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

Quick Facts

• Looking at the national averages for car insurance, Wawanesa offers significantly cheaper rates than Pure
• Pure may help you save more money -- they offer more discounts than Wawanesa Insurance
• Wawanesa offers more affordable prices for drivers with a DUI

Pure 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 hefty savings. But exactly how much can you save by switching?

You might be considering Pure or Wawanesa for your next policy, but between the two, which company will offer you more affordable premiums?

Looking at nationwide averages, Wawanesa has average rates that are around 70% a month less expensive than those from Pure.

Even so, Wawanesa may not be the most affordable or best option for every single driver out there. Auto insurance carriers use tons of complex algorithms to determine prices, so depending on where you live or how old you are (among a wide array of other factors), you could see wildly different rates from the ones above.

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

Pure vs. Wawanesa: Average Car Insurance Rates by State

Both Pure 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 $227 per month less on average compared to drivers who use Pure for their insurance.

Typically, your home state will play a big role in how much you pay for auto insurance, but since both companies only do business in California, an array of other variables will come into play when you compare Pure and Wawanesa. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group out there on the road. It's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 75% less a month by choosing Wawanesa over Pure.

That being said, with both companies, you'll see your premiums reduce significantly by the time you turn 25. For example, average rates for Pure policyholders decrease more than 55% and Wawanesa's prices lower over 40% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise rates.

But who has the best premiums for retired drivers between Pure and Wawanesa? Wawanesa gets the edge, with prices for drivers 65 and older $147 more affordable than the national average for Pure.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive car insurance premiums than single policyholders. That's usually because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average prices between these two carriers is significant, with Wawanesa rates coming in at about a third of Pure's. The advantage for married drivers with Wawanesa is also obvious, where drivers save more than 65% per month.

Pure or Wawanesa: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to auto insurance men will typically end up paying a little more.

Men and women get the same monthly premiums with Pure; everyone gets the same monthly rates regardless of gender with Wawanesa.

Looking at the data for each company specifically, Wawanesa comes out on top for both men and women. On average, women save about $227 a month and men save around $227 with Wawanesa compared to the average Pure policyholder.

Pure 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 pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability).

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 about $144 per month to Pure's $528.

Is Pure or Wawanesa Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great premiums 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 accidents and speeding tickets lead to higher prices, but which carrier -- Pure or Wawanesa -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Pure for their auto insurance can usually expect their monthly bill to go up around 28% after getting a speeding ticket. Wawanesa policyholders can expect a bit more drastic of an increase of about 30%.

That being said, Wawanesa tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are 63% and 63% cheaper, respectively, compared to PURE Insurance.

Which Company is Best for Drivers After an Accident?

Pure drivers who get in a collision can expect to see their premiums rise by $150, while those who have insurance through Wawanesa will see around a $40 increase.

At the end of the day, the more affordable rates come from Wawanesa, with average prices coming in at $113 compared to PURE Insurance's $352.

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 car insurance bill. For example, Pure increases average premiums by nearly $300 a month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Wawanesa tends to be cheaper for the average driver, with monthly premiums coming in at about $125 to Pure's $489.

How does Credit Score Impact Pure and Wawanesa Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for lots of policyholders.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking specifically at Pure and Wawanesa, which one has the cheapest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Pure 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 insurance carriers will charge for coverage. That's because the more milage you put on your car each year, the more likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Wawanesa offers less expensive rates than Pure. Pure's average prices for drivers with 6,000 annual miles come in just under 65% more expensive than Wawanesa. Those who drive 12,000 miles yearly can expect to pay more than 70% more with Pure over Wawanesa.

Pure 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. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

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

Those in rural areas can expect to save around 69% with Wawanesa compared to Pure. People who live in suburban areas pay about 66% less with Wawanesa compared to Pure. For policyholders in urban ZIP codes, Wawanesa Insurance's average rates are around 69% less than PURE Insurance.

Pure 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 car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

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

Pure blows Wawanesa away when it comes to the sheer amount of discounts available, offering 10 different discounts to Wawanesa's two.

Both companies offer lots of the same discounts -- like discounts for being a good driver and mature driver discounts -- but Pure also offers discounts for ABS, anti-theft, distant student, and more.

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

Final Thoughts: Is Pure or Wawanesa Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Pure or Wawanesa the best company for you and your specific driver profile?

Wawanesa might be best for you if....

• You have received a ticket within the last few years.
• You're looking for the best rates on liability only coverage.
• You're of retirement age and want to take advantage of lower prices.

Pure might be best for you if...

• You're looking for discounts -- Pure has the most.

Hopefully, this guide has ben a valuable resource as you compare Pure 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 insurance -- comparing quotes from several carriers, not just Pure and Wawanesa. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Pure vs. Wawanesa FAQs

Is Pure or Wawanesa cheaper?

Wawanesa is the more affordable of the two carriers when looking at national average premiums, with policies averaging $104 per month with Wawanesa and $331 for Pure. Even so, that doesn't mean Wawanesa will be the most affordable company for each driver, since there are a variety of different factors that come into play when it comes to your insurance cost.

Who is better, Pure or Wawanesa?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for every policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do Pure and Wawanesa offer me different rates?

Insurance companies use several different variables when determining the prices they charge. Factors like where your home is, gender, age, where you call home, and sometimes even things like your credit score can all be used. Both Pure 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 several different carriers.

How do I know if Pure 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 multiple companies 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 car insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Pure 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.