United Financial Casualty Company 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 United Financial Casualty Company
• United Financial Casualty Company may help you save more money -- they offer more discounts than Wawanesa Insurance
• Wawanesa tends to be a much more affordable option for policyholders who are looking to purchase insurance with a spouse

United Financial Casualty Company or Wawanesa: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering considerable savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to United Financial Casualty Company or Wawanesa as potential options, but between the two, which company will offer you cheaper rates?

Looking at nationwide averages, United Financial Casualty Company is around $29 more a month than Wawanesa.

However, that doesn't mean Wawanesa will necessarily be more affordable than United Financial Casualty Company for every single driver. Car insurance carriers use a ton of complex algorithms to determine premiums, so depending on how old you are or how good your credit score is (among lots of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both United Financial Casualty Company and Wawanesa by many different rate factors, so read on to find out which carrier is the best for you.

United Financial Casualty Company vs. Wawanesa: Average Car Insurance Rates by State

United Financial Casualty Company and Wawanesa only compete against each other in California, where Wawanesa offers the cheaper average premiums. Wawanesa drivers tend to pay about $22 per month less on average compared to drivers who use United Financial Casualty Company for their insurance.

There's a lot more that goes into your auto insurance payment than just where you call home. Continue reading to see how other variables 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 other group of drivers. That's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of over 50% less a month by choosing Wawanesa over United Financial Casualty Company.

But with both companies, you'll see your prices reduce significantly by the time you turn 25. For example, average rates for United Financial Casualty Company policyholders decrease more than 65% and Wawanesa's premiums drop over 40% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable car insurance prices 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 auto insurance.

When looking at United Financial Casualty Company and Wawanesa specifically, which company is best for retired drivers? Wawanesa gets the slight edge, with prices for drivers 65 and older $8 cheaper than the national average for United Financial Casualty Company.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married drivers. That's typically because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with Wawanesa rates coming in at a quarter less than United Financial Casualty Company's. The advantage for married couples with Wawanesa is also obvious, where drivers save more than 10% per month.

United Financial Casualty Company or Wawanesa: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will generally end up paying a little more.

Typically, women see prices about 1% a month less with United Financial Casualty Company; and with Wawanesa, everyone ends up paying the same monthly premiums regardless of gender.

Looking at the data for each carrier specifically, Wawanesa offers the lowest average prices for both men and women. On average, male drivers save about $30 per month and women save around $28 with Wawanesa compared to the average United Financial Casualty Company policyholder.

United Financial Casualty Company 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 auto insurance can be pretty complicated. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum liability insurance, Wawanesa has the edge, with average monthly rates 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 a month to United Financial Casualty Company's $187.

Is United Financial Casualty Company or Wawanesa Better for Drivers with Spotty Records?

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

Speeding tickets and at-fault collisions will most likely raise your prices, but is United Financial Casualty Company or Wawanesa less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use United Financial Casualty Company for their car insurance can usually expect their monthly bill to go up around 25% 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 both drivers who have a recent ticket and those with clean records, offering premiums that are 28% and 23% cheaper, respectively, compared to United Financial Casualty Company.

Which Company is Best for Drivers After an Accident?

United Financial Casualty Company drivers who get in an accident can expect to see their rates rise by just under 35%, while those who have insurance through Wawanesa will see around a 35% increase.

At the end of the day, drivers who use Wawanesa end up with the cheaper prices after an accident, with average premiums coming in at $113 compared to United Financial Casualty Company's $158.

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 auto insurance bill. Wawanesa drivers usually see a 41% raise in their insurance rates after a DUI charge, while United Financial Casualty Company will generally climb prices by about 23%.

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 United Financial Casualty Company's $134.

How does Credit Score Impact United Financial Casualty Company and Wawanesa Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly car insurance prices. This isn't true for everyone (for example, are two states that ban the practice entirely), but it does affect many policyholders out there.

Auto insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable premiums.

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

Which Company is Best for Drivers with Good Credit?

Usually, if you have stellar credit, you can expect to be rewarded. With United Financial Casualty Company, improving your score from "good" to "excellent" will normally save you about $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 prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit typically means you'll also see higher premiums with United Financial Casualty Company. As you can see, United Financial Casualty Company customers with poor credit scores pay around $30 per month more than those with fair scores (and even more compared to drivers with good or excellent scores). Wawanesa, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Wawanesa over United Financial Casualty Company.

Is United Financial Casualty Company 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 your monthly prices. Usually, those who drive less will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

Wawanesa tends to be the less expensive option for both remote workers and those taking short commutes. United Financial Casualty Company's average rates for drivers with 6,000 annual miles come in about 25% more expensive than Wawanesa. Those who drive 12,000 miles every year can expect to pay around 18% more with United Financial Casualty Company over Wawanesa.

United Financial Casualty Company or Wawanesa: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a pretty big role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than drivers in rural areas because of the number of cars 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 all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $30 with Wawanesa compared to United Financial Casualty Company. People who live in suburban areas pay around $29 less with Wawanesa compared to United Financial Casualty Company. For policyholders in urban ZIP codes, Wawanesa Insurance's average prices are about $25 less than United Financial Casualty Company.

United Financial Casualty Company vs. Wawanesa Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many 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 broke down all of the different discounts offered by both United Financial Casualty Company and Wawanesa so that you can see which one can save you the most money each month.

United Financial Casualty Company knocks Wawanesa out of the park when it comes to the sheer number of discounts available, offering 16 more discounts than Wawanesa.

Both companies offer several of the same discounts -- like discounts for being a good driver and mature driver discounts -- but United Financial Casualty Company also offers discounts for anti-theft, continuous insurance, defensive driver, and more.

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

Final Thoughts: Is United Financial Casualty Company or Wawanesa Best for You?

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right fit for you?

Wawanesa might be best for you if....

• You have a speeding ticket on your driving record.
• You live in a rural neighborhood.
• You're of retirement age and want to take advantage of lower prices.

United Financial Casualty Company might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between United Financial Casualty Company 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 sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just United Financial Casualty Company 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 the top auto insurance carriers in your area, all in just a few minutes.

United Financial Casualty Company vs. Wawanesa FAQs

Is United Financial Casualty Company or Wawanesa cheaper?

Wawanesa is the more affordable of the two companies when looking at national average rates, with policies averaging $104 a month with Wawanesa and $133 for United Financial Casualty Company. Even so, that doesn't mean Wawanesa will be the lowest carrier for everyone, since there are multiple different factors that come into play when it comes to your insurance cost.

Who is better, United Financial Casualty Company or Wawanesa?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique car insurance profile. For example, United Financial Casualty Company is less expensive for drivers with excellent credit, while Wawanesa offers more affordable premiums for drivers with a recent DUI.

Why do United Financial Casualty Company and Wawanesa offer me different rates?

Auto insurance carriers use a lot of different variables when determining the prices they charge. Things such as where you call home, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both United Financial Casualty Company and Wawanesa calculate rates using different factors, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

How do I know if United Financial Casualty Company or Wawanesa is right for me?

The only way to find the car 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 does all the hard work for you. Just enter your information once 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 premium. And maybe you'll find that the best carrier for you isn't United Financial Casualty Company 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.