Is Workmen’s Auto Insurance Good?

Last Updated on September 6, 2020

Workmen’s Auto Insurance Co. is a Los Angeles-based car insurance provider. Also known by its acronym WAIC, Workmen’s Auto Insurance offers a range of insurance products to drivers across California.

Is Workmen’s Auto Insurance a good car insurance company? What unique products, services, and discounts does WAIC offer? Find out everything you need to know about Workmen’s Auto Insurance today in our review.

What is Workmen’s Auto Insurance?

Is Workmen's Auto Insurance Good?Workmen’s Auto Insurance is a Los Angeles-based car insurance provider founded in 1949. Today, the company continues to provide auto insurance to drivers across California, with a particularly strong presence in southern California.

Workmen’s Auto Insurance is not one of the largest car insurance companies in the United States, nor is it among the largest or best-known car insurance companies in California. However, WAIC provides effective car insurance products to thousands of drivers across the state.

With 70+ years of experience, Workmen’s Auto Insurance aims to differentiate itself from the competition with a California-based approach to car insurance. The company has only ever served drivers in California. The company was founded in California and continues to be headquartered in California decades later.

Workmen’s Auto Insurance also appeals to higher-risk drivers, including drivers who need an SR-22 certificate or drivers with DUIs. Like other smaller insurance providers, Workmen’s Auto Insurance may insure drivers when some of the largest insurers will not.

Like other southern California-based auto insurance companies, Workmen’s Auto Insurance also has bilingual customer service staff, making it easy for customers to interact with the company in Spanish or English.

Workmen’s Auto Insurance Products

Workmen’s Auto Insurance offers just one type of service: auto insurance. You can buy the usual car insurance products through WAIC, including bodily injury liability insurance, property damage liability insurance, collision coverage, and comprehensive coverage.

Some of the key features of Workmen’s Auto Insurance policies include:

  • Flexible down payment plans suitable for any budget
  • Manage account online
  • Pay via credit card, check, or electronic funds transfer
  • Get discounts for multiple vehicles, good driving, paying your policy in full, and more
  • SR-22 filings supported
  • Drivers with DUIs, multiple accidents, and multiple driving violation points accepted

You can get a quote on Workmen’s Auto Insurance through the website. Just enter your ZIP code to find an agent in your area.

Workmen’s Auto Insurance does not sell auto insurance directly through its website. Instead, you find a ‘producer’ in your local area. Enter your ZIP code into the online form to find an insurance broker near you, then work through that broker to obtain a policy through Workmen’s Auto Insurance. The company has dozens of affiliated agents throughout Los Angeles, the L.A. metropolitan area, and southern California, along with agents in other parts of the state.

Workmen’s Auto Insurance Discounts

Workmen’s Auto Insurance provides all of the same discounts as some of its larger competitors. Some of the most common discounts available through Workmen’s Auto Insurance include:

Multi-Vehicle Discount: If you insure multiple vehicles with Workmen’s Auto Insurance, then you could qualify for a discount on all vehicles. Workmen’s Auto Insurance does not disclose its multi-vehicle discount amount upfront, but other companies drop rates 10% to 30% when you add multiple vehicles.

Paid in Full Discounts: Most drivers pay car insurance monthly. Workmen’s Auto Insurance, like most insurers, gives you a discount for paying your policy in full upfront. If you pay your policy in a lump sum every 6 to 12 months, for example, then you can qualify for a paid in full discount.

Good Driver Discounts: As a good driver with a clean record, you’ll save money with Workmen’s Auto Insurance. To qualify, you must have no claims, speeding tickets, or other incidents within the past 3 to 7 years, although Workmen’s Auto Insurance calculates discounts on a driver-to-driver basis.

Bad Driver Discounts: If you are a bad driver who cannot get car insurance through another provider, then it’s possible you can get a quote through Workmen’s Auto Insurance. The company officially accepts drivers with multiple driving violation points, multiple accidents, and multiple DUIs. If you were turned down by other providers, or if other insurers are charging high rates, then you might be able to get a discounted policy with Workmen’s Auto Insurance even as a high-risk driver.

Workmen’s Auto Insurance only offers auto insurance, which is why the company does not offer bundling discounts. You can’t bundle home and auto insurance with WAIC, for example, to get a cheaper rate on both. Instead, you can bundle multiple insurance policies together to get a discount. Or, you can buy multiple insurance products through a single broker to qualify for a bundling discount.

What Makes Workmen’s Auto Insurance Unique?

Workmen’s Auto Insurance is a mid-sized car insurance company that offers few benefits over its larger competitors. However, the company has several features that make it unique – and these features could make WAIC the right insurance company for you.

California-Based: Workmen’s Auto Insurance was founded in California 70+ years ago, and the company continues to be based in Los Angeles today. Workmen’s Auto Insurance emphasizes its 70+ years of experience insuring drivers across California.

High-Risk Drivers: If you are a high-risk driver with multiple DUIs, accidents, or tickets on your record, then you might face higher rates from other insurers (or be unable to obtain car insurance altogether). Workmen’s Auto Insurance provides insurance to many high-risk drivers, allowing these drivers to get back on the road legally without breaking the bank.

24/7 Claims Hotline: Like most insurance companies, Workmen’s Auto Insurance has a 24/7 claims hotline. You can contact the company any time of day or night to report a claim.

Network of Producers: Workmen’s Auto Insurance sells car insurance through a network of ‘producers’. You work with a local producer to find a Workmen’s Auto Insurance policy that works for you. Enter your ZIP code into the online form at to find a producer near you.

Flexible Payment Options: Workmen’s Auto Insurance offers flexible payment options, including customizable down payments, multiple payment methods, and the ability to pay premiums monthly or in-full. For drivers with unique budgets or financial situations, Workmen’s Auto Insurance may be the right choice.

View Policy Online: After buying a Workmen’s Auto Insurance policy through a local producer, you can view your policy online. Login to your account to view policy status, print notices, and make payments online.

SR-22 Certificates: Workmen’s Auto Insurance offers SR-22 certificates to drivers across California. The SR-22 is a certificate of financial responsibility. Some high-risk drivers are required by the state of California to obtain an SR-22 certificate. This certificate verifies you have at least the minimum required liability insurance in California.

Bilingual Customer Service: Like many of its Californian competitors, Workmen’s Auto Insurance offers fully bilingual customer service staff who can handle claims and questions in Spanish or English.

Workmen’s Auto Insurance Reviews: What Do Customers Have to Say?

Workmen’s Auto Insurance is not one of the largest car insurance companies in the United States or California, so it does not appear on J.D. Power insurance company rankings or similar lists. However, you can find WAIC customer reviews on third party websites, the BBB, and other sources.

Workmen’s Auto Insurance has multiple Better Business Bureau profiles, although the company does not appear to be accredited by the BBB. The company’s BBB profile has 7 complaints closed in the last 3 years and an average rating of D-.

Other review websites have similarly disappointing rankings for Workmen’s Auto Insurance. The company has a 1-star rating on Yelp, for example, with 30+ reviews.

Some pros and cons from customers include:


  • Some customers have an overall positive experience with the company, claiming they’ve had no issues and multiple years of effective insurance coverage
  • Affordable prices
  • Cheaper rates for high-risk drivers than similar companies


  • Poor claim experience and satisfaction
  • Long call center wait times
  • Late fees, billing issues, and cancellation problems
  • Difficult to contact the company, its customer service staff, or its adjusters

Overall, Workmen’s Auto Insurance is poorly-rated online. However, many insurance companies – even the largest insurers – have similar online reputation issues, as few people rate their insurance company unless they’ve had a bad claims experience.

Final Word on Workmen’s Auto Insurance

Workmen’s Auto Insurance is a mid-sized car insurance company based in Los Angeles, California. Founded in 1949, Workmen’s Auto Insurance has provided effective car insurance policies to drivers across the state for 70+ years. To request a quote from Workmen’s Auto Insurance, visit and enter your ZIP code to find a Workmen’s Auto Insurance producer in your area.

Workmen's Insurance Contact Information
Address714 W Olympic Blvd # 800
Los Angeles, CA 90015
Customer Service Phone Number(800) 927-8221
24/7 Claims Support Phone Number(888) 811-4054
Customer Service HoursMonday-Friday 8AM–5PM
Saturday Closed
Sunday Closed
James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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