Westfield insurance review 2024

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:

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:

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:

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.

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.

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

Bankrate utilizes Quadrant Information Services to analyze April 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.

• 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.