive a car registered in one state of the US in another state? ›

Generally, you can drive out-of-state for up to 30 days without having to re-register the car.

How much is renters insurance in California? ›

Although California law doesn't mandate renters insurance, your landlord may require it. The average cost of a policy in the state is around $16 per month, according to data obtained from Quadrant Information Services.

Who has the cheapest renters insurance? ›

Our Cheapest Renters Insurance Companies of 2024
  • #1 State Farm.
  • #2 Lemonade.
  • #3 Farmers.
  • #4 Nationwide. #5 Allstate.

Can I require renters insurance in Oregon? ›

Yes, Oregon Revised Statute (ORS) 90.222 allows a landlord to require you to have a renters insurance policy. Landlords are not allowed to require that they be named as an additional insured on the insurance policy.

Is State Farm pulling out of California? ›

When will the change take effect? Starting in July 2024, State Farm will stop insuring more than 30,000 residential homes in California, and starting in August, will discontinue coverage on 42,000 commercial apartment properties.

Why is it so hard to get homeowner insurance in California? ›

The companies are blaming wildfires, inflation that raised reconstruction costs, higher prices for reinsurance they buy to boost their balance sheets and protect themselves from catastrophes, as well as outdated state regulations — claims disputed by some consumer advocates.

Is State Farm cancelling homeowners insurance in California? ›

This decision comes after State Farm announced in May 2023 that it would no longer be accepting new applications for home and business owners. The cycle of property insurance policy non-renewals will begin on July 3 and the commercial apartment policy non-renewals will begin on Aug.

Are taxes cheaper in Oregon or California? ›

Oregon doesn't have a state-mandated sales tax. While a few towns and cities have implemented their own tax on particular items (e.g. 5% tax on prepared food in Ashland), they're few and far between. California, on the other hand, has a 7.25% sales tax on all purchases. In some counties, it's even higher than that.

Is Oregon or California more expensive? ›

However, when comparing them overall, both states have similar median household incomes, but Oregon has a lower cost of living. This even applies to the bigger cities in each state, such as the cost of living in Portland vs. several similar California cities.

Is car insurance more expensive in Portland Oregon? ›

Cheapest car insurance rates by ZIP code in Portland, OR

Car insurance in Portland costs more on average than almost every other city in Oregon, but your rates may not be as high depending on your ZIP code.

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