Why You Might Choose Westfield Car Insurance
Westfield earned a top rating in Forbes Advisor’s evaluation of the best car insurance companies. Some advantages of Westfield include:
- Great for new cars. Accident forgiveness, new car replacement and gap insurance offerings make Westfield a smart choice for those with new cars.
- Great bundling and coverage perks. The Wespack package bundles your car and home insurance coverage into one policy, giving you one bill and one shared deductible. Wespack also includes gap insurance, new car replacement and contents coverage.
Westfield Car Insurance Drawbacks
Westfield has drawbacks that may make it not suitable for your needs, including:
- Limited availability. Westfield only offers car insurance in 10 states. If you don’t live in one of the mainly Midwest states it’s in, you’re out of luck.
- Limited coverage offerings. Westfield does not offer a vanishing deductible, rideshare insurance, or SR-22 filings. If you need any of these coverage types, you’ll have to look elsewhere.
How Much Is Westfield Car Insurance?
Westfield’s average rate for a good driver is $1,984 per year, based on our analysis. That is about $40 a year cheaper than the average cost of car insurance nationwide of $2,026 a year.
Westfield Car Insurance Rates by Age
Car insurance for an 18-year-old with Westfield is over $1,000 cheaper than the national average. Westfield rates are also lower than the national average for 19-year-olds, but is higher for all other ages we evaluated.
| Age | Westfield average annual cost | National average annual car insurance cost | $ difference from national average |
|---|---|---|---|
| 18 | $4,661 | $5,693 | $1,032 lower |
| 20 | $3,828 | $3,925 | $97 lower |
| 25 | $2,534 | $2,412 | $122 higher |
| 35 | $2,152 | $2,129 | $23 higher |
| 45 | $2,040 | $2,026 | $14 higher |
| 55 | $1,922 | $1,845 | $77 higher |
| 65 | $1,952 | $1,893 | $59 higher |
| 75 | $2,317 | $2,178 | $139 higher |
Westfield Car Insurance Rates for Adding a Teen Driver
Westfield’s car insurance for a 16-year-old driver is higher than the national average of $2,359 a year.
Including a teen driver on an auto insurance policy can be costly. Parents can easily pay over $2,000 a year to add a 16-year-old to their car insurance.
| Company | Increase per year for adding a 16-year-old driver |
|---|---|
| $893 | |
| $1,606 | |
| $1,900 | |
| $1,982 | |
| $2,062 | |
| $2,466 | |
| $2,622 | |
| $2,643 | |
| $2,728 | |
| Westfield | $3,415 |
*USAA is available only to the military, veterans and their families.
Westfield Car Insurance Rates by Driving Record
Westfield’s auto insurance rates for different driving records are mostly below the national averages. The exception is for drivers with a DUI—Westfield’s rates are over $1,200 a year higher than the national average.
| Driving record profile | Westfield's average annual cost | National annual average |
|---|---|---|
| Good driver | $1,984 | $2,026 |
| $2,335 | $2,533 | |
| Driver who caused an accident with injury | $2,901 | $3,009 |
| $4,577 | $3,363 | |
| $3,588 | $3,889 |
Westfield Car Insurance Rates for Good Drivers
Westfield’s rates for good drivers are a tad below the national average of $2,026 per year.
| Company | National average annual cost for good drivers |
|---|---|
| $1,364 | |
| $1,436 | |
| $1,521 | |
| $1,597 | |
| $1,642 | |
| $1,826 | |
| Westfield | $1,984 |
| $2,025 | |
| $2,896 | |
| $3,093 |
*USAA is available only to the military, veterans and their families.
Westfield Car Insurance Rates for Drivers With a Speeding Ticket
Westfield’s rates for drivers with a speeding ticket are in the middle of the pack among companies we researched. Westfield car insurance costs are about $200 cheaper than the national average cost of $2,533 per year.
| Company | National average annual cost for drivers with a speeding ticket |
|---|---|
| $1,661 | |
| $1,878 | |
| $1,899 | |
| $2,062 | |
| $2,150 | |
| $2,270 | |
| Westfield | $2,335 |
| $2,350 | |
| $3,312 | |
| $3,951 |
*USAA is available only to the military, veterans and their families.
Westfield Car Insurance Rates for Drivers Who Caused an Accident With an Injury
Westfield car insurance costs are just okay for drivers who caused an accident with injury to someone else. Westfield’s rates are slightly below the national average of $3,009 per year.
| Company | National average annual cost for drivers causing an accident with injury |
|---|---|
| $1,958 | |
| $2,224 | |
| $2,293 | |
| $2,337 | |
| $2,428 | |
| $2,748 | |
| $2,770 | |
| Westfield | $2,901 |
| $4,412 | |
| $4,545 |
*USAA is available only to the military, veterans and their families.
Westfield Car Insurance Rates for Drivers With a DUI
Westfield auto insurance rates for drivers with a DUI conviction are the highest among the insurers we analyzed. Westfield’s average annual rates for drivers with a DUI are 36% higher than the national average.
If you have a DUI conviction on your record, it’s wise to compare car insurance quotes because of the wide variation in rates among companies.
| Company | National average annual cost for drivers with a DUI conviction |
|---|---|
| $2,307 | |
| $2,604 | |
| $2,610 | |
| $2,665 | |
| $2,716 | |
| $3,083 | |
| $3,723 | |
| $4,272 | |
| $4,315 | |
| Westfield | $4,577 |
*USAA is available only to the military, veterans and their families.
Westfield Car Insurance Rates by Credit Score
Westfield’s rates for drivers with poor credit are about $300 lower than the national average car insurance cost for drivers with poor credit.
Insurance companies see a connection between a person’s credit score and the likelihood of them having an insurance claim in the future. This correlation leads to higher insurance rates for people with bad credit, except in California, Hawaii, Massachusetts and Michigan. These states ban insurance companies from using credit history as a factor when determining auto insurance rates.
| Credit Score | Westfield's average annual cost | % difference from Westfield's good credit average annual rate |
|---|---|---|
| Excellent | $1,670 | 19% cheaper |
| Good | $2,055 | N/A |
| Fair | $2,518 | 23% higher |
| Below fair | $3,501 | 70% higher |
| Poor | $3,588 | 75% higher |
Westfield Car Insurance Availability
Westfield sells personal auto insurance in these 10 states:
- Indiana
- Illinois
- Iowa
- Kentucky
- Ohio
- Michigan
- Minnesota
- Pennsylvania
- Tennessee
- West Virginia
Westfield Car Insurance Rates by State
Car insurance costs can vary tremendously by state for various reasons. These include the rate of theft claims, the likelihood of weather-related claims, the amount of state-required minimum coverage and other factors.
Westfield is cheaper than the state average in five of the seven states we evaluated rates in.
| State | Westfield's average annual cost | State average annual cost |
|---|---|---|
| $1,547 | $1,627 | |
| $2,590 | $2,496 | |
| $3,196 | $2,372 | |
| $1,397 | $1,434 | |
| $2,047 | $2,353 | |
| $1,778 | $1,843 | |
| $1,875 | $1,942 |
Auto Insurance Complaints Against Westfield
Complaints about Westfield auto insurance are substantially below the industry average. Its auto insurance complaints in the past have been related to unsatisfactory claim settlements, adjusters’ handling of claims and insurance subrogation.
Westfield Car Insurance Complaints Trend
Westfield car insurance has consistently had low complaints about its auto insurance, but complaint data is not available for the most recent year.
Westfield’s Grade from Collision Repair Professionals: B
In a survey of collision repair professionals by CRASH Network, Westfield earned a B grade.
Auto body repair professionals possess valuable insight into whether insurers encourage the use of proper repair procedures, if insurance companies use lower-quality repair parts and whether car insurance companies’ processes lead to fast and efficient claims for customers.
Westfield Car Insurance Collision Repair Grade Trend
Westfield has received a respectable B grade from collision repair specialists for the last four years, which signals that it has fairly good repair processes and policies.
| Year | Westfield’s Collision Repair Grade |
|---|---|
| 2021 | B |
| 2022 | B |
| 2023 | B |
| 2024 | B |
Westfield Car Insurance Coverage and Add-Ons
Westfield provides the main types of car insurance mandated by a state, along with optional coverage types that can help tailor an auto policy to your needs.
Wespak Auto Insurance Package
Westfield’s Wespak package bundles together your auto and home insurance coverage into one policy, with one bill and one shared deductible. This helps out if a single incident—such as a fire—damages both your car and house.
Wespak also includes preferred coverage options in the price of the package, such as:
- Contents coverage: Covers up to $500 for certain personal belongings in your car damaged due to an auto accident.
- Death benefits: Pays out death benefits of $5,000 for the named insured and spouse and $2,000 for each household family member if they die due to an auto accident.
- Extended transportation expenses: Provides rental reimbursement coverage that pays for the use of a rental car while your auto is being repaired due to an accident.
- Extra perks: Receive extras for your homeowners insurance, such as higher limits on certain personal items and additional coverage, like debris removal.
- Gap insurance (loan/lease coverage): Pays the difference between the value of your vehicle and what you still owe on it if your car is declared a total loss.
- Locksmith service: Reimburses up to $150 for a locksmith if you’ve been locked out of your car.
- Replacement cost coverage: Reimburses you for a new car without any depreciation if your car is totaled in the first 12 months.
- Trip interruption coverage: Pays for bills you incur, like hotel and meals, if your vehicle breaks down or is in an accident at least 100 miles from your home.
Westfield offers Wespak Estate if you want to upgrade your home insurance with extra coverage. A Wespak Estate policy includes guaranteed replacement cost coverage for your house, sewer backup coverage, mold coverage and equipment breakdown coverage.
Add-On Coverage Westfield Does Not Offer
Westfield does not offer these types of optional coverage:
- Diminishing deductible. Westfield doesn’t offer a diminishing deductible. A diminishing deductible reduces your collision and comprehensive deductibles over time if you don’t receive tickets or file claims.
- Pay-per-mile insurance. Westfield doesn’t offer a pay-per-mile car insurance option. Pay-per-mile car insurance partially calculates your rates based on how many miles you drive each month.
- Rideshare insurance. Westfield doesn’t offer rideshare insurance. Drivers who work for Uber or Lyft may need rideshare insurance to cover gaps in coverage between their personal auto insurance and rideshare company insurance policies.
- SR-22 insurance. Westfield doesn’t offer SR-22 insurance. An SR-22 is a certificate sometimes required by states to prove you have the required car insurance coverage.
Westfield Car Insurance Discounts
Westfield offers a number of car insurance discounts that can help you save on car insurance.
Westfield Car Insurance Digital Experience
Westfield’s digital experience is very poor. It received zero stars (out of 5) in our evaluation of its mobile app and website functionality.
Westfield’s low score is mainly due to its lack of a mobile app. Also, its website doesn’t offer online car insurance quotes, and its search function isn’t very helpful.
It does have an online customer dashboard called MyWestfield. Here customers can log in to file claims, check on a claim’s status, find car insurance ID cards, see policy details and review and pay bills.
Westfield Auto Insurance Payments, Claims and Cancellation
Here’s how you contact Westfield to make payments, file a claim or cancel your policy.
Westfield Car Insurance Overview
Westfield Insurance was founded in 1848 by a group of farmers who named the business Ohio Farmers Insurance Co. Over time, the company expanded beyond insuring farmers. The name changed to Westfield, aptly named after their headquarters location in Westfield, Ohio.
Westfield Insurance still provides farm insurance but also offers insurance for vehicles, homes and businesses. It’s a regional insurance company available to consumers in 10 states in the upper Midwest.
Westfield AM Best Financial Strength Rating
Westfield has an A (Excellent) financial strength rating with AM Best.
A high financial strength rating indicates a company should be able to pay out on future claims.
More Insurance Types From Westfield
Westfield sells other types of insurance, including commercial insurance in 21 states and surety insurance in 50 states. Beyond car insurance, Westfield offers:
- Antique auto insurance
- Boat insurance
- Motorcycle insurance
- RV and camper insurance
- Snowmobile insurance
- Homeowners insurance
- Condo insurance
- Renters insurance
- Umbrella insurance
- Business insurance
- Commercial auto insurance
- Farm and agribusiness insurance
- Workers compensation insurance
To be eligible for Westfield motorcycle or RV insurance, you must carry an auto insurance policy with Westfield.
Methodology
To identify the best car insurance companies we evaluated each company based on its average rates for a variety of drivers, the coverage options offered, complaints against the company and collision repair grades from auto body professionals.
Auto insurance rates (50% of score): We used data from Quadrant Information Services to find average rates from each company for good drivers, drivers who have caused an accident, drivers with a speeding ticket, drivers with a DUI, drivers with poor credit, drivers caught without insurance, adding a teen driver, senior drivers and young drivers.
Unless otherwise noted, rates are based on a 40-year-old female driver with a Toyota RAV4 and coverage of:
- $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
- Uninsured motorist coverage of 100/300.
- Collision and comprehensive insurance with a $500 deductible.
Car insurance coverage options (25% of score): Any auto insurance company can provide the basics of liability insurance, collision and comprehensive coverage and other standard offerings. But it’s also important to have access to additional coverage types that can provide greater protection or cost savings. In this category we gave points to companies that offer accident forgiveness, new car replacement, vanishing deductibles, usage-based or pay-per-mile insurance and SR-22s.
Complaints (20% of score): We used complaint data from the National Association of Insurance Commissioners. Each state’s department of insurance is in charge of logging and monitoring complaints against companies operating in their states. Most auto insurance complaints center on claims, including unsatisfactory settlements, delays, and denials. The industry complaint average is 1.00, so companies with a ratio below 1.00 have lower levels of complaints.
Collision repair (5% of score): We incorporated grades of insurance companies from collision repair professionals. We used data provided by CRASH Network, a weekly newsletter covering the collision repair and auto insurance market segments. CRASH Network’s Insurer Report Card used grades from more than 1,100 collision repair professionals to gauge auto insurers on the quality of their collision claims service.
Read more: How Forbes Advisor rates car insurance companies
Westfield Auto Insurance Frequently Asked Questions (FAQ)
Is Westfield a good insurance company?
Yes, Westfield is a good car insurance company, according to our assessment. Westfield scored 4.2 stars (out of 5) and made our list of best car insurance companies.
Westfield offers competitive car insurance costs, decent coverage offerings and has a very low level of complaints made against it to state insurance departments. It also offers many discounts, making it a good company to check out if you’re in one of the 10 states it’s available in.
Is Westfield car insurance cheap?
Westfield has competitive car insurance rates but is not the cheapest of the companies we evaluated. Westfield’s average car insurance cost of $1,984 per year is $42 lower than the national average of $2,026 per year. Nationwide has the cheapest rates available to all drivers at $1,436 per year, according to our analysis.