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

Quick Facts

• Looking at the national averages for insurance, Wawanesa offers significantly less expensive rates than Allstate
• Allstate may help you save more money -- they offer more discounts than Wawanesa Insurance
• Wawanesa tends to be a much cheaper option for drivers with a DUI

Allstate or Wawanesa: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering sizable savings. But exactly how much can you save by switching?

You might be considering Allstate or Wawanesa as potential options, but which company will save you the most?

Looking at nationwide averages, Allstate is quite a bit more expensive than Wawanesa, with premiums averaging $199 a month compared to just $104 with Wawanesa.

However, that doesn't mean Wawanesa will necessarily be more affordable than Allstate for each driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things), so rates could vary drastically from person to person.

Luckily, we've broken down average premiums from both Allstate and Wawanesa by several different rate factors, so read on to find out which company is the best for you.

Allstate vs. Wawanesa: Average Car Insurance Rates by State

Allstate and Wawanesa only compete against each other in California, where Wawanesa offers the cheaper average prices. Wawanesa drivers tend to pay about $128 per month less on average compared to drivers who use Allstate for their insurance.

But there's more to calculating car insurance premiums than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of almost 60% less a month by choosing Wawanesa over Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Wawanesa's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your rates drop significantly by the time drivers turn 25. For example, average premiums for Allstate policyholders lower nearly 65% and Wawanesa's prices decrease over 40% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest auto 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 premiums for car insurance.

When looking at Allstate and Wawanesa specifically, which carrier is best for retired drivers? Wawanesa gets the edge, with rates for drivers 65 and older $65 less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are typically cheaper for married policyholders than they are for those who are single? That's because policies for married drivers usually cover multiple vehicles, which lots of carriers will give you a discount for.

For single policyholders, the difference in average premiums between these two companies is significant, with Wawanesa rates coming in at around half of Allstate's. The advantage for married couples with Wawanesa is also obvious, where drivers save about $70 per month.

Allstate or Wawanesa: Average Rates by Gender

Did you know men tend to pay more for auto insurance than women? That's because women are less likely to get into collisions and get speeding tickets, which decreases the chances of filing a claim with insurance.

Normally, men see prices around 4% a month higher with Allstate; and with Wawanesa, both genders end up paying the same monthly premium.

Looking at the data for each company specifically, Wawanesa offers the most affordable average premiums for both men and women. On average, male drivers save about $99 per month and women save about $90 with Wawanesa compared to the average Allstate policyholder.

Allstate vs. 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.

It's no secret that car insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, Wawanesa has the significant edge, with average monthly prices coming in at $64. If you want a full coverage policy with the same state minimum limits, Wawanesa again has the edge, with policies averaging around $144 a month to Allstate's $289.

Is Allstate or Wawanesa Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great rates 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 at-fault collisions and speeding tickets lead to higher prices, but which carrier -- Allstate or Wawanesa -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their auto insurance can typically expect their monthly bill to go up about 15% after getting a speeding ticket. Wawanesa policyholders can expect a bit more drastic of an increase of around 30%.

But Wawanesa is normally the more affordable option for both drivers who have a recent ticket and those with clean records, offering premiums that are 53% and 43% cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their prices rise by just under $75, while those who have insurance through Wawanesa will see about a $40 increase.

At the end of the day, drivers who use Wawanesa end up with the cheaper prices after an accident, with average rates coming in at $113 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. For example, Allstate increases average premiums by more than $70 per month -- that's more than a 30% increase.

Wawanesa has the overall lowest rates for drivers with a DUI on their records at $125 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Wawanesa, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Wawanesa Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it does affect several policyholders out there.

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, drivers with bad credit will often be forced to pay more.

So, which company offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Usually, if you have excellent credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will generally save Allstate customers around 15%. On the other hand, Wawanesa doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit normally means you'll also see higher prices with Allstate. For drivers with less-than-stellar credit, at Allstate, you may pay about 25% a 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. Because Wawanesa doesn't have data available for credit scores, they could have better rates for drivers with bad credit over Allstate.

Is Allstate 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. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Wawanesa tends to be the more affordable option. Wawanesa's average premiums for drivers with 6,000 annual miles come in around 50% less expensive than Allstate. Those who drive 12,000 miles yearly can expect to pay about 45% less with Wawanesa over Allstate.

Allstate or Wawanesa: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a substantial role in how much you pay for auto insurance. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of vehicles that are on the roads where they live.

Wawanesa boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around $79 with Wawanesa compared to Allstate. People who live in suburban areas pay about $94 less with Wawanesa compared to Allstate. For drivers in urban ZIP codes, Wawanesa Insurance's average premiums are around $108 less than Allstate.

Allstate vs. Wawanesa Discounts

You want to save as much money as you can, right? The best way to do that is by utilizing as many insurance discounts as possible.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and Wawanesa so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Allstate knocks Wawanesa out of the park when it comes to the sheer number of discounts available, offering 38 more discounts than Wawanesa.

A couple of those are overlapping for things like discounts for being a good driver and mature driver discounts. Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

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

Final Thoughts: Is Allstate or Wawanesa Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, is Allstate or Wawanesa the best one for you and your specific needs?

Wawanesa might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• Your home is in a busy urban area.
• Your neighborhood is in a rural area.

Allstate might be best for you if...

• Your credit is below-average.
• You have above-average credit.
• You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Allstate and Wawanesa. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Allstate and Wawanesa. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Allstate vs. Wawanesa FAQs

Is Allstate or Wawanesa cheaper?

Wawanesa is the more affordable of the two companies when looking at national average rates, with policies averaging $104 per month with Wawanesa and $199 for Allstate. That being said, that doesn't mean Wawanesa will be the lowest company for each driver, since there are multiple different factors that come into play when it comes to your insurance cost.

Who is better, Allstate or Wawanesa?

Sadly, the only answer we can give you is "it depends.". Neither carrier is necessarily "better" for every policyholder -- it all depends on what your unique auto insurance profile looks like. For example, Allstate is less expensive for drivers who have less-than-stellar credit scores, while Wawanesa offers cheaper prices for policyholders with an at-fault accident on their record.

Why do Allstate and Wawanesa offer me different rates?

Insurance carriers use many different variables when calculating the premiums they charge. Factors like age, gender, your driving record, where you park your car, and sometimes even things like your credit score can all be used. Both Allstate and Wawanesa calculate rates differently, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Allstate or Wawanesa at all, but another you hadn't even thought of!

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.