Westfield Insurance Review
- With 3.2/5 stars in 2024, Westfield is a good insurance company.
- Read Westfield reviews, complaints and prices before you buy.
Westfield insurance: Ratings and reviews
Established as a solid contender in the regional insurance market, Westfield Insurance caters to an extensive customer base in 10 states. By offering a vast array of coverage options and competitive pricing, it competes with major players like GEICO and Nationwide.
In this review, we'll dissect what makes Westfield a popular choice among customers and provide insight into its range of coverage and discount offerings.
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Affordable premiums
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Telematics program available
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Favorable customer reviews from third-party organizations
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Only available in 10 states
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Specific discounts are unknown
Is Westfield a good insurance company?
Our review of Westfield Insurance primarily gauges how the company performs in terms of customer service, with key insights derived from third-party ratings.
Customer Satisfaction: Above average
- J.D. Power also rated Westfield as Above average in overall auto customer satisfaction[1]
Complaint Index: Below average
- The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Westfield[2]
Financial Strength: Excellent/Good
- Westfield received an Excellent/Good financial strength rating from A.M. Best for its ability to pay out claims[3]
The Zebra Customer Satisfaction Survey
In our review, we also consider feedback from real customers via our own consumer survey, where we rank car insurance companies based on their responses. Unfortunately, we did not receive enough responses for Westfield Insurance to include in the survey.
How much does Westfield Insurance cost?
Currently, the national average for a 6-month car insurance policy is $1,093, whereas Westfield is about $732Â or roughly 17%Â cheaper than a typical policy, making it a more affordable option on average.
The table below shows how Westfield auto insurance compares against other top insurers.Â
Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| USAA | $114 |
| Westfield | $122 |
| Nationwide | $123 |
| GEICO | $129 |
| State Farm | $131 |
| Progressive | $157 |
| Allstate | $201 |
Source: The Zebra
Similar to any insurance company, pricing for Westfield auto insurance does vary based on your age and generally will get cheaper the older you get.Â
The table below shows Westfield's car insurance premiums for different age brackets.Â
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $283 |
| 20s | $155 |
| 30s | $127 |
| 40s | $117 |
| 50s | $111 |
| 60s | $110 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
Auto insurance discounts with Westfield Insurance depend on certain qualifications and state availability. Though specific discounts are not listed on their website, here are some common insurance discounts that may apply:
- Multi-policy: A discount may be available for customers who bundle another policy, such as home or renters insurance, with their auto insurance.
- Multi-vehicle: Westfield Insurance may offer a discount to customers with multiple insured vehicles.
- Continuous coverage: If you have a consistent insurance history, Westfield Insurance might reward you with a discount.
- Homeowners discount: Auto policyholders who own their homes may be eligible for a discount.
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What types of coverage does Westfield offer?
Westfield Insurance provides a broad range of coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverages. Unique offerings include:
- Loan/lease coverage:Â This pays the difference if your totaled vehicle payout is less than you owe on your car loan
- Replacement cost coverage:Â This pays the replacement cost of your totaled vehicle rather than the actual cash value; replacement cost does not take depreciation into account and is a higher reimbursement.
- Roadside assistance:Â Emergency roadside services like towing, tire replacement and fuel delivery are available with this coverage.
Read more about Westfield's additional coverages here.
Westfield MissionSafe
Westfield policyholders have the option to opt into its telematics program, MissionSafe, as a way to lower premiums. Telematics collects data on your driving habits like hard braking, time of day driven and speed to determine someone's safe driving abilities. Enrolling in the program can earn you a sign-on discount, and good driving habits will reflect in your renewal premium as a further discount. MissionSafe uses a mobile app to track these metrics; Westfield claims that drivers in this program can save up to 20% on average.
Westfield insurance review: Summary
Between Westfield's positive third-party ratings and low rates, this company is a solid choice of insurance provider. Though it only operates in some states, the suite of coverage options and prices are suitable for most standard drivers. The Zebra recommends looking into Westfield if you reside within its coverage area.Â
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:
- Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
- Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
- Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
- Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
- The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.
For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:
- $50,000 per person/$100,000 per incident for bodily injury liability
- $50,000 per incident for property damage liability
- $500 deductibles for collision and comprehensive coverage
For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:
- $200,000 for the dwelling
- $20,000 for other structures
- $100,000 for personal property
- $100,000 for personal liability
- $1,000 deductible
These sample premiums are dynamic and automatically refresh whenever the newest data is made available.
To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.
For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.
Westfield insurance: Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.