Wawanesa vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• In general, Wawanesa offers significantly less expensive prices than Workmen's Auto
• Wawanesa tends to be a much more affordable option for people who are single and purchasing car insurance by yourself
• Workmen's Auto offers more discounts than Wawanesa Insurance

Wawanesa vs. Workmen's Auto: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might be considering Wawanesa or Workmen's Auto as your top options, but which company will offer you cheaper premiums?

As you can see, Wawanesa is quite a bit cheaper than Workmen's Auto, with rates averaging $104 per month compared to $151 with Workmen's Auto when looking at the national average rates for insurance.

However, that doesn't mean Wawanesa will necessarily be more affordable than Workmen's Auto for every driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

So, if you want to find out which of Wawanesa or Workmen's Auto is really the best for you, keep reading to see average prices for each carrier broken down by multiple different rate factors.

Wawanesa or Workmen's Auto: Average Car Insurance Rates by State

Both Wawanesa and Workmen's Auto only offer insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Wawanesa offers auto insurance for $104 monthly on average. Workmen's Auto's average rates come out to be over 40% more expensive, at $151 a month.

Typically, your home state will play a huge role in how much you pay for car insurance, but since both companies only do business in California, a range of other factors will come into play when you compare Wawanesa and Workmen's Auto. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. It's normally 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Wawanesa save $150 a month compared to those who use Workmen's Auto.

That being said, both carriers will offer you dramatically lower premiums by the time you turn 25. Workmen's Auto offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Wawanesa still has the cheapest prices at $101 per month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

But who has the best prices for retired drivers between Wawanesa and Workmen's Auto? Wawanesa gets the edge, with premiums for drivers 65 and older $37 cheaper than the national average for Workmen's Auto.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive auto insurance rates than single drivers. This usually boils down to married couples having several cars on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, Wawanesa is the clear winner for single policyholders, with prices about $56 per month cheaper than Workmen's Auto, on average. The advantage for married drivers with Wawanesa is also obvious, where drivers save nearly 30% a month.

Wawanesa vs. Workmen's Auto: Average Rates by Gender

Women tend to pay less for car insurance than men. This is because men are statistically more likely than women to get into accidents and get speeding tickets, which leads to increased risk for insurers and, therefore, higher rates.

Men and women get the same monthly premiums with Wawanesa; women and men get the same monthly rates with Workmen's Auto.

Looking at overall affordability, Wawanesa comes out as the most affordable option for both genders. On average, male drivers save about $47 per month and women save around $47 with Wawanesa compared to the average Workmen's Auto policyholder.

Wawanesa or Workmen's Auto: 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, insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

Even so, most policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability limits, Wawanesa generally offers slightly less expensive prices of $64 compared to Workmen's Auto's $67. When it comes to full coverage policies with similar limits, Wawanesa again has the edge, with policies about $90 a month more affordable than Workmen's Auto, on average.

Is Wawanesa or Workmen's Auto 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.

Accidents and tickets will most likely raise your premiums, but is Wawanesa or Workmen's Auto cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Wawanesa policyholders can expect their prices to go up an average of $31 per month if they get a ticket, while Workmen's Auto typically raises premiums around $34 a month, on average.

But Wawanesa is normally the less expensive option for drivers both with a speeding ticket and with a clean record, offering rates that are $37 and $40 more affordable, respectively, compared to Workmen's Auto Insurance.

Which Company is Best for Drivers After an Accident?

Wawanesa drivers who get in a collision can expect to see their premiums rise by just under 35%, while those who have insurance through Workmen's Auto will see about a 30% increase.

Overall, the cheaper rates come from Wawanesa, with monthly prices averaging $113 compared to Workmen's Auto Insurance's $156.

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 ticket or even an accident. Workmen's Auto drivers usually see a 42% increase in their insurance rates after a DUI charge, while Wawanesa will generally climb prices by around 41%.

If you have a DUI on your record and are looking for more affordable premiums, Wawanesa tends to be the much more affordable option with average rates of $125 monthly compared to $191 from Workmen's Auto.

How does Credit Score Impact Wawanesa and Workmen's Auto Rates?

Did you know that many car insurance carriers take into account your credit score when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect many policyholders out there.

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

Looking at Wawanesa and Workmen's Auto specifically, which one has the lowest 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 Wawanesa or Workmen's Auto 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 big impact on your monthly rates? That's because the more miles you drive, the more likely you are to get into a collision and cause an insurance claim.

Wawanesa tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Workmen's Auto's average premiums for drivers with 6,000 annual miles come in about 22% more expensive than Wawanesa. Those who drive 12,000 miles every year can expect to pay around 37% more with Workmen's Auto over Wawanesa.

Wawanesa vs. Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly insurance bill. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of cars that are on the roads in those areas.

Wawanesa boasts the cheapest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Wawanesa's average rates are about $114 while Workmen's Auto offers prices around $149. People in suburban areas pay a monthly price of about $105 with Wawanesa compared to $154 with Workmen's Auto. If you live in a rural area, you can expect to pay around $95 per month with Wawanesa and $149 with Workmen's Auto.

Wawanesa vs. Workmen's Auto 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, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

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

Looking at the total number of discounts, Workmen's Auto comes out ahead with four discounts to Wawanesa's two.

There are a couple discounts both companies offer, but Workmen's Auto also offers driver-vehicle combination discounts and renewal discounts that Wawanesa does not.

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

Final Thoughts: Is Wawanesa or Workmen's Auto Best for You?

So, we've broken down the average premiums for many of the variables insurance carriers look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which carrier is the right company for you and your specific needs?

Wawanesa might be best for you if....

• You want to save money on your car insurance after an accident.
• Your neighborhood is in a rural area.
• You have a short drive to work everyday.

Workmen's Auto might be best for you if...

• You care about discounts (Workmen's Auto offers the most).

We hope this guide helps you get a better idea of the difference between Wawanesa and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to your auto 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 car insurance -- comparing quotes from a handful of companies, not just Wawanesa and Workmen's Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Wawanesa vs. Workmen's Auto FAQs

Is Wawanesa or Workmen's Auto cheaper?

Looking just at the national average prices, Wawanesa is the cheaper of the two companies, offering average rates of $104 per month compared to $151 for Workmen's Auto. That being said, Wawanesa won't necessarily be the most affordable company for each policyholder, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Wawanesa or Workmen's Auto?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for every driver -- it all boils down to your unique auto insurance profile.

Why do Wawanesa and Workmen's Auto offer me different rates?

Insurance carriers take a look at lots of different variables when determining the rates they charge policyholders. Things such as where you park your vehicle, age, gender, where your home is, and sometimes even things like your credit score can all be used. Both Wawanesa and Workmen's Auto calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Wawanesa or Workmen's Auto is right for me?

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

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.