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Westfield insurance review 2024

Updated May 24, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

3.9
Rating: 3.9 stars out of 5
Bankrate Score
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Auto

Rating: 3.8 stars out of 5

3.8

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Cost & ratings

Rating: 4.3 stars out of 5

4.3

Coverage

Rating: 3.5 stars out of 5

3.5

Support

Rating: 3 stars out of 5

3.0

Home

Rating: 3.9 stars out of 5

3.9

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Cost & ratings

Rating: 4.3 stars out of 5

4.3

Coverage

Rating: 3 stars out of 5

3.0

Support

Rating: 4 stars out of 5

4.0

About Bankrate Score

Bankrate's take

Policyholders who live in Westfield's 10-state region and prefer inexpensive coverage and working with local agents may want to make the carrier their company of choice.

  • Wespak home and auto bundle automatically includes additional coverage types such as replacement cost and roadside assistance.
  • Not rated by J.D. Power, which makes gauging customer satisfaction difficult.
  • Offers a convenient online portal to request roadside assistance.
  • Low average rates for home and auto insurance.
Westfield insurance logo

We want to know what you think about Westfield

Do you have experience with Westfield? Let us know your thoughts.

Westfield car insurance review

Westfield car insurance could be a good option if you enjoy working with local agents. Westfield’s auto insurance product is fairly standard, with only a few add-on options advertised. In addition to standard coverage types, you may be able to add loan/lease coverage (sometimes called gap coverage), trip interruption coverage and replacement cost coverage.

During Bankrate’s Westfield Insurance review, we analyzed the company’s coverage offerings, discounts, availability, digital tools and third-party scores to assign it a Bankrate Score of 3.9 out of a possible 5.0. We don’t consider Westfield to be one of the best car insurance companies due to its limited offerings and 10-state availability, but it could be worth getting a Westfield car insurance quote if you want to work with a local agent. Its low average rates may make it an attractive option for those who are looking for affordable coverage.

Pros and cons of Westfield car insurance

While you’re comparing car insurance rates, you may also want to understand the non-price-related perks and drawbacks of the companies you’re considering. Here are some of Westfield car insurance’s pros and cons:

Green circle with a checkmark inside

Pros

  • Can insure multiple types of vehicles on one policy
  • Has options to insure RVs and campers
  • Local agents available
Red circle with an X inside

Cons

  • Digital tools aren’t as robust as other carriers
  • No online quotes
  • Limited state availability
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Westfield car insurance cost

The average annual cost of Westfield full coverage car insurance policies is $2,291, compared to the national average cost of car insurance, which is $2,311 for a full coverage policy. The average annual cost of a Westfield minimum coverage policy is $370, whereas nationally, minimum coverage costs $640 per year. If your goal is to find cheap car insurance, it can be helpful to shop around and get quotes from several companies.

How much is Westfield car insurance?

Your driving history factors into your car insurance rates in a big way. If you have incidents like tickets or at-fault accidents, you’ll likely pay a higher premium. Bankrate tracks driving history rates and has done so for several years, with the most serious moving violation commonly considered to be a DUI. As you can see from the chart, being convicted of a DUI is likely to increase your premium rate considerably. If you have a DUI and want a Westfield car insurance quote, you may need to inquire about eligibility with an agent.

Good driver, good credit
Westfield full coverage premium
$2,291
National full coverage premium
$2,311
Westfield full coverage premium
$3,920
National full coverage premium
$4,261
Westfield full coverage premium
$2,653
National full coverage premium
$2,789
Westfield full coverage premium
$2,940
National full coverage premium
$3,299
Westfield full coverage premium
$5,082
National full coverage premium
$4,426
*All rates displayed are average annual rates.

Westfield car insurance quotes by age

In most states, your age also plays a significant role in your premium, with younger drivers paying more based on their lack of experience behind the wheel. If a young driver can stay on their parents’ policy, though, rates will generally be a bit more affordable. Rates usually decrease over time as long as you’re able to maintain a clean driving record. The rates in the tables below are for drivers with clean records.

Westfield full coverage premium
$7,225
National full coverage premium
$4,974
Westfield full coverage premium
$4,846
National full coverage premium
$4,280
Westfield full coverage premium
$4,624
National full coverage premium
$4,697
Westfield full coverage premium
$2,840
National full coverage premium
$2,930
Westfield full coverage premium
$2,472
National full coverage premium
$2,500
Westfield full coverage premium
$2,291
National full coverage premium
$2,311
Westfield full coverage premium
$2,062
National full coverage premium
$2,080
Westfield full coverage premium
$2,291
National full coverage premium
$2,311
Westfield full coverage premium
$2,062
National full coverage premium
$2,080
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare Westfield car insurance rates

Car insurance rates vary significantly among providers, influenced by coverage options, company underwriting and individual driver profiles. Westfield Insurance tends to offer rates that are lower than the national average and remains competitive among major insurers, making it an attractive option for those seeking cost-effective coverage in the states it services.

Company Avg. full coverage premium Avg. min coverage premium
$2,291
$370
$2,624
$827
$2,055
$649
$2,892
$861
$2,016
$561
$1,950
$702
$2,222
$748
$1,895
$494
$1,901
$719
$1,696
$440
$1,950
$702
$2,222
$748
$1,895
$494
$1,901
$719
$1,696
$440
*All rates displayed are average annual rates.

Westfield customer satisfaction

When shopping for insurance, customer satisfaction is an important metric to consider for many drivers. J.D. Power scores are a reliable customer satisfaction metric, but Westfield is a smaller company, so it wasn’t rated in any studies. AM Best gives Westfield an A (Excellent) financial strength rating.

Westfield auto insurance customer complaints

The National Association of Insurance Commissioners (NAIC) is also a useful tool for gauging service levels. The NAIC Complaint Index measures the number of insurer complaints relative to its size, with 1.0 as the industry benchmark. Indexes above 1.0 indicate the carrier receives more complaints than expected for its product market share.

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.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with Westfield
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Westfield home insurance review

Westfield could be a good company if you want to bundle your auto and home insurance. The company’s Wespak offering for bundled policies includes some perks, like replacement cost coverage, that you usually have to add as endorsements. Westfield’s endorsements include equipment breakdown coverage and identity theft coverage. Additionally, Westfield also offers coverage options tailored to luxury homes, with programs called Wespak Estate and Estatepak.

These options are helpful, but aren’t all that unique, which is partly why Westfield isn’t one of our picks for best home insurance companies. The company is also only available in the same 10 states where auto insurance is sold, which kept it from obtaining a higher Bankrate Score, along with its lack of third-party reviews.

Pros and cons of Westfield homeowners insurance

Westfield home insurance might be right for some homeowners, but it’s not the right choice for everyone. It’s important to compare home insurance quotes, features, tools and more to make sure a company will work for you. Here are some perks and drawbacks to consider:

Green circle with a checkmark inside

Pros

  • Options for high-value homes
  • Perks for bundling home and auto
  • Local agents to help you tailor your policy to your specific needs
Red circle with an X inside

Cons

  • Only available in 10 states
  • Fewer endorsements than other carriers
  • Limited digital tools
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Westfield home insurance cost

Westfield home insurance policies cost an average of $969 for $300,000 in dwelling coverage, whereas the national average cost of home insurance is $2,230 for the same coverage level. Your rates will vary based on your unique rating factors, including how much coverage you need. Below, we compare Westfield’s average rates to the national average across a range of dwelling limits.

$150K dwelling
Westfield average premium
$691
National average premium
$1,354
$300K dwelling
Westfield average premium
$969
National average premium
$2,230
$350K dwelling
Westfield average premium
$1,057
National average premium
$2,490
$450K dwelling
Westfield average premium
$1,232
National average premium
$3,020
$750K dwelling
Westfield average premium
$1,747
National average premium
$4,451

Compare Westfield homeowners insurance rates

Carriers have different underwriting guidelines, so you'll see varied quotes depending on the company. On average, Westfield offers fairly low rates, which could be because many of the states in its 10-state region have fairly low average rates. Below you can see how Westfield's rates stack up against some of the largest carriers by market share.

Company Avg. annual premium Difference compared to national average
$969
- $1,261
$1,854
- $376
$1,959
- $271
$1,452
- $778
$2,325
+ $95
$1,681
- $549
$3,521
+ $1,291
$1,594
- $636
Progressive
$2,369
+ $139
$1,827
- $403
$1,681
- $549
$3,521
+ $1,291
$1,594
- $636
Progressive
$2,369
+ $139
$1,827
- $403

Westfield customer satisfaction

Like its auto insurance product, Westfield's home insurance is not scored by J.D. Power, likely because it is a smaller company. However, speaking with existing policyholders could give you first-hand insights into the carrier's service and claims processes.

Westfield home insurance customer complaints

Westfield's NAIC Complaint Index has varied over recent years but sits at just above baseline as of 2023. An index above 1.00 indicates that the carrier receives more complaints about its home insurance product than expected based on its market share.

Westfield home insurance discounts

Homeowners shopping for cheap home insurance often turn to discounts as a way to lower their premiums. Westfield does not advertise specific home insurance discounts on its website, but instead offers preferred options when you bundle home and auto. If you’re interested in Westfield home insurance, you can work with an agent to learn what savings opportunities might be available to you.

Get personalized home insurance quotes

Answering a few quick questions to check your availability with Westfield

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Mortgage

Leaving so soon? Your custom quotes are just minutes away.

Compare Westfield with other insurers

After reading our Westfield Insurance review, you may be wondering what other companies you could consider for your insurance coverage. Here are some alternatives you might look into when you’re getting quotes:

Badge 1 Featured

Westfield

Westfield
Rating: 3.9 stars out of 5
3.9
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Cost & ratings

Rating: 4.3 stars out of 5
4.3

Coverage

Rating: 3.3 stars out of 5
3.3

Support

Rating: 3.5 stars out of 5
3.5

State Farm

State Farm
Rating: 4.3 stars out of 5
4.3
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Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 4.4 stars out of 5
4.4

USAA

USAA
Rating: 4.5 stars out of 5
4.5
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Cost & ratings

Rating: 4.6 stars out of 5
4.6

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4.2 stars out of 5
4.2
OVERVIEW
Info
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. However, while State Farm does offer farm coverage, it may not be as robust as Westfield’s. If you’re interested in a farm or agribusiness policy, Westfield might be the better fit.
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. The company consistently earns high marks for customer satisfaction, although it doesn’t qualify for official ranking with J.D. Power. Because of USAA’s strict eligibility requirements, this won’t be an option if you aren't affiliated with the military, so you might still want quotes from Westfield and other companies.
STANDOUT FEATURES
Info
Car Outline
Two safe driving programs
Bank
Banking and investment products
Business
Local agents available
Federal Reserve
Coverage for military community
Rates Down
Low average rates
Auto Car
SafePilot telematics program
AVG FULL COV. AUTO RATE
Info
$2,624 $2,016
J.D. POWER AUTO SCORE
Info
882/1000 890/1000
AVG HOME RATE
Info
$1,854 $1,452
J.D. POWER HOME SCORE
Info
829/1000 881/1000
AM BEST RATING
Info
A++(Superior) A++(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Westfield insurance review.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

Is Westfield a good insurance company?

Westfield might be a good insurance company for some consumers, but none of its products are particularly robust or unique. If you live in its 10-state personal insurance territory, you might want to get a quote to see if its rates and features align with your needs, but keep in mind that its digital tools are lacking and its auto service registers a high level of complaints.

What are real-life customers saying about Westfield?

To gain insights into Westfield Insurance's customer experiences, we looked at narratives from Reddit and Trustpilot. These platforms offer unfiltered feedback, revealing the company's performance in areas like customer support, claims resolution and policyholder contentment.

Reddit

Reddit users generally express satisfaction with Westfield Insurance, particularly praising its straightforward claims process and reasonable pricing for both home and auto insurance. They highlight the company's effectiveness in handling major home claims without unnecessary disputes, underscoring a positive customer experience.

Reddit user 1
Jun 27, 2023
Been with Westfield for my home and auto for...
“Been with Westfield for my home and auto for about 5 years. Had one major home claim, no auto yet - they have been great. Price is reasonable, claim process was easy and they didn't fight me on anything.”
Reddit user 2
Jun 27, 2023
Westfield is the best...
“Westfield is the best for taking care of claims.”

Trustpilot

Trustpilot feedback on Westfield Insurance sheds light on the opposite side of the spectrum. Issues included unexpected bills post-cancellation and difficulties resolving these errors, leading to frustration and concerns over potential collections.

Trustpilot user 1
Sep 19, 2023
I had Westfield Insurance for my home…
Rating: 1 stars out of 5
“I had Westfield Insurance for my home for a few years. I never had to file a claim so I can't review that. I recently decided to cancel because their cost was going up each year. I notified the company before the due date on their website and the company managing the account on their website. I also followed up in writing that I was canceling. Received another bill a month later saying I owed for that month after the account was closed. I contacted customer service who apologized and said he would take care of it. Now two months later, I get another bill threatening collections. I am tired of being harassed! Contacting the company yet again.”

Westfield company details 

  • Main phone number: 1-800-243-0210
  • Roadside assistance: 1-877-787-9078 
  • Glass-only auto claims: 1-800-810-3665
  • Online contact form
  • Payments by mail:
    • Westfield Group
      PO Box 9001566
      Louisville, KY 40290-1566
  • Headquarters:
    • One Park Circle
      P.O.Box 5001
      Westfield Center, OH 44251

State availability

Westfield’s personal insurance products are only available in 10 states: IL, IN, IA, KY, MI, MN OH, PA, TN and WV. Westfield’s business and surety products are more widely available.

Westfield tools and benefits

If you live in a state where Westfield writes policies, 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: Westfield offers surety bonds in all 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.
  • Westfield PhotoQuote: The only mobile app that Westfield offers allows customers to take and submit photos for auto insurance claims. Unfortunately, it doesn’t provide any policy management tools.
  • Workers' compensation: If you are a business owner, you may be interested in using Westfield for your workers' comp coverage, which includes perks such a nurse triage program and a return to work program.
  • SizeUp Competitive Analysis Tool: Also for small business owners, Westfield offers a free tool to help assess the business, increase revenue and identify growth opportunities.
  • Efficiency First tool: Another tool for business owners, Efficiency First allows you to control and reduce energy costs and gain control over monthly bills.

Frequently asked questions about Westfield

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 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.

Auto

Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $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 base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

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.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

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

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.