GEICO vs. Wawanesa: Which Company is Better in 2022?

Looking for car insurance and wondering if GEICO or Wawanesa is the right company for you? If so, you're probably wondering which carrier has the cheapest prices or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for auto insurance, Wawanesa offers significantly less expensive rates than GEICO
  • GEICO offers cheaper average premiums for drivers who have less-than-stellar credit


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

Are you in the market for a new car insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to GEICO or Wawanesa as your top options, but between the two, which carrier has more affordable prices for insurance?

GEICO Wawanesa
$185$104

Looking at the national average rates for both companies, Wawanesa is quite a bit cheaper than GEICO, with premiums averaging $104 per month compared to $185 with GEICO.

However, that doesn't mean Wawanesa will necessarily be cheaper than GEICO for each driver. Auto insurance carriers use tons of complex algorithms to calculate rates, so depending on where you live or how good your credit score is (among several other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of GEICO or Wawanesa is really the best for you, keep reading to see average rates for each company broken down by several different rate factors.

GEICO or Wawanesa: Average Car Insurance Rates by State

State GEICO Wawanesa
CA$142$104

GEICO and Wawanesa only compete against each other in California, where Wawanesa offers the cheaper average premiums. For California residents, Wawanesa offers car insurance for $104 a month on average. GEICO's average rates come out to be over 30% more expensive, at $142 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 determine your prices. Keep reading to learn more.


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Which is the Best Company For Young Drivers

GEICO Wawanesa
18-year-old drivers$369$171
25-year-old drivers$163$101

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

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $200 less a month by choosing Wawanesa over GEICO. It's worth noting that GEICO offers auto insurance in 50 different states compared to Wawanesa's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average prices for GEICO policyholders lower more than $200 and Wawanesa's rates decrease about $70 over that time.

Which is the Best Company for Retired Drivers?

GEICO Wawanesa
65+-year-old drivers$148$87

Drivers around retirement age normally enjoy some of the lowest insurance premiums you can find. After all, they've likely been driving for quite some time, which typically lowers their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between GEICO and Wawanesa? Wawanesa gets the edge, with rates for drivers 65 and older $61 less expensive than the national average for GEICO.

Which is the Best Company for Married Drivers?

GEICO Wawanesa
Single$208$119
Married$154$85

Married drivers tend to get slightly more affordable auto insurance prices than single policyholders. That's normally because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Wawanesa is the clear winner for single drivers, with premiums around $89 per month cheaper than GEICO, on average. The advantage for married policyholders with Wawanesa is also obvious, where drivers save almost $70 a month.

GEICO vs. Wawanesa: Average Rates by Gender

GEICO Wawanesa
Male$189$104
Female$181$104

Because men are more likely to get into accidents and get tickets, they have an increased chance of filing a claim with insurance. Therefore, men typically pay more for car insurance than women.

With GEICO, men generally pay about 4% more per month than women.; and with Wawanesa, both genders end up paying the same monthly rate.

When it comes to the most affordable rates for each gender, Wawanesa offers the lowest average prices for both men and women, with average rates 45% less for men and 43% cheaper for women.


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

GEICO Wawanesa
State Minimum*$101$64
Full Coverage**$269$144

*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 a bunch of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Wawanesa usually offers significantly more affordable premiums of $64 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Wawanesa again has the edge, with policies around $150 a month less expensive than GEICO, on average.

Is GEICO or Wawanesa Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault collisions and tickets lead to higher prices, but which carrier -- GEICO or Wawanesa -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

GEICO Wawanesa
Clean Record$115$74
1 Speeding Ticket$150$105

GEICO policyholders can expect their prices to go up an average of $35 per month if they get a ticket, while Wawanesa typically raises premiums about $31 a month, on average.

But Wawanesa is generally the cheaper option for both drivers who have a recent speeding ticket and those with clean records, offering prices that are 36% and 30% more affordable, respectively, compared to GEICO.

Which Company is Best for Drivers After an Accident?

GEICO Wawanesa
Clean Record$115$74
1 At-Fault Accident$200$113

Both companies will raise premiums pretty significantly if you get into an at-fault accident with GEICO increasing by $85. Wawanesa has a less extreme increase, but you can still expect to pay just under $40 more than you were prior to your first collision.

Overall, drivers who use Wawanesa end up with the cheaper prices after an accident, with monthly rates averaging $113 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

GEICO Wawanesa
Clean Record$115$74
1 DUI$275$125

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than an accident or ticket. On average, GEICO will raise your prices around 58% after a DUI, while Wawanesa's average rates climb by over 40%.

Wawanesa has the overall most affordable premiums for drivers with a DUI on their records at $125 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just one for Wawanesa, so the data may be skewed slightly.


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How does Credit Score Impact GEICO and Wawanesa Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect several drivers out there.

The reasoning insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will normally be forced to pay more.

So, which company offers the lowest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

GEICO Wawanesa
Excellent Credit Score$131No Data Available
Good Credit Score$164No Data Available

You'll often be rewarded if you have excellent credit. Improving your "good" credit score to an "excellent" one will generally save GEICO customers about 20%. On the other hand, because Wawanesa doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

GEICO Wawanesa
Fair Credit Score$197No Data Available
Poor Credit Score$253No Data Available

Having bad credit can cost you with GEICO. If your credit score is in the "poor" range, at GEICO, you may pay around $55 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Wawanesa doesn't have data available for credit scores, they could have better prices for drivers with bad credit over GEICO..


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

GEICO Wawanesa
6,000 Annual Miles$181$98
12,000 Annual Miles$189$111

How much you drive can have a big impact on your monthly rates. Usually, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Wawanesa offers more affordable rates than GEICO. Wawanesa average prices for drivers with 6,000 annual miles come in nearly $85 cheaper than GEICO. Those who drive 12,000 miles each year can expect to pay just under $80 less with Wawanesa over GEICO.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a sizable impact as well. Normally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads in those areas.

GEICO Wawanesa
Urban Areas$211$114
Suburban Areas$185$105
Rural Areas$159$95

Wawanesa tends to offer the cheapest premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable rates from both companies, but Wawanesa comes out on top with average premiums about $95 per month. Wawanesa also has less expensive average prices for policyholders in urban and suburban ZIP codes -- a $97 and $80 a month respective difference when compared to GEICO drivers in similar areas.

GEICO vs. Wawanesa Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you qualify for or to nail down the carrier that has the most discounts for your unique driver profile.

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

GEICO Wawanesa
ABS Discount 
Anti-Theft Discount 
Commercial Drivers License Discount 
Covid-19 Relief Discount 
Defensive Driver Discount 
Deployed Driver Discount 
Distant Student Discount 
Driver Training Discount 
DRL Discount 
EFT Discount 
Employee Discount 
Full Coverage Discount 
Good Driving Discount
Good Student Discount 
Group Discount 
Mature Driver Discount
Military Discount 
Multi-Car Discount 
Multi-Policy Discount 
New Vehicle Discount 

GEICO blows Wawanesa away when it comes to the sheer amount of discounts available, offering 26 more discounts than Wawanesa.

There are a couple discounts both carriers offer, but GEICO also offers ABS discounts, anti-theft discounts, commercial drivers license 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 GEICO or Wawanesa Best for You?

So, we've broken down the average rates for many of the factors car insurance companies look at, and we've shown you all the discounts each company offers. But, at the end of the day, which insurance carrier is the right company for you and your specific profile and needs?

GEICO is best for you if....


Wawanesa is best for you if...

We hope this guide helps you get a good idea of the differences between GEICO and Wawanesa and that it aids in making a more informed decision about your insurance.

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


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GEICO vs. Wawanesa FAQs

Is GEICO or Wawanesa cheaper?

Looking just at the national average premiums, Wawanesa is the more affordable of the two carriers, offering average rates of $104 per month compared to $185 for GEICO.

Who is better, GEICO or Wawanesa?

Sadly, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Wawanesa offers cheaper prices for policyholders with an at-fault accident on their record, while GEICO is less expensive for drivers who have less-than-stellar credit scores.

Why do GEICO and Wawanesa offer me different rates?

Car insurance companies take a look at quite a few different variables when calculating the premiums they charge drivers. Factors like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both GEICO and Wawanesa calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

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


Methodology

All data in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of data to determine all of the average rates referenced above. All data is reported by each carrier to statewide insurance bureaus and is up-to-date as of July 1, 2021.

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