Westfield Car Insurance Rates vs. Competitors

Westfield scored well in Forbes Advisor’s evaluation of the best car insurance companies.

Westfield Car Insurance Cost Comparison for Good Drivers

Westfield has competitive rates for good drivers when compared to top auto insurers. Its rates for good drivers are a tad below the national average of $2,026 per year among the companies we evaluated.

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 Cost Comparison for Drivers With a Speeding Ticket

Westfield’s rates for drivers with a speeding ticket are in the middle of the pack. Westfield car insurance costs are about $200 cheaper than the national average cost of $2,533 per year for drivers with speeding tickets, based on Forbes Advisor’s analysis of large auto insurance companies.

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 Cost Comparison for Drivers Who Caused an Accident With 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 Cost Comparison 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 are over $1,200 a year 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 Cost Comparison for Drivers With Poor Credit

Westfield has relatively competitive auto insurance rates for drivers who have poor credit. The national average car insurance cost for drivers with poor credit is $3,847 per year.

Insurance companies see a connection between a person’s credit score and the likelihood they will have 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, which ban insurance companies from using credit history as a factor when determining auto insurance rates.

Company National average annual cost for drivers with poor credit
$2,051
$2,450
$2,482
$2,699
$3,221
Westfield
$3,403
$3,701
$4,531
$4,889
$7,961

*USAA is available only to the military, veterans and their families.

Westfield Car Insurance Cost Comparison for Adding a Teen Driver

Westfield’s cost to add a teen driver is high in comparison to 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 Cost Comparison for Young Drivers Ages 18 to 25

Westfield has competitive auto insurance rates for young drivers ages 18 to 25. Its average cost is about $273 a year cheaper than the national average of $3,113 per year, among the large insurers we evaluated.

Company National average annual cost for young drivers
$1,634
$1,941
$2,403
$2,408
$2,472
$2,635
Westfield
$2,840
$3,071
$3,263
$4,865

*USAA is available only to the military, veterans and their families.

Westfield Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80

Westfield car insurance rates for senior drivers 65 to 80 are on the high side. The national average is $2,150 per year based on our analysis of large insurers. Westfield’s car insurance costs for senior drivers come in about $120 above the national average.

Company National average annual cost for senior drivers
$1,402
$1,455
$1,668
$1,793
$1,831
$1,937
$2,009
Westfield
$2,269
$2,996
$3,199

*USAA is available only to the military, veterans and their families.

Auto Insurance Complaints Against Westfield

Westfield has a low level of auto insurance complaints compared to many large insurers, based on complaints made to state insurance departments across the country. Complaints about Westfield auto insurance are substantially below the industry average.

Westfield’s auto insurance complaints are related to unsatisfactory claim settlements, adjusters’ handling of claims and insurance subrogation.

Westfield has a low level of auto insurance complaints compared to Farmers, Geico and USAA.

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.

Does Westfield Offer Accident Forgiveness?

Yes, Westfield offers accident forgiveness car insurance in some states.

Accident forgiveness keeps your car insurance costs from increasing after an at-fault auto accident.

Does Westfield Offer New Car Replacement?

Yes, Westfield offers new car replacement insurance under the name of replacement cost coverage. This optional coverage pays you the cost to replace a new vehicle with the newest comparable model year vehicle if yours is totaled due to an event covered by your collision or comprehensive coverage, such as an auto accident or car fire.

The terms of Westfield’s replacement cost coverage can vary by state but it typically only covers a new car for the first year or two. New car replacement insurance may be offered as supplemental coverage or as part of Westfield’s Wespak and Wespak Estate packages. These packages are available if you insure your cars and home with Westfield.

Does Westfield Offer Gap Insurance?

Yes, Westfield sells gap insurance under the name of loan/lease coverage. Gap insurance pays the difference between the value of your vehicle and the amount you still owe on a car loan or lease if it’s totaled.

Gap insurance is an optional coverage you may want if you owe more than the vehicle’s value. If you choose the Wespak or Wespak Estate coverage package, loan/lease coverage is included with collision and comprehensive coverage.

Does Westfield Offer Diminishing Deductible?

No. Westfield doesn’t offer a diminishing deductible. Some car insurance companies offer a feature that reduces your collision and comprehensive deductibles go down over time if you don’t cause accidents or receive tickets for a period of time.

Does Westfield Offer SR-22s?

No. 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.

The state will notify you if you’re required to have your insurance company file an SR-22. Drivers needing an SR-22 typically have a conviction for a serious offense, such as a DUI or driving without insurance.

Does Westfield Offer Usage-Based Insurance?

Yes, Westfield offers usage-based auto insurance with its MissionSafe safe driving program. Using an app you download to your smartphone, MissionSafe tracks your driving behavior and provides feedback. It is not currently available in Michigan.

There is an enrollment discount of 10%. If you earn an excellent driving score, you can receive up to a 40% discount at renewal, but Westfield says the average expected discount is 20%. MissionSafe users also earn points for safe driving and redeem the points for gift cards, gas vouchers and charitable donation rewards.

Westfield’s MissionSafe collects data on:

  • Acceleration
  • Braking
  • Phone use
  • Physical location
  • Speed
  • Time of trips

Driving actions like speeding, hard acceleration, hard braking and harsh cornering can bring down your safe driving score, as will using your phone while driving.

Does Westfield Offer Pay-Per-Mile Insurance?

No, Westfield doesn’t offer a pay-per-mile car insurance option. Insurance companies that provide pay-per-mile car insurance partially calculate your rates based on how many miles you drive each month.

Does Westfield Offer Rideshare Insurance?

No, 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.

Additional Westfield Car Insurance Options

Agreed Value Coverage

Your car valuation is used when insurance companies determine certain types of claim payouts. With agreed value insurance, if your car is totaled you’ll be compensated an amount you agreed on at the beginning of your policy. Typically, you would ask for agreed value coverage if you have an antique, classic or specialty vehicle.

Custom Equipment Coverage

Westfield offers custom equipment insurance for items you have installed in a van or pickup truck by a conversion company.

Excess Electronic Equipment Coverage

Westfield’s excess electronic equipment coverage pays for damage to permanently installed electronic equipment that is harmed in an auto accident or other problem covered by your collision and comprehensive coverage, like a fire. Radios, stereos, citizen band radios and navigation systems are covered. Coverage also extends to discs, tapes, records and other media if they’re damaged in your vehicle.

Named Non-Owner Car Insurance

Non-owner car insurance is beneficial to drivers who don’t own a car but rent or borrow other’s vehicles. Westfield also offers extended non-owned liability that can help fill gaps in coverage when regularly using a car owned by others.

Original parts replacement parts coverage

You can add original equipment manufacturer (OEM) parts replacement coverage to Westfield collision and comprehensive insurance. WIth OEM parts replacement coverage, Westfield agrees to use new OEM parts when repairing your vehicle for a collision or comprehensive insurance claim.

Pet Injury Coverage

Westfield offers pet injury coverage as part of its Wespak Estate package. It provides limited coverage for injuries your pet sustains in an auto accident.

Roadside Assistance Coverage

Roadside assistance coverage from Westfield provides towing, flat tire changes, lock-out service, battery jump-starts, water, fuel or oil delivery, on-site labor and roadside winching.

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 that are 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 if 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: New car replacement coverage will reimburse 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.

If you want to upgrade your home insurance coverage further, Westfield offers Wespak Estate. Extra coverage included in a Wespak Estate policy includes guaranteed replacement cost coverage for your house, sewer backup coverage, mold coverage and equipment breakdown coverage.

Westfield Auto Insurance Discounts

Westfield offers a number of car insurance discounts that can help you save on car insurance.

  • Anti-theft devices: You may receive a discount if your car has an alarm, vehicle recovery system or other approved anti-theft device.
  • Companion: When you buy your own Westfield car insurance policy and someone in your household already has an auto policy with Westfield, you can save with the companion car discount.
  • Defensive driving: You may be eligible for a discount if you’ve completed an approved course to improve your driving skills within the last 36 months.
  • Family: Discount for a driver age 18 or under when the household’s auto insurance policy has been in effect for three years and you have Wespak or multiple policies from Westfield.
  • Good student: You could be eligible for a discount if you have a full-time high school or college student age 24 or under with good grades (3.0 GPA, dean’s list, honor roll or top 20% of class).
  • Loyalty: For customers who have been with Westfield for a specific amount of time, typically over three years without a lapse.
  • Multi-policy: You’ll receive a discount if you bundle auto and home insurance with Westfield.
  • Next generation: You’re eligible for a discount if you’re age 22 to 29 and buy your own Westfield car insurance policy and your parents have had a Westfield car insurance policy for at least one year.
  • Preferred payment: This discount is for paying semi-annually or annually for your auto insurance policy.
  • Prior coverage: You may receive a discount if you’ve continuously had an auto insurance policy with a previous car insurance company for at least three consecutive years.
  • Resident student (“student away at school” discount): You may receive a discount if an unmarried student on your policy is away at an educational institution over 100 miles from home and doesn’t have a car with them at school.
  • Safety equipment: You can save if your car has certain factory-installed safety features, such as anti-lock brakes.
  • Senior driver: Drivers age 65 or older who drive less than 3,000 miles per year may receive a discount.

About Westfield Insurance

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 is a regional insurance company that is available to consumers in 10 states in the upper Midwest.

Westfield doesn’t have a mobile app but does have an online dashboard called MyWestfield. Here customers can log in to file claims, check on a claim’s status, find their car insurance ID cards, see policy details and review bills.

What States Does Westfield Car Insurance Operate In?

Westfield offers personal auto insurance in these 10 states:

  • Indiana
  • Illinois
  • Iowa
  • Kentucky
  • Ohio
  • Michigan
  • Minnesota
  • Pennsylvania
  • Tennessee
  • West Virginia

Other Types of Insurance 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:

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 the companies that operate 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 1,000 collision repair professionals to gauge auto insurers on the quality of their collision claims service.