Westfield Auto and Home Insurance Review
$1,481 a year
$1,969 a year
- Cheap auto and home insurance
- Special home and auto packages
- Good complaint rating
- Excellent financial strength
- Limited coverage options
- Online quotes not available
Is Westfield a good company?
Westfield’s car insurance has an excellent satisfaction rating from J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. in the Central U.S. This region includes Illinois, Michigan, Minnesota and Ohio, four of the 10 states where Westfield offers home and auto insurance.
Although Westfield is a small company, it maintains an A rating Lenders often require your home insurance company to have a B or better rating from AM Best, or a comparable rating from another agency. for financial strength from AM Best. This matches or beats many larger companies for financial stability.
The company also has good home and auto complaint ratings The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault. from the National Association of Insurance Commissioners (NAIC). It has about half as many customer complaints as average.
However, Westfield’s digital shopping tools are limited compared to larger companies. For example, you can’t get quotes from Westfield’s website. It only helps you find an agent.
Westfield insurance ratings at a glance
| Rating | Westfield score | Industry average |
|---|---|---|
| Auto complaint rating* | 0.56 | 1.0 |
| Home complaint rating* | 0.52 | 1.0 |
| Customer satisfaction** | 676 | 562 |
| Financial strength*** | A | Third-best of 13 grades |
Source: *NAIC 2023 complaint index (lower scores are better); **J.D. Power 2024 U.S. Auto Insurance Study, North Central U.S. (higher scores are better); ***AM Best.
How much is car insurance from Westfield?
Westfield also has cheap liability car insurance at $516 a month, or $37 a month. This is 47% less than the average liability Liability covers injuries and damage you cause to others. It’s required by law in almost every state. rate nationwide ($69 a month).
Car insurance rate comparison
| Company | Full coverage | Liability | LendingTree score | |
|---|---|---|---|---|
 | Erie | $1,375 | $516 |  |
 | Westfield | $1,481 | $439 |  |
 | Country Financial | $1,491 | $679 |  |
 | State Farm | $1,604 | $661 |  |
 | Auto-Owners | $1,740 | $632 | |
 | Travelers | $1,806 | $792 | |
 | American Family | $2,019 | $751 | |
 | Progressive | $2,078 | $801 | |
 | Geico | $2,109 | $797 | |
 | Nationwide | $2,402 | $1,024 |  |
 | Allstate | $2,960 | $1,344 | |
 | Farmers | $3,462 | $1,363 | |
Your actual rate depends on factors like your driving record, age and, in most states, your credit. It’s good to compare car insurance quotes from a few different companies to avoid overpaying.
Westfield car insurance rates for bad drivers
You can usually get cheap car insurance from Westfield with a bad driving record. Its rate after a speeding ticket is 43% less than the national average. It charges drivers with a DUI (driving under the influence) 12% less than the national average.
| Driving record | Westfield annual | U.S. average | Difference |
|---|---|---|---|
| Speeding ticket | $1,481 | $2,591 | -43% |
| At-fault accident | $2,126 | $3,147 | -32% |
| DUI | $3,418 | $3,891 | -12% |
Teen driver car insurance quotes from Westfield
Westfield also has cheap car insurance for teens. The company charges young drivers an average of $114 a month for liability insurance. This is 49% less than the national average. Its full-coverage rates are 27% less than the average for young drivers.
| Coverage | Westfield annual | U.S. average | Difference |
|---|---|---|---|
| Liability | $1,366 | $2,673 | -32% |
| Full coverage | $4,619 | $6,359 | -27% |
Westfield car insurance discounts
Westfield’s rates are already low, and it offers a few car insurance discounts that could bring down your rate even more. These include discounts for:
- Bundling your car insurance with a homeowners policy
- Signing up for MissionSafe, its safe driving program
- Being a safe driver
- Getting a quote at least a day before your policy starts
- Being a loyal customer
Westfield offers two car and home insurance bundle options. Its basic WesPak package is available to most homeowners. Its deluxe WesPak Estate package is designed for wealthier customers.
Along with discounts, these packages include free coverage upgrades. For example, WesPak Estate gives you guaranteed replacement cost Guaranteed replacement cost pays to repair or rebuild your home, even if it cost of doing so is greater than your coverage limit. coverage for your home at no extra charge.
MissionSafe uses a smartphone app to track your driving. You get an initial discount just for signing up. If you drive safely enough, you get another discount each time you renew. Westfield doesn’t raise your rate if its app detects bad driving.
Westfield car insurance coverage options
Westfield offers all the normal car insurance coverages like liability and collision, but not much else. It does offer gap insurance Gap insurance covers the difference between your car’s value and your loan balance, if you total the vehicle. You may need this if you owe more for your car than it’s worth. , which some companies don’t have. It also offers roadside assistance, but so do most other companies.
If you only get car insurance from Westfield, you’ll pay extra for these add-ons. However, gap insurance is included for free in a WesPak home and auto bundle. The pricier WesPak Estate bundle comes with free roadside assistance.
Westfield’s standard car insurance coverages include:
| Coverage | What it covers |
|---|---|
| Liability | Injuries to others and damage to their property |
| Collision | Damage to your own car from a collision with another vehicle or object |
| Comprehensive | Your vehicle for theft or non-collision damage like fire, flood and vandalism |
| Uninsured motorist | You and your passengers for injuries caused by a driver with no insurance |
| Personal injury protection (PIP) | No-fault medical coverage for you and your passengers, plus lost wages and essential services |
| Medical payments (MedPay) | No fault medical coverage for you and your passengers |
However, Westfield does not offer some useful add-ons like:
- Accident forgiveness Protects you from a rate increase after your first at-fault accident.
- Original equipment manufacturer Pays to replace damaged parts with factory originals, instead of after-market substitutes. (OEM) parts coverage
- Diminishing deductible Reduces your deductible at no extra cost for avoiding claims.
- Pay-per-mile insurance Uses the number of miles you drive to determine your rate.
Many other car insurance companies offer some or all of these features.
How much does Westfield charge for homeowners insurance?
Home insurance rate comparison
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
| Westfield | $1,969 | |
| Erie | $2,055 | |
| State Farm | $2,427 | |
| Allstate | $2,560 | |
| Country Financial | $2,827 | |
| Nationwide | $3,055 | |
| American Family | $3,072 | |
| Travelers | $3,149 | |
| Farmers | $3,801 | |
Home insurance discounts from Westfield
Along with already low rates, Westfield also offers home insurance discounts for:
- Bundling your home and auto policies in a WesPak or WesPak Estate package
- Being a loyal customer
- Getting an advanced quote
- Having protective devices and alarms in your home
How Westfield’s home insurance coverages work
Westfield offers the normal insurance protections for your home and belongings, plus a few extras.
All Westfield home insurance policies include increased replacement cost Increased replacement cost covers rebuild costs that exceed your policy’s limit, up to a stated amount. . Some companies charge extra for this coverage, also known as extended replacement cost.
Westfield also offers a half-dozen home insurance add-ons. Two are particularly noteworthy.
- Westfield’s inland flood endorsement covers flooding from events like rapid snowmelt and/or excessive rainfall. Standard homeowners insurance doesn’t cover flood damage. Depending on your flood risks, this add-on may be a better option for you than stand-alone flood insurance.
- Westfield’s service line coverage covers the cost of repairing or replacing an underground utility line. This can get particularly expensive if workers have to dig through concrete to get to a damaged water, gas or sewer line.
Like most other companies, Westfield’s basic coverages include:
- Dwelling coverage for your home
- Personal property coverage for your belongings
- Loss of use for temporary living expenses after a covered disaster
- Personal liability for injuries and damage to others
How to get insurance quotes from Westfield
Westfield is widely available through independent insurance agencies in these states:
- Illinois
- Indiana
- Iowa
- Kentucky
- Ohio
- Michigan
- Minnesota
- Pennsylvania
- Tennessee
- West Virginia
You can find an authorized independent agent near you on Westfield’s website.
Most independent agents can get you quotes from a few different companies at once. This can make it easier to comparison shop.
However, an independent agent can’t get you quotes from companies with exclusive agents, like State Farm and Allstate. You have to contact these companies separately.