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

Quick Facts

• Based on national averages for car insurance, Wawanesa offers significantly cheaper premiums than Cse
• Cse may help you save more money -- they offer more discounts than Wawanesa Insurance
• Wawanesa offers more affordable rates for policyholders who live in rural neighborhoods

Cse 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 big savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Cse or Wawanesa as your top options, but which carrier will offer you more affordable prices?

As you can see, Wawanesa is quite a bit cheaper than Cse, with rates averaging $104 a month compared to $175 with Cse when looking at the national average rates for auto insurance.

But that doesn't mean Wawanesa will necessarily be less expensive than Cse for every driver. Insurance carriers use a ton of complex algorithms to determine premiums, so depending on where you live or how old you are (among a lot of other factors), you could see wildly different rates from the ones above.

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

Cse vs. Wawanesa: Average Car Insurance Rates by State

Both Cse and Wawanesa only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. Wawanesa drivers tend to pay about $71 per month less on average compared to drivers who use Cse for their insurance.

Typically, your home state will play a large role in how much you pay for auto insurance, but since both companies only do business in California, a range of other variables will come into play when you compare Cse and Wawanesa. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Wawanesa save almost 50% a month compared to those who use Cse.

Even so, both companies will decrease prices once you turn 25. For example, average rates for Cse policyholders drop around $200 and Wawanesa's premiums lower about $70 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever see.

When looking at Cse and Wawanesa specifically, which company is best for retired drivers? Wawanesa gets the edge, with prices for drivers 65 and older over 30% more affordable than the national average for Cse.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically less expensive for married couples than they are for single policyholders? That's because policies for married policyholders normally cover more than one vehicle, which a lot of carriers will give you a discount for.

For single drivers, the difference in average rates between these two companies is significant, with Wawanesa prices coming in at around half of Cse's. The advantage is also clear for married drivers - Wawanesa offers the cheapest average premiums.

Cse or Wawanesa: Average Rates by Gender

Because women are less likely to get into collisions and get speeding tickets, they have a decreased chance of filing a claim with insurance. So, insurance carriers will tend to charge women less than men.

Men and women end up paying the same monthly rates with Cse; and with Wawanesa, everyone ends up paying the same monthly premiums regardless of gender.

When it comes to the lowest prices for each gender, Wawanesa comes out on top for both men and women, with average premiums 41% less for men and 41% cheaper for women.

Cse 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.

For most people, auto insurance can be pretty complicated. There are a bunch of different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum liability insurance, Wawanesa has the 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 about $144 per month to Cse's $270.

Is Cse or Wawanesa Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your rates, but is Cse or Wawanesa cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cse for their insurance can usually expect their monthly bill to go up around 24% after getting a speeding ticket. Wawanesa policyholders can expect a bit more drastic of an increase of about 30%.

However, Wawanesa tends to offer the best prices for both drivers who have a recent ticket and those with clean records -- their rates are around 40% more affordable for drivers with clean records and 35% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise premiums pretty significantly if you get into an at-fault collision with Cse raising by around 30%. Wawanesa has a less extreme increase, but you can still expect to pay nearly 35% more than you were prior to your first accident.

At the end of the day, the cheaper prices come from Wawanesa, with average rates coming in at $113 compared to CSE Insurance Group's $176.

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 speeding ticket or even a collision. Cse drivers usually see a 49% raise in their auto insurance prices after a DUI charge, while Wawanesa will generally climb premiums by about 41%.

But if you end up with a DUI charge and are looking for more affordable rates, Wawanesa tends to be less expensive for the average driver, with monthly premiums coming in at around $125 to Cse's $241.

How does Credit Score Impact Cse and Wawanesa Rates?

Did you know many insurance carriers take into account your credit score when determining prices? This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it might come into play for quite a few drivers.

Car insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

Looking at Cse and Wawanesa specifically, which one has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a considerable impact on your monthly premiums? That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

Wawanesa tends to be the more affordable option for both remote workers and those taking short commutes. Wawanesa's average rates for drivers with 6,000 annual miles come in just under 40% cheaper than Cse. Those who drive 12,000 miles each year can expect to pay more than 40% less with Wawanesa over Cse.

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

Where you live can have a substantial impact on your monthly auto insurance bill. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads where they live.

When comparing these two carriers side-by-side, Wawanesa typically comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about $66 with Wawanesa compared to Cse. People who live in suburban areas pay around $73 less with Wawanesa compared to Cse. For drivers in urban ZIP codes, Wawanesa Insurance's average prices are about $72 less than CSE Insurance Group.

Cse vs. Wawanesa Discounts

No matter 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 you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Cse and Wawanesa offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Cse comes out ahead with five discounts to Wawanesa's two.

Both companies offer several of the same discounts -- like discounts for being a good driver and mature driver discounts -- but Cse also offers discounts for employee discount, goverment employee, and multi-policy.

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

Final Thoughts: Is Cse or Wawanesa Best for You?

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which company is the best one for you and your specific driver profile?

Wawanesa might be best for you if....

• Your driving record includes a DUI charge.
• Your neighborhood is in a rural area.
• You are purchasing your car insurance with a spouse.

Cse might be best for you if...

• You care about discounts (Cse offers the most).

Hopefully, this guide helps you get a better idea of the difference between Cse and Wawanesa. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Cse and Wawanesa. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Cse vs. Wawanesa FAQs

Is Cse or Wawanesa cheaper?

Wawanesa is the less expensive of the two companies when looking at national average premiums, with policies averaging $104 a month with Wawanesa and $175 for Cse. That being said, that doesn't mean Wawanesa will be the lowest carrier for everyone, since there are lots of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Cse or Wawanesa?

Unfortunately, the real answer is "it depends.". Neither company is "better" for every policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Cse and Wawanesa offer me different rates?

Insurance carriers use several different factors when calculating the rates they charge. Things such as your driving record, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Cse and Wawanesa calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance company 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Cse 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.