Westfield insurance review 2023

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 3.5 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.

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, and its Bankrate Score is a middle-of-the-road 2.4. 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.

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.

Westfield customer complaints

The National Association of Insurance Commissioners (NAIC) is also a useful tool for gauging service levels. The company records customer complaints and assigns each product line a score based on the complaint level. The industry average is indicated by a score of 1.0; anything above that shows that a company has more than the average number of complaints registered against it. Anything below 1.0, meanwhile, means it has fewer than average complaints, and suggests a company that takes its customer relationships seriously.

Other 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 2023 rates for 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 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

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 parent's 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.

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 Scores

Our 2023 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.

Like our previous Bankrate Scores, 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. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 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 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.