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Westfield Insurance is a solid option for drivers in the 10 states it serves, offering affordable premiums and a telematics program.
The company has received above-average customer satisfaction ratings and maintains a below-average complaint index, indicating generally positive experiences with claims and service. With an excellent financial strength rating from A.M. Best, Westfield demonstrates reliability in paying claims.
Expert support: Knowledgeable agents resolve issues quickly with accurate information.
Longevity: Established history suggests reliable long-term coverage.
Transparency: Clear timelines help you know what to expect during claims.
Lacks integration: No integration means managing insurance separately from other accounts.
Claim risk: Unfair resolution can leave valid claims unpaid.
App limitations: Poor or missing app forces you to use less convenient methods.
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Westfield is about .[1]
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.
See how Westfield stacks up against competitors →
Westfield offers a short list of available discounts. Along with the usual options you'll find elsewhere, such as multi-policy and multi-car discounts, Westfield also offers a limited number of additional add-ons to help customers save money.
If you have a consistent insurance history, Westfield Insurance might reward you with a discount.
Auto policyholders who own their homes may be eligible for a discount.
| MissionSafe App Discount | Advanced Quote Discount |
| Account Relationship Discount | Loyalty Discount |
| Protective Device Discount |
To learn more about each discount Westfield has to offer, see their discounts page.
See how Westfield stacks up against similar companies
Cost: $961 average cost for a six-month policy
Customer satisfaction: Moderate
Our take:
Cost: $954 for a six-month auto policy
Customer satisfaction: High
Our take:
Cost: $1,037 average cost for a six-month policy
Customer satisfaction: High
Our take:
Westfield provides dependable service for routine tasks like managing policies and filing standard claims, which can often be handled efficiently through their digital platforms. Policyholders generally report positive experiences, though more complex claims or disputes can take longer to resolve, leading to some variability in overall service.[2]
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,048 |
| One comp claim | $1,193 |
| Two comp claims | $1,257 |
| At-fault accident - $1000-$2000 | $1,355 |
| At-fault accident - greater than $2000 | $1,424 |
Source: The Zebra
Westfield Insurance provides a generally smooth claims experience, with multiple reporting options and digital tools like mobile app submissions and e-signatures to simplify the process. Many customers appreciate the responsive service and clear communication, though some report occasional delays or difficulties with complex claims.
Beyond the standard coverage offerings you'd expect from any carrier— like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection—Westfield offers additional ways you can save money without compromising coverage.
Westfield Insurance delivers competitive rates and a variety of coverage options designed to fit the needs of its policyholders. The company generally handles routine claims efficiently, though complex claims can take longer to process, and customers may see premium increases following a claim.
Get quotes from Westfield and other top companies
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
Westfield enhances flood protection options for US homeowners. Reinsurance News
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
