Auto Insurance Comparison
Wawanesa vs National General
Side-by-side comparison of Wawanesa vs National General auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Wawanesa comes out clearly ahead National General in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Wawanesa | National General | |
|---|---|---|
| Overall score | 4.05 /5 ★★★★★ Highest overall | 3.55 /5 ★★★★★ |
| Best for | Wawanesa is the California-and-Oregon mutual that consistently surfaces as the cheapest legit carrier for drivers with clean records | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 |
| Read full review | Wawanesa review → | National General review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Wawanesa | National General |
|---|---|---|
| Customer experience | 4.10 | 3.40 |
| Coverage breadth | 3.80 | 3.70 |
| Affordability | 4.30 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Wawanesa
Full review →Pros
- Consistently among the lowest rates in California and Oregon for clean-record drivers
- Mutual structure with no shareholder pressure on premiums
- Solid claims-handling reputation in its operating states
- Streamlined coverage menu means less upselling pressure
Cons
- Available only in California and Oregon
- Less competitive for high-risk drivers — Wawanesa underwrites tight
- Fewer optional coverages than the big nationals (no rideshare endorsement, limited usage-based)
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Coverage at a glance
What each carrier offers in standard policies.
Wawanesa
National General
The bottom line
Wawanesa
California or Oregon driver with a clean record? Wawanesa should be in your quote set. It's the carrier most likely to deliver a noticeably lower rate without sacrificing claims quality.
Read the full Wawanesa reviewNational General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.