State Farm vs. Wawanesa: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Wawanesa offers significantly less expensive prices than State Farm
• State Farm offers more affordable average rates for drivers who have less-than-stellar credit
• Wawanesa offers more affordable prices for policyholders who have a clean driving record, free of accidents, tickets, or DUIs

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State Farm vs. Wawanesa: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering pretty big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to State Farm or Wawanesa as potential options, but between the two, which carrier will offer you cheaper rates?

Looking at the national average rates for both companies, Wawanesa has average rates that are about 35% per month more affordable than those from State Farm.

However, that doesn't necessarily mean Wawanesa will be the less expensive option for each driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your credit score, or even your driving record (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

So, if you want to find out which of State Farm or Wawanesa is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

State Farm or Wawanesa: Average Car Insurance Rates by State

State Farm and Wawanesa only compete against each other in California, where Wawanesa offers the cheaper average premiums. For California residents, Wawanesa offers insurance for $104 a month on average. State Farm's average rates come out to be over 70% more expensive, at $224 per month.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. Usually, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Wawanesa save nearly $200 a month compared to those who use State Farm. It's worth noting that State Farm offers auto insurance in 51 different states compared to Wawanesa's one, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will reduce rates by the time drivers turn 25. For example, average premiums for State Farm policyholders drop more than $200 and Wawanesa's prices decrease around $70 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

When looking at State Farm and Wawanesa specifically, which company is best for retired drivers? Wawanesa gets the edge, with rates for drivers 65 and older $24 cheaper than the national average for State Farm.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly more affordable auto insurance premiums than single policyholders. That's because policies for married policyholders normally cover multiple cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Wawanesa is the clear winner for single drivers, with rates about $64 per month cheaper than State Farm, on average. The advantage for married drivers with Wawanesa is also obvious, where drivers save almost $40 a month.

State Farm vs. Wawanesa: Average Rates by Gender

Men are statistically more likely than women to get into an accident or get pulled over for speeding, which means they'll typically end up paying more for car insurance than women.

With State Farm, women generally pay around $10 per month less than men; men and women end up paying the same monthly prices with Wawanesa.

Looking at overall affordability, Wawanesa comes out as the cheapest option for both genders. On average, women save about $48 a month and men save about $60 with Wawanesa compared to the average State Farm policyholder.

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State Farm or Wawanesa: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance isn't the easiest topic to understand. There are several different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which normally refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Wawanesa usually offers significantly less expensive premiums of $64 compared to State Farm's $99. When it comes to full coverage policies with similar limits, Wawanesa again has the edge, with policies around $70 per month more affordable than State Farm, on average.

Is State Farm or Wawanesa Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that collisions and tickets lead to higher premiums, but which carrier -- State Farm or Wawanesa -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

State Farm policyholders can expect their premiums to go up an average of $21 a month if they get a ticket, while Wawanesa normally raises prices about $31 per month, on average.

Even so, Wawanesa tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 45% cheaper for drivers with clean records and 32% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through State Farm can expect to see around an $29 -- or about 18% -- increase in their insurance rates. Drivers who use Wawanesa for their auto insurance will see a monthly bill around $39 (or 35%) more expensive after reporting a collision to their insurance company.

Overall, the more affordable premiums come from Wawanesa, with monthly rates averaging $113 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, Wawanesa increases average prices by over $50 a month -- that's over a 40% increase.

Wawanesa has the overall cheapest premiums for drivers with a DUI on their records at $125 monthly, but it's worth noting that State Farm's average rates come from 51 states compared to just one for Wawanesa, so the data may be skewed slightly.

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How does Credit Score Impact State Farm and Wawanesa Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? This isn't always the case (for example, Hawaii and Michigan are two states that ban the practice entirely), but it will come into play for lots of drivers.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at State Farm and Wawanesa, which company has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Normally, if you have excellent credit, you can expect to be rewarded. With State Farm, improving your score from "good" to "excellent" will typically save you about 25%. On the other hand, because Wawanesa doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit usually means you'll also see higher prices with State Farm. For drivers with less-than-stellar credit, at State Farm, you may pay around $150 per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, because Wawanesa doesn't have data available for credit scores, they could have better rates for drivers with bad credit over State Farm.

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Is State Farm or Wawanesa Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. Generally, the more miles you put on your vehicle each year, the more you can expect to pay for auto insurance.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Wawanesa tends to be the less expensive option. Wawanesa's average prices for drivers with 6,000 annual miles come in about $53 cheaper than State Farm. Those who drive 12,000 miles yearly can expect to pay around $53 less with Wawanesa over State Farm.

State Farm vs. Wawanesa: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a substantial role in how much you pay for insurance. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Wawanesa tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Wawanesa offers prices about $114 a month compared to State Farm's $185. People who live in suburban ZIP codes can expect to pay around $105 a month for Wawanesa and $161 for State Farm. Lastly, those in rural areas tend to get the cheapest premiums from both carriers, with average monthly rates coming in at $95 and $127 for Wawanesa and State Farm respectively.

State Farm vs. Wawanesa Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

In the section below, we've taken a look at all of the different discounts State Farm and Wawanesa offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

State Farm blows Wawanesa away when it comes to the sheer amount of discounts available, offering 21 more discounts than Wawanesa.

Both companies offer a lot of the same discounts -- like discounts for being a good driver and mature driver discounts -- but State Farm also offers ABS discounts, annual mileage discounts, anti-theft discounts, and more that Wawanesa does not.

Wawanesa's discounts come through just two categories -- Good Driving and Mature Driver.

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Final Thoughts: Is State Farm or Wawanesa Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, is State Farm or Wawanesa the best carrier for you, your vehicle, and your wallet?

Wawanesa might be best for you if....

• You have a DUI charge on your record.
• You don't spend much time in your car.

State Farm might be best for you if...

• You have less-than-stellar credit.
• You have above-average credit.
• You care about discounts (State Farm offers the most).

We hope this guide has ben a valuable resource as you compare State Farm and Wawanesa and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several companies, not just State Farm and Wawanesa. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

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State Farm vs. Wawanesa FAQs

Is State Farm or Wawanesa cheaper?

Looking just at the national average premiums, Wawanesa is the less expensive of the two companies, offering average rates of $104 per month compared to $158 for State Farm. But Wawanesa won't necessarily be the most affordable company for every policyholder, since there are a variety of different factors that are considered when it comes to your car insurance cost.

Who is better, State Farm or Wawanesa?

Sadly, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Wawanesa offers cheaper prices for drivers with an at-fault accident on their record, while State Farm is more affordable for drivers who have less-than-stellar credit scores.

Why do State Farm and Wawanesa offer me different rates?

Car insurance carriers take a look at quite a few different variables when determining the rates they charge policyholders. Factors such as age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both State Farm and Wawanesa calculate premiums using different variables, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different companies.

How do I know if State Farm or Wawanesa is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be State Farm or Wawanesa at all!

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Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.