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Westfield Insurance review 2022

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A father holds his daughter up in the air while mom is making lunches and smiling in the kitchen.
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Westfield Insurance Company is a provider known throughout the Midwest as one of the largest non-public companies in Ohio and the largest employer in Medina County.

Perks Drawbacks
Several different product lines including farm and agribusiness insurance Only available in 10 states
Lower than average rates Unrated by J.D. Power
Fewer than average complaints filed with the NAIC Westfield mobile app is poorly rated and has limited functionality
Network of local, independent insurance agents

Westfield Insurance takes pride in community relationships, as evidenced by its small service area of just 10 states for personal insurance. For commercial insurance, that reach expands to 21 states. With excellent customer service ratings, Westfield Insurance is recognized for its hands-on agents who work closely with customers to personalize the insurance experience. It also receives strong financial ratings from AM Best, consistently receiving scores of A (Excellent) since 1934.

Westfield car insurance | Bankrate Score 4.0

Westfield car insurance received a Bankrate Score of 4.0 out of 5 points, a rating that Bankrate’s experts determined by analyzing key metrics such as average premiums obtained from Quadrant Information Services, third-party scores from organizations like J.D. Power and AM Best and digital experience. The company gained points for its accessible local agents, high AM Best score and positive customer reviews. However, the company lost points for only serving 10 states.

Westfield offers flexible insurance coverage for cars, trucks, recreational vehicles, boats and motorcycles. The company offers standard car insurance options such as liability, collision, comprehensive, medical payments, personal injury protection (PIP), gap coverage, replacement cost coverage, underinsured and uninsured motorist coverage and umbrella coverage. The company also offers add-on coverage options such as antique auto insurance, towing and emergency assistance costs, liability for fuel spills, custom parts and equipment and helmets and safety gear coverage.

Westfield car insurance cost

The average annual cost of Westfield full coverage car insurance policies is $1,545, cheaper than the national average cost of car insurance, which is $1,771 for a full coverage policy. The average annual cost of a Westfield minimum coverage policy is $342, $203 cheaper than the national average cost of a minimum coverage policy, which is $545.

A driver’s car insurance rates tend to go up after certain life events, such as being involved in an accident, adding a teen to their policy or getting a moving violation. Across the board, Westfield’s average premiums are lower than the national average after these life events.

Westfield average annual full coverage premium National average annual full coverage premium
Clean driving history $1,545 $1,771
Speeding ticket conviction $1,743 $2,138
At-fault accident $2,031 $2,521
Adding a 16-year-old driver $3,309 $3,852

*16-year-old rates include a male or female 16-year-old and their married parents on one policy. 

Westfield car insurance discounts

Westfield car insurance does not advertise specific auto insurance discounts on its website. However, the company does encourage customers to benefit from bundling home and auto insurance. To find out how you could save on car insurance, you may want to contact one of Westfield’s local, independent agents.

Westfield car services

Westfield does not advertise any car services beyond auto insurance.

Westfield home insurance | Bankrate Score 4.0

Westfield home insurance received a Bankrate Score of 4 out of 5 points. The Bankrate Score is an all-encompassing rating based on third-party financial strength and customer satisfaction metrics, average rates obtained from Quadrant Information Services, accessibility, digital features and more. The company scored well for its local agents and for having a low number of complaints filed with the National Association of Insurance Commissioners (NAIC). However, the company’s app doesn’t have home insurance management capabilities and home insurance is only available in 10 states.

Westfield offers the following standard coverage options: dwelling, other structures, personal property and liability insurance. The company also offers add-on coverage options including identity theft coverage, umbrella insurance, flood insurance, replacement cost coverage and home equipment breakdown coverage. Westfield offers coverage options tailored to luxury homes, with programs called Wespak Estate and Estatepak, which are designed to insure high-value homes and automobiles on the same policy.

Westfield home insurance cost

Westfield home insurance policies cost an average of $1,170 for $250,000 in dwelling coverage. The average Westfield policy is around $200 cheaper than the national average cost of home insurance, which is $1,383 for $250,000 in dwelling coverage, according to Bankrate’s 2022 study of quoted annual premiums. Westfield’s average home insurance premiums are lower than the national average cost of home insurance across dwelling coverage limits, as shown in the table below.

Dwelling coverage limit Westfield average annual premium National average annual premium
$150,000 $822 $980
$250,000 $1,170 $1,383
$350,000 $1,543 $1,887
$450,000 $1,866 $2,351
$750,000 $2,371 $3,414

Westfield home insurance discounts

Westfield home insurance does not advertise specific home insurance discounts on its website, but instead offers preferred options when you bundle home and auto. You can work with an agent to develop a plan that offers personalized plans and coverage based on the vehicles and properties that you own.

Westfield home services

Westfield does not offer any home services beyond home insurance.

Other Westfield perks worth considering

If you live in Westfield’s territory, you may want to consider the company based on the following perks:

  • Agribusiness coverage: Westfield has a complete suite of agribusiness coverage types, including coverage for farming, wholesalers, processors and services.
  • Surety bonds with full-service and competitive rates: Westfield offers surety bonds in 50 states. Surety bonds are financial products that oblige the purchaser to pay the principal in accordance with the bond’s terms.
  • Closing the Gap podcast: The first-ever podcast for insurance agents, Closing the Gap focuses on actionable tools that agents can use to overcome industry pain points.
  • Mobile app: Westfield has a mobile app. However, it only allows customers to take and submit photos for auto insurance claims.
  • Local agents: Westfield delivers its products and services through independent agents. Customers will need to work closely with agents to get quotes and make changes to policies. This service helps customers to personalize their insurance plans, but it does prevent customers from working independently online. This service may be an asset to customers who like personal communication, but other customers may find it inconvenient.
  • Additional unique coverage types: Westfield offers coverage for your fishing gear, custom motorcycle parts and equipment, helmets and other safety gear. If you need to insure your boats and RVs in addition to your home and car, Westfield agents will work to keep you covered on the road, off the road or on the water.

Westfield social responsibility

This Westfield Insurance review would not be complete without a discussion of the company’s social responsibility. Westfield runs Project SEARCH, a program that helps young adults with disabilities develop the skills they need to work important jobs in their communities. Westfield also operates a Small Business Spotlight that sheds light on local fixtures. The company also operates employee resource groups for women, members of the LGBTQ+ community, people of color, persons with disabilities and more.

Not sure if Westfield is right for you? Consider these alternatives

After reading the Westfield Insurance review, you may decide that it’s not the right company for you. The following options are some of the best auto insurance companies and best home insurance companies on the market, based on Bankrate’s research. You may want to consider getting quotes from these providers.

  • State Farm: State Farm is consistently one of the highest rated insurance companies on the market. The company offers a network of local agents, a top-notch mobile app and a wide range of coverage options that are available nearly nationwide.
  • USAA: If you’re a member of the U.S. military, a veteran or a qualifying family member, you may want to check out USAA, which offers certain features specifically tailored to military families.
  • Travelers: If you like Westfield’s agribusiness insurance options but don’t want to purchase a policy from the company, you may want to consider Travelers. Travelers offers agribusiness coverage alongside home and auto insurance.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating a married couple with a male or female 16-year-old driver on their full coverage policy. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor