Wawanesa is a mutual insurance company founded in 1896 in Manitoba. With more than 1.7 million policyholders in Canada, it is one of the most established insurers in the country. In Quebec, its products are distributed exclusively by independent insurance brokers certified by AMF. At Assur360, our brokers compare Wawanesa with 9+ insurers to find you the best value for your money.
Who is Wawanesa? Portrait of the insurer
Wawanesa Insurance is a company owned by its insureds (mutual model). This structure means that profits are reinvested to maintain competitive bonuses rather than distributed to shareholders. The rating company A.M. Best gives it an A (Excellent) rating for its financial strength — a guarantee of reliability for claims.
Mutual structure
Owned by its policyholders, not shareholders. Surpluses are reinvested to keep premiums low and improve services.
Financial Strength A (Excellent)
Rated by A.M. Best , the world reference in insurance. This rating ensures that Wawanesa honours its commitments when making claims.
Distribution by Brokers
In Canada, Wawanesa sells exclusively through independent brokers. You benefit from impartial advice and comparison with other insurers.
National presence
Active in all Canadian provinces and in two US states (California, Oregon). Headquartered in Winnipeg, Manitoba.
Wawanesa Insurance Products in Quebec
Wawanesa offers a full range of auto, residential, commercial and agricultural applications. Here are the details of each product line and what sets them apart from the competition.
🚗 Car Insurance Wawanesa
Wawanesa has been insuring vehicles since 1928 and has grown to become one of Canada’s largest auto insurers. Each policy is customized based on your driving record, frequency of use, number of drivers at home, and your loyalty history.
Civil liability
Mandatory coverage in Quebec in addition to the SAAQ. Protects against property damage to others.
All Risks / Collision
Complete protection against collision, theft, vandalism, natural hazards. Customizable deductible.
Replacement Cost
Replacement with an equivalent new vehicle in the event of a total loss (conditions apply).
🏠 Wawanesa Home Insurance
Whether you’re a homeowner or a renter, Wawanesa offers plans tailored to the size of your home and the value of your property. Coverages are customizable with endorsements for flooding, earthquake, identity theft and more.
Owner
House, condo, cottage. Covers building, property, liability and living expenses.
Tenant
Protects your personal belongings, liability and covers your leasehold improvements.
Special Endorsements
Backflow flooding, earthquake, identity theft, pool, spa — added to the map.
🏢 Wawanesa Business Insurance
Wawanesa covers small and medium-sized businesses with comprehensive packages: property, buildings, lost revenue, liability and cyber risks. The Select Line offers pre-assembled packages for targeted industries.
Retail
Adapted package: stock, customer liability, operating loss, equipment breakdown.
Manufacturing & Industrial
Covers machinery, raw materials, product liability and interruptions.
Real Estate & Clinics
Building coverage, business premises, professional liability, cyber risks.
🌾 Wawanesa Farm Insurance
Wawanesa recognizes that every operation is unique. Two product ranges are available:
Standard Farm Insurance
Personal coverage + coverage for structures, contents, machinery, tools and agricultural resources. Ideal for family farms and sugar shacks.
Agricultural First Class
Independent package designed for large commercial operations. Expanded coverages with upper limits and specialized coverage.
Wawanesa Rates 2026 — Quebec Estimates
Here are the indicative price ranges for the main Wawanesa products in Quebec in 2026. The actual rates vary according to your profile, your region and the coverage chosen.
| Product | Covers included | Estimated premium / year | Factors of variation |
|---|---|---|---|
| 🚗 Car | Mandatory liability + collision + all risks | $1,100 – $ | 1,800Driving record, age, vehicle, use |
| 🏠 Housing | Building + property + RC + subsistence | $1,000 – $ | 1,500Value, location, added protections |
| 🏢 Company | Property + building + RC + loss of income | $700 – $3,000+ | Sector, turnover, risks |
| 🌾 Agricultural | Structures + Content + Machinery + RC | $1,200 – $4,000+ | Farm size, livestock, equipment |
| 🏍️ Tenant | Personal property + RCA + improvements | $300 – $ | 600Value of Assets, Location |
*Indicative rates for 2026 in Quebec. Get your exact price in 3 minutes with our AMF-certified brokers.
Expert Tip — Save up to 25%
Wawanesa rewards multi-product loyalty. Bundle your home + car with the same insurer for a combined discount of up to 15% to 25%. Our Assur360 brokers automatically calculate these discounts when you quote.
How to get a Wawanesa quote in Quebec
Since Wawanesa sells exclusively through brokers, you cannot get a price online directly. Use Assur360 to compare Wawanesa with 9+ insurers in a single claim.
Fill out the form in 3 minutes
Describe your need (car, home, business or farm). A single form to compare all insurers, including Wawanesa.
An AMF-certified broker contacts you
Your request is analyzed by an independent broker who compares the prices and coverage of several insurers for your specific profile.
Receive your quotes and choose
Compare Wawanesa and other insurers’ prices side-by-side. No obligation — you choose the offer that’s right for you.
COMPARE AND SAVE
Wawanesa vs. the Competition — Find the Best Price
Our AMF-certified brokers compare Wawanesa with 9+ insurers to find you the best coverage at the best price.
Get my free quote 📞 1-866-357-4451Pros and Cons of Wawanesa
To help you make an informed choice, here is an objective analysis of Wawanesa’s strengths and weaknesses in 2026.
✅ Benefits
- ✓ 128 years of experience — proven stability
- ✓ A (Excellent) A.M . Best Rating — Financial Reliability
- ✓ Mutual structure – competitive premiums
- ✓ Multi-product discounts of up to 25%
- ✓ Unbiased advice via independent brokers
- ✓ Wide range : auto, home, business, agricultural
⚠️ Points to consider
- → No direct online purchases — you have to go through a broker
- → More recent QC presence (since ~1930) vs local insurers
- → Mixed Reviews Online — Trustpilot ~2.1/5 (612 reviews)
- → Claims process sometimes considered slow by insureds
- → No dedicated mobile app for online police management
6 Ways to Reduce Your Wawanesa Premium
Group your fonts
Car + Home at Wawanesa = combined 15-25% discount. The more you bundle, the more you save.
Increase the deductible
Going from $500 to $1,000 in deductible can reduce your premium by 10 to 15 per cent. Ideal if you have a good record.
Good driving record
Zero claims + zero violations = loyalty rebate that accumulates year after year at Wawanesa.
Safety features
Alarm, anti-theft system, cameras, certified locks — each device can reduce your car or home premium.
Recognized Driving Course
Young drivers who have completed a certified driving course can benefit from an additional discount. Provide your attestation to your broker when you quote.
Wawanesa in Quebec — Availability by Region
Wawanesa serves all of Quebec through its network of independent brokers. Customers in Montreal, Quebec City, Laval, Gatineau, Sherbrooke, Trois-Rivières, Saguenay and Thetford Mines can get a quote through Assur360. Our brokers also serve the Abitibi, Bas-Saint-Laurent, Côte-Nord, Estrie and Laurentides regions. No matter where you are in Quebec, an AMF-certified broker can compare Wawanesa with other insurers for your industry.
Related Articles and Guides
📘 Car Insurance Guide 2026
Everything you need to know about car insurance in Quebec: prices, coverage, tips for saving.
🏠 Home insurance guide 2026
Compare home coverage, understand deductibles and find the best price.
🚗 Online car insurance
Quick quote in 3 minutes. Compare 9+ auto insurers in Quebec.
📊 Insurance Comparator
Compare auto, home, business and recreational in one free application.
Frequently Asked Questions about Wawanesa
Why trust Assur360?
FREE QUOTE
Compare Wawanesa with 9+ insurers
One form. An AMF-certified broker. The best prices on the Quebec market.