Auto Insurance Comparison
Wawanesa vs Pekin
Side-by-side comparison of Wawanesa vs Pekin auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Wawanesa edges ahead Pekin 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 | Pekin | |
|---|---|---|
| Overall score | 4.05 /5 ★★★★★ Highest overall | 3.85 /5 ★★★★★ |
| Best for | Wawanesa is the California-and-Oregon mutual that consistently surfaces as the cheapest legit carrier for drivers with clean records | Pekin Insurance is an Illinois-headquartered mutual with a five-state Midwest footprint |
| Read full review | Wawanesa review → | Pekin review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Wawanesa | Pekin |
|---|---|---|
| Customer experience | 4.10 | 4.00 |
| Coverage breadth | 3.80 | 3.80 |
| Affordability | 4.30 | 3.70 |
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)
Pekin
Full review →Pros
- Mutual structure — policyholder-aligned ownership
- Strong Illinois market presence with deep state-specific expertise
- Multi-line bundling discounts when combined with home or life
- Solid customer satisfaction in operating states
Cons
- Only available in IL, IN, IA, OH, and WI
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget choice
Coverage at a glance
What each carrier offers in standard policies.
Wawanesa
Pekin
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 reviewPekin
Pekin is a fine regional choice in its five operating states, particularly Illinois. Outside that footprint, it isn't an option.
Read the full Pekin 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.