Is Wawanesa Car Insurance Good? Review, Cost 2025
Having offered car insurance since 1928, Wawanesa has grown to become one of Canada's leading automobile insurers. It consistently earns an A+ (Superior) rating from the respected insurance rating agency, A.M. Best, reflecting its financial strength and stability.
But is it the right choice for you? In this Wawanesa Car Insurance review, we tell you everything you need to know: Coverage options, pros, cons, costs, and discounts, so you can decide if it's best for you.
You can use our free tool to get free car insurance quotes online from Canada's best companies so you can truly find a plan that suits all your needs best.
Wawanesa Car Insurance: 5 Key Takeaways
- Wawanesa's mutual ownership structure prioritizes policyholder benefits.
- It offers a range of discounts, from loyalty to anti-theft, to reduce premiums.
- With a strong financial track record, Wawanesa ensures claims are handled reliably.
- Wawanesa's commitment to community involvement fosters local support and goodwill.
- Coverage and rates vary by province, requiring tailored attention to individual needs.
Our 2025 review of Wawanesa Car Insurance
Founded in 1896, Wawanesa Insurance has a rich history in the property and casualty industry. Despite its long-standing presence, it continues to expand and attract policyholders across Canada and the United States. In Canada, Wawanesa distributes its products through independent insurance brokers, except in Quebec, where it works with company agents.
The company has been offering Wawanesa Car Insurance since 1928. Here is what makes Wawanesa a good choice.
Pros of Wawanesa Car Insurance
- Mutual ownership: Unlike some shareholder-owned companies, Wawanesa is a mutual company. This means they are owned by their policyholders, which can influence their focus on member benefits over maximizing profits.
- Discounts: Wawanesa offers multi-product discounts for bundling your home and auto insurance, for example. They also reward claims-free members.
- Financial strength: Wawanesa boasts a strong financial record, which means they are likely to be able to pay out claims in the event of an accident or loss.
- Customer service: Wawanesa emphasizes exceptional service with empathy.
- Community focus: Wawanesa is committed to giving back and supporting the communities they serve.
Cons of Wawanesa Car Insurance
- Not widely offered by many insurance brokers.
- No instant quotes option on the website
- Website difficult to navigate
Before you consider Wawanesa, it's important to weigh other options in the market. Use our free tool below to compare car insurance quotes online from Canada's top providers right here.
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What does Wawanesa Car Insurance offer?
Wawanesa offers coverage in all Canadian provinces and they vary across provinces based on local provincial requirements. It offers both mandatory coverage and optional coverage options.
- Mandatory coverage: This typically includes third-party liability for bodily injury and property damage, accident benefits (medical and rehabilitation costs) and no-fault coverage (damages regardless of fault).
- Optional coverage: Collision or comprehensive coverage for your vehicle, vandalism protection, personal injury protection and roadside assistance.
Does Wawanesa offer any discounts?
It does! You can get the following discounts on your Wawanesa car insurance in Canada:
- Loyalty discount: Staying with Wawanesa for more than a year makes you eligible for this discount. The longer you stay, the greater the discount might become.
- Anti-theft discount: Equipping your car with anti-theft devices like alarms or immobilizers can deter theft attempts and qualify you for this discount. Factory-installed systems usually qualify for a bigger discount than aftermarket ones.
- Multi-product discount (bundling): Wawanesa rewards customers who bundle their home and auto insurance on the same policy with a discount. This can be a significant saving since you're essentially getting a multi-policy discount.
- Good driver discount: Maintaining a clean driving record free of accidents and violations for a certain period can lead to this discount.
Here are some additional discounts Wawanesa might offer (depending on your province):
Wawanesa Car Insurance Discounts
- Mature driver discount: Some provinces offer discounts for drivers over a certain age with a clean record.
- Low mileage discount: Drivers who drive fewer kilometres annually might qualify for a discount.
- Accident forgiveness: After a certain period without accidents, some provinces allow Wawanesa to offer accident forgiveness, which helps prevent your rates from going up after your first at-fault accident.
What is the cost of Wawanesa car insurance?
Car insurance rates are determined by several factors that are unique to each driver and vehicle — and Wawanesa car insurance is no exception.
Here are some common factors that can affect your monthly premiums:
- Provincial regulations: Mandatory coverages and insurance rate calculations vary by province.
- Driver profile: Your age, driving record, location and annual kilometres driven significantly impact the cost.
- Vehicle: The make, model, year of your car and any modifications all influence the price.
- Coverage selection: The type and amount of coverage you choose (e.g., liability vs. comprehensive) affect the final cost.
That said, here are Wawanesa car insurance quotes for G drivers with standard coverage:
| Location | Annual Cost ($CAD) | Monthly Cost ($CAD) |
|---|---|---|
| Toronto | 2170 | 180.83 |
| Ottawa | 2505 | 208.75 |
| Brampton | 3082 | 256.83 |
| Hamilton | 2342 | 195.17 |
| Mississauga | 2172 | 181.00 |
| London | 2298 | 191.50 |
| Kitchener | 2249 | 187.42 |
Use our comparator to see how Wawanesa's rates compare to other providers in your city/province.
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How to file a Wawanesa car insurance claim?
So there are two main ways to file a car insurance claim with Wawanesa in Canada:
Online
- You can report your claim through Wawanesa's online portal.
- This is available 24/7 and requires your Wawanesa policy number to get started.
- Just fill in all the required details and submit the form.
- Wawanesa’s team will take it from there.
Phone
- Call Wawanesa's dedicated claims line at 1-844-WAWANESA (929-2637).
- This Wawanesa car insurance phone number is available 24/7 for your convenience.
Here are some additional things to keep in mind when filing a Wawanesa car insurance claim:
- Gather information: When filing your claim, be prepared to provide details about the accident, including the date, time, location and information about any other vehicles involved (driver's licenses, insurance information, etc.).
- Photos: If possible, take pictures of the damage to your vehicle and the scene of the accident. This can be helpful for the claims adjuster.
- Police report: If the police were involved in the accident, be sure to obtain a copy of the police report for your records.
- Contact information: Keep your Wawanesa policy number and contact information readily available when filing a claim.
How to contact Wawanesa car insurance?
There are many ways to get in touch with Wawanesa. For instance, you can visit its website and try contacting its team from there. Here are some other ways:
- For claim information, call 24/7 at 1-844-WAWANESA (929-2637)
- Emergency after-hours claims number: 1-800-641-7988 or (416) 228-7899
Wawanesa Toronto office address
Suite 100 - 4120 Yonge Street
Toronto, Ontario
M2P 2B7
Toll Free: 1-800-268-7300
416-228-7828
8:30 AM - 4:30 PM (Eastern Time) Monday - Friday
Wawanesa Car Insurance Alberta office address
5008 86 Street NW
Edmonton, Alberta
T6E 5S2
Toll Free 1-800-625-7891
8:00 AM - 4:30 PM (Mountain Time) Monday - Friday
How to cancel Wawansa Car Insurance?
You can also call Wawanesa's customer service line at 1-844-WAWANESA (1-844-929-2637) and request to cancel your car insurance policy. Be sure to have your policy information readily available when you call.
Don't rush into deciding on your car insurance. Analyze all your options carefully and pick the one that best meets your needs. Check everything — cost, coverage, claims process, customer services, etc. Use our comparator to compare your options.
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