Westfield Auto and Home Insurance Review

Is Westfield a good company?

Westfield is a good company for basic home and auto insurance. Its home and auto rates are cheaper than average.

Westfield’s car insurance has an excellent satisfaction rating from J.D. Power 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 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 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

How much is car insurance from Westfield?

Westfield has cheap full-coverage car insurance at $1,375 a year, or $115 a month. This is 30% less than the national average ($175 a month) for full-coverage policies.

Westfield also has cheap liability car insurance at $516 a month, or $37 a month. This is 47% less than the average liability 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.

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.

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:

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 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 , 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:

However, Westfield does not offer some useful add-ons like:

Many other car insurance companies offer some or all of these features.

How much does Westfield charge for homeowners insurance?

Westfield offers affordable home insurance for $1,969 a year, or $164 a month. This makes it a cheaper option than most major companies. Its rates are 30% less than the national average ($2,801 a year).

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:

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 . 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.

Like most other companies, Westfield’s basic coverages include:

How to get insurance quotes from Westfield

Westfield is widely available through independent insurance agencies in these states:

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.