Westfield Car Insurance Review 2024

Westfield Car Insurance Review

Westfield Car Insurance Review If you reside in one of the 10 states where Westfield operates, it is worth considering their car insurance rates. Westfield provides competitive costs for different types of drivers and also offers a range of discounts. Furthermore, the company has a remarkably low number of complaints.

Are you in the market for car insurance? Look no further than Westfield Car Insurance. With their comprehensive coverage options and exceptional customer service, Westfield has quickly become a trusted name in the insurance industry. In this review, we’ll take a closer look at what sets Westfield apart from other insurers and why they may be the perfect fit for your auto insurance needs. From their competitive rates to their hassle-free claims process, we’ll cover it all. So buckle up and get ready to discover why Westfield Car Insurance is a top choice for drivers in 2024.

Outlines Of Guide

Westfield Car Insurance Full Review 2024

As of 2024, Westfield Car Insurance continues to be a popular choice among car owners for their insurance needs. With a range of coverage options and competitive rates, Westfield offers peace of mind to drivers by providing reliable protection in the event of an accident or damage to their vehicle. Customers appreciate the company’s responsive customer service and efficient claims process, making it easy to navigate through any unfortunate situations that may arise on the road. Whether you’re a new driver or have years of experience behind the wheel, Westfield Car Insurance is worth considering for your auto insurance needs.

Westfield Car Insurance Pros And Cons

When considering Westfield car insurance, it is important to weigh the pros and cons to make an informed decision. One of the main advantages of Westfield car insurance is their reputation for excellent customer service. They are known for their quick response times and willingness to assist customers with any questions or concerns they may have. Additionally, Westfield offers a variety of coverage options to suit different needs and budgets. On the downside, some customers have reported higher premiums compared to other insurance providers. It is recommended to compare quotes from multiple insurers to ensure you are getting the best rate. Overall, Westfield car insurance can be a reliable option for those seeking quality coverage and exceptional customer service.

Pros

  • Offers a variety of family discounts, including a discount for teen drivers in your household and adult children obtaining their own Westfield car insurance policies.
  • Offers optional coverage of gap insurance, new car replacement and accident forgiveness.
  • Westfield earned a good grade (B) from repair professionals on its collision claims process.

Cons

  • Has the highest average car insurance rate for drivers with a DUI among the companies we analyzed.
  • Unable to get a quote online at Westfield’s website.
  • Westfield is only available in 10 states, mainly in the upper Midwest.

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.

Westfield Car Insurance Rates vs. Competitors

Westfield Car Insurance Cost Comparison for Good Drivers

In comparison to other leading auto insurance companies, Westfield offers competitive rates for safe drivers. The rates for good drivers provided by Westfield are slightly lower than the national average of $2,026 per year, based on our evaluation of various companies.

Company National average annual cost for good drivers
USAA $1,364
Nationwide $1,436
Travelers $1,521
Geico $1,597
Erie $1,642
Progressive $1,826
Westfield $1,984
State Farm $2,025
Allstate $2,896
Farmers $3,093

Westfield Car Insurance Cost Comparison for Drivers With a Speeding Ticket

Westfield’s rates for drivers who have received a speeding ticket fall within the average range. According to Forbes Advisor’s analysis of major auto insurance companies, Westfield’s car insurance costs are approximately $200 less than the national average of $2,533 per year for drivers with speeding tickets.

Company National average annual cost for drivers with a speeding ticket
USAA $1,661
Nationwide $1,878
Erie $1,899
Travelers $2,062
Geico $2,150
State Farm $2,270
Westfield $2,335
Progressive $2,350
Allstate $3,312
Farmers $3,951

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
USAA $1,958
Erie $2,224
Travelers $2,293
Nationwide $2,337
State Farm $2,428
Geico $2,748
Progressive $2,770
Westfield $2,901
Farmers $4,412
Allstate $4,545

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
Progressive $2,307
USAA $2,604
Travelers $2,610
Erie $2,665
State Farm $2,716
Nationwide $3,083
Geico $3,723
Farmers $4,272
Allstate $4,315
Westfield $4,577

Westfield Car Insurance Cost Comparison for Drivers With Poor Credit

Westfield offers auto insurance rates that are reasonably competitive for individuals with poor credit. On a national level, drivers with poor credit typically pay an average of $3,847 per year for car insurance. Insurance companies establish a connection between a person’s credit score and their potential for making insurance claims in the future. As a result of this correlation, individuals with bad credit tend to pay higher insurance rates, except in California, Hawaii, Massachusetts, and Michigan. These states have regulations that prohibit insurance companies from considering credit history as a factor when determining auto insurance rates.

Company National average annual cost for drivers with poor credit
Nationwide $2,051
USAA $2,450
Geico $2,482
Travelers $2,699
Progressive $3,221
Westfield $3,403
Erie $3,701
Allstate $4,531
Farmers $4,889
State Farm $7,961

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
Nationwide $893
Erie $1,606
Farmers $1,900
Geico $1,982
Progressive $2,062
USAA $2,466
State Farm $2,622
Allstate $2,643
Travelers $2,728
Westfield $3,415

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
Travelers $1,634
Erie $1,941
USAA $2,403
Geico $2,408
Nationwide $2,472
Progressive $2,635
Westfield $2,840
Farmers $3,071
State Farm $3,263
Allstate $4,865

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
Nationwide $1,402
USAA $1,455
Travelers $1,668
Geico $1,793
Erie $1,831
Progressive $1,937
State Farm $2,009
Westfield $2,269
Allstate $2,996
Farmers $3,199

Auto Insurance Complaints Against Westfield

Based on complaints made to state insurance departments across the country, Westfield has a significantly lower number of auto insurance complaints compared to numerous large insurers. The number of complaints regarding Westfield auto insurance is considerably below the average for the industry.

Westfield’s Grade from Collision Repair Professionals: B

According to a survey conducted by CRASH Network, Westfield received a B grade from collision repair professionals. These professionals have valuable knowledge regarding insurers’ support for proper repair procedures, the use of lower-quality repair parts by insurance companies, and the efficiency of car insurance claim processes for customers.

Does Westfield Offer Accident Forgiveness?

Indeed, Westfield provides accident forgiveness car insurance in certain states. This feature ensures that your car insurance premiums will not rise following an at-fault auto accident.

Does Westfield Offer New Car Replacement?

Westfield provides replacement cost coverage, also known as new car replacement insurance. This optional coverage will reimburse you for the expense of replacing your totaled vehicle with the latest comparable model if it is damaged in an event covered by your collision or comprehensive coverage, such as a car accident or fire. The specific terms of Westfield’s replacement cost coverage may differ depending on the state, but generally, it only applies to new cars for the first year or two. You can obtain new car replacement insurance as additional coverage or as part of Westfield’s Wespak and Wespak Estate packages. These packages are available to those who insure both their vehicles and homes with Westfield.

Does Westfield Offer Gap Insurance?

Westfield offers gap insurance, which is known as loan/lease coverage. This type of insurance covers the discrepancy between the value of your vehicle and the remaining amount on your car loan or lease in case of a total loss. If you have a higher outstanding balance on your vehicle than its actual worth, gap insurance can be a valuable option. If you select the Wespak or Wespak Estate coverage package, loan/lease coverage is automatically included along with collision and comprehensive coverage.

Does Westfield Offer Diminishing Deductible?

Unfortunately, Westfield does not provide a diminishing deductible. However, certain car insurance companies do offer a feature where your collision and comprehensive deductibles decrease gradually over time if you maintain a clean driving record without any accidents or traffic violations for a specific duration.

Does Westfield Offer SR-22s?

Unfortunately, Westfield does not provide SR-22 insurance. An SR-22 is a certificate that some states may require as proof of having the necessary car insurance coverage. If you are required to have an SR-22, the state will inform you and ask your insurance company to file it. Typically, drivers who need an SR-22 have been convicted of a serious offense like a DUI or driving without insurance.

Does Westfield Offer Usage-Based Insurance?

Indeed, Westfield provides usage-based auto insurance through its MissionSafe safe driving program. By downloading an app onto your smartphone, MissionSafe is able to monitor your driving habits and offer feedback. However, it should be noted that this program is not currently accessible in Michigan. Moreover, Westfield offers a 10% discount for those who enroll in the program. If you achieve an exceptional driving score, you have the opportunity to receive a renewal discount of up to 40%. Nevertheless, Westfield states that the average anticipated discount is 20%. In addition to these benefits, MissionSafe users are able to accumulate points for safe driving and then redeem them for various rewards such as gift cards, gas vouchers, and charitable donations.

Westfield’s MissionSafe collects data on:

  1. Acceleration
  2. Braking
  3. Phone use
  4. Physical location
  5. Speed
  6. Time of trips

Engaging in behaviors such as exceeding the speed limit, rapidly accelerating or decelerating, taking sharp turns, and using your phone while driving can have a negative impact on your safe driving score.

Does Westfield Offer Pay-Per-Mile Insurance?

Yes, Westfield does not provide the option for pay-per-mile car insurance. Insurance companies that offer this type of insurance calculate your rates by taking into account the number of miles you drive per month.

Does Westfield Offer Rideshare Insurance?

Unfortunately, Westfield does not provide rideshare insurance. Therefore, individuals who are employed by Uber or Lyft might require rideshare insurance in order to bridge any gaps in coverage that may arise between their personal auto insurance and the insurance policies offered by the rideshare companies.

Additional Westfield Car Insurance Options

Agreed Value Coverage

The car valuation plays a crucial role in insurance companies’ calculations for specific claim payouts. In the case of agreed value insurance, you will receive compensation for the total loss of your car based on a predetermined amount that was agreed upon when you first took out the policy. Generally, individuals with antique, classic, or specialty vehicles opt for agreed value coverage.

Custom Equipment Coverage

Westfield provides specialized insurance coverage for equipment that has been installed in a van or pickup truck by a conversion company.

Excess Electronic Equipment Coverage

Westfield’s coverage for excess electronic equipment provides financial compensation for any harm caused to permanently installed electronic devices in the event of an auto accident or other incidents covered by your collision and comprehensive coverage, such as a fire. This includes radios, stereos, citizen band radios, and navigation systems. Moreover, if your vehicle sustains damage that results in harm to discs, tapes, records, or other media, this coverage also applies.

Named Non-Owner Car Insurance

Drivers who do not own a car but frequently rent or borrow vehicles can benefit from non-owner car insurance. Westfield also provides extended non-owned liability coverage, which can be useful in ensuring that any gaps in coverage are filled when using someone else’s vehicle on a regular basis.

Original parts replacement parts coverage

Westfield collision and comprehensive insurance offer the option to include coverage for replacing original equipment manufacturer (OEM) parts. By selecting OEM parts replacement coverage, Westfield commits to utilizing brand-new OEM parts for repairing your vehicle in the event of a collision or comprehensive insurance claim.

Pet Injury Coverage

Included in the Wespak Estate package from Westfield is pet injury coverage, which offers a specified amount of protection for any injuries your pet may incur as a result of an automobile accident.

Roadside Assistance Coverage

Westfield offers roadside assistance coverage that includes a range of services such as towing, tire changes for flat tires, lock-out service, battery jump-starts, delivery of water, fuel or oil, on-site labor and roadside winching.

Wespak Auto Insurance Package

Westfield’s Wespak package combines your car and home insurance coverage into a single policy, with one bill and a shared deductible. This is beneficial in cases where an event like a fire causes damage to both your vehicle and residence. Additionally, Wespak offers preferred coverage options within the package price, such as:

  1. Contents coverage: Covers up to $500 for certain personal belongings in your car that are damaged due to an auto accident.
  2. 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.
  3. Extended transportation expenses: Offers rental reimbursement coverage which covers the cost of renting a car while your vehicle is being repaired as a result of an accident.
  4. Extra perks: Receive extras for your homeowners insurance, such as higher limits on certain personal items and additional coverage, like debris removal.
  5. 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.
  6. Locksmith service: Reimburses up to $150 for a locksmith if you’ve been locked out of your car.
  7. 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.
  8. 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.

Westfield Auto Insurance Discounts

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

  1. Anti-theft devices: You may receive a discount if your car has an alarm, vehicle recovery system or other approved anti-theft device.
  2. 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.
  3. 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.
  4. 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.
  5. 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).
  6. Loyalty: For customers who have been with Westfield for a specific amount of time, typically over three years without a lapse.
  7. Multi-policy: You’ll receive a discount if you bundle auto and home insurance with Westfield.
  8. 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.
  9. Preferred payment: This discount is for paying semi-annually or annually for your auto insurance policy.
  10. 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.
  11. 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.
  12. Safety equipment: You can save if your car has certain factory-installed safety features, such as anti-lock brakes.
  13. Senior driver: Drivers age 65 or older who drive less than 3,000 miles per year may receive a discount.

What States Does Westfield Car Insurance Operate In?

Westfield offers personal auto insurance in these 10 states:

  1. Indiana
  2. Illinois
  3. Iowa
  4. Kentucky
  5. Ohio
  6. Michigan
  7. Minnesota
  8. Pennsylvania
  9. Tennessee
  10. West Virginia

Methodology

In order to determine the top car insurance companies, we assessed each company by considering their average rates for different types of drivers, the range of coverage options provided, any complaints filed against the company, and the collision repair ratings given by professionals in the auto body industry.

Westfield Car Insurance Review

Auto insurance rates (50% of score)

Using data provided by Quadrant Information Services, we analyzed the average rates offered by each company for various types of drivers. These categories include good drivers, drivers with a history of accidents, drivers with speeding tickets, drivers with a DUI, drivers with poor credit, drivers caught without insurance, adding a teen driver to the policy, senior drivers, and young drivers. It is important to note that unless specified otherwise, the rates mentioned in this analysis are based on a 40-year-old female driver who owns a Toyota RAV4 and has coverage for:

  • $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)

Every auto insurance company has the ability to offer the fundamental aspects of liability insurance, collision and comprehensive coverage, and other customary services. Nonetheless, it is equally crucial to have access to supplementary types of coverage that can provide enhanced protection or potential cost savings. In this specific category, we awarded points to companies that provide accident forgiveness, new car replacement, deductibles that decrease over time, insurance based on usage or mileage, and SR-22s.

Complaints (20% of score)

The complaint data used in this analysis was obtained from the National Association of Insurance Commissioners. It is the responsibility of each state’s department of insurance to record and track complaints against insurance companies operating within their respective states. The majority of auto insurance complaints revolve around claims, particularly regarding inadequate settlements, delays, and rejections. The average complaint ratio for the industry is 1.00, indicating that companies with ratios below 1.00 experience fewer levels of complaints.

Collision repair (5% of score)

We utilized ratings of insurance companies from professionals in the collision repair industry. The data we relied on was provided by CRASH Network, a weekly newsletter that focuses on the collision repair and auto insurance markets. The Insurer Report Card, published by CRASH Network, assessed auto insurers based on feedback from over 1,000 collision repair professionals in order to evaluate the quality of their collision claims service.

Faqs 2024 Westfield Car Insurance Review

What is am best rating for Westfield insurance?

Since 1934, Westfield has rated “A” (Excellent) or higher for financial strength by A.M. Best, a rating organization that focuses on the insurance industry.

How long has Westfield insurance been around?

In 1848, a small group of hard-working farmers joined together to form an insurance company to protect their property.

What are the core values of Westfield insurance?

This is Us Watch what happens when a group of fed-up farmers comes together to form an insurance company founded on integrity, trust, knowledge, respect and stewardship. It’s as true today as it was in 1848. From Ed, our CEO When tried and true meets fresh thinking, something amazing happens, and we call it Westfield.

What is the revenue of Westfield?

According to Unibail-Rodamco-Westfield’s latest financial reports the company’s current revenue (TTM) is $3.21 B. In 2022 the company made a revenue of $3.21 B an increase over the years 2021 revenue that were of $2.85 B.

What is the phone number for Westfield insurance claims?

For all other claims, immediately contact Westfield’s 24/7 claims response line at 800.243. 0210 (option 3). When you call, have this information handy: Your policy number.

How do I file a claim with Westfield?

  • To report a claim to Westfield, you can:
  • Call 1-800-243-0210 and choose option “3” for claims
  • From there, use option “1” for roadside assistance
  • Use option “2” and then selection “1” for glass-only auto claims
  • Use option “2” then selection “2” for all other claims
  • You can also call 1-877-787-9078 for roadside assistance or 1-800-810-3665. Your Westfield agent may also be able to help you file a claim. Once your claim is filed, a Westfield representative will reach out to you and let you know the next steps.

Is American Select Insurance the same as Westfield Insurance?

American Select Insurance is a subsidiary of Westfield Insurance, which is a part of the Westfield Group. Westfield Insurance is a larger insurance company that provides various insurance products and services, including commercial and personal lines insurance. American Select Insurance, on the other hand, may focus on specific lines of business or markets within the Westfield Insurance Group.

What company owns Westfield Insurance?

Westfield Insurance is a subsidiary of Westfield Group, which provides business property and liability insurance as well as personal insurance. Westfield was founded in 1848 as the Ohio Farmers Insurance Company, and originally existed to provide coverage for farms in the region. Westfield Group owns a number of smaller companies including Westfield Insurance, American Select Insurance, Old Guard Insurance and Westfield Premier Insurance.

Summary

When it comes to car insurance, Westfield Insurance has proven to be a reliable and trustworthy option for many drivers. With its comprehensive coverage options, competitive rates, and excellent customer service, Westfield Insurance offers peace of mind and financial protection in the event of an accident or other unforeseen circumstances. Whether you’re a new driver or have years of experience on the road, Westfield Insurance can provide you with the coverage you need to drive with confidence. Consider exploring Westfield Insurance for your car insurance needs and experience their top-notch service firsthand.

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