Updated: September 25, 2025
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Westfield Insurance earns 12th place for full coverage affordability and 2nd for minimum liability coverage with monthly rates of $108 and $31 respectively.
Westfield Insurance ranks 13th nationwide for customer satisfaction, falling behind competitors due to limited agent accessibility and mixed online reviews from policyholders.
Westfield Insurance takes 11th place for coverage variety, providing specialized options like accident forgiveness programs and new car replacement coverage for total losses.
Westfield Insurance ranks 12th overall nationally, placing it as a moderately strong choice among car insurance providers. The company stands out particularly in its affordability and coverage options, offering competitive rates and solid policy features.
This only represents a 40-year-old male driver with good credit and no driving violations and the company's ranking for you will depend on your profile and coverage needs.
| Overall Score | 4.46 | 12 |
| Customer Experience | 4.45 | 13 |
| Coverage | 2.92 | 11 |
| Affordability | 4.72 | 7 |
Westfield Insurance works best for drivers seeking affordable coverage, particularly young drivers, seniors, those with bad credit, and low-income households. However, drivers with a DUI or newer cars should consider other options, as Westfield's rates aren't as competitive for these profiles.
Below, you can compare how Westfield Insurance stacks up for your unique profile.
| Overall Score | 4.30 | 13 |
Westfield Insurance premiums vary widely based on your profile, ranging from $25 to $1,049 monthly. Your auto insurance costs depend on your age, gender, coverage level, credit score and driving record. We've analyzed national pricing across these categories to help you understand potential rates.
| $220 | $2,642 | -20% | 11 |
Young drivers will find Westfield Insurance among the cheapest car insurance companies available. Drivers with DUIs, bad credit or newer cars face much higher premiums with this insurer. Review how affordable Westfield Insurance is for your specific driving profile below.
| Adult Drivers | $26 | $97 | -28% | 7 |
| Drivers With A DUI | $71 | $233 | -5% | 19 |
| Drivers With An Accident | $40 | $136 | -27% | 7 |
| Drivers With A Speeding Ticket | $31 | $114 | -30% | 7 |
| Drivers With Bad Credit | $50 | $180 | -33% | 11 |
| Drivers With Low Income | $32 | $123 | -28% | 9 |
| Drivers With Newer Cars | $41 | $151 | -15% | 12 |
| Drivers With Old Cars | $23 | $85 | -28% | 7 |
| Senior Drivers | $43 | $117 | -24% | 7 |
| Young Drivers | $62 | $184 | -36% | 4 |
*All profiles are modified based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers represent ages 25 and under, Adults 26 to 64, and seniors 65 and older. Older vehicles change the vehicle age to 2007, and newer vehicles change it to 2025.
Westfield Insurance offers 17 car insurance discounts and savings depend on your personal risk profile and eligibility. Check out its offerings:
Multi-Policy/Bundle (WesPak) | Variable | Must have auto and home insurance combined into WesPak or WesPak Estate package | Available nationwide |
MissionSafe® Safe Driver | 10% immediate, up to 40% at renewal (avg 20%) | Enroll in usage-based insurance program with smartphone app tracking driving behavior | Available nationwide |
Good Student | Variable | Students with 3.0 GPA or higher | Available nationwide |
Defensive Driving Course | Up to 10% | Complete approved driver education/defensive driving course | Available nationwide |
Family Discount (Teen Driver) | Up to 15% | Teen drivers on policy | Available nationwide |
Loyalty Discount | Variable | Longtime Westfield customers (3+ years), discounts increase over time | Available nationwide |
Prior Carrier | Variable | Switch to Westfield after 3+ years with prior carrier and no claims | Available nationwide |
Advance Quote | Variable | Policy quoted in advance of effective date | Available nationwide |
Safety Equipment | Variable | Vehicles with anti-lock brakes and passive restraint systems | Available nationwide |
Anti-Theft Device | Variable | Vehicle has anti-theft device installed | Available nationwide |
Companion Car | Variable | Living with someone who has vehicle insured by Westfield | Available nationwide |
Company Car | Variable | Company car on policy | Available nationwide |
Next Generation | Variable | Drivers ages 22-29 previously on parent's Westfield policy | Available nationwide |
Preferred Payment | Variable | Pay for 6 months or full year up front | Available nationwide |
Resident Student | Variable | Students living more than 100 miles from where vehicle is kept | Available nationwide |
Senior Driver | Variable | Drivers 65+ who drive less than 3,000 miles per year | Available nationwide |
Account Relationship | Variable | Customers with qualified commercial insurance policy or surety bond through Westfield | Available nationwide |
Westfield Insurance ranked 13th in customer experience in MoneyGeek's comprehensive customer experience study. Customer reviews consistently highlight the company's responsive agent service and user-friendly digital tools, though claims processing generates more complaints than other areas. Below, we break down the buying, policy management and claims process experiences based on our research.
Customers often give Westfield’s car insurance buying process good marks, especially when working with independent agents. Many also mention that the company’s rates are lower than the national average and fairly priced for the coverage offered.
Some customers report issues with unresponsive brokers who "didn't fulfill their role in accommodating customer needs" during the auto insurance shopping process. The company's digital tools for car insurance are limited, offering only basic online functions and a simple PhotoQuote app for claim photos.
Customers can bundle car and home coverage through WesPak, yet some report rate increases when removing vehicles from their policies.
Experiences with Westfield’s policy management vary. Some customers report sudden premium increases during a term and frustration with policies being dropped after claims.
Multiple customers report unexpected auto insurance premium increases during policy periods, with some describing substantial rate hikes without explanation. Long-term auto insurance customers express particular frustration with non-renewal decisions, with one 30-year customer reporting their auto policy was not renewed after their teenage daughter had a single accident resulting in an $8,500 claim.
The customer stated it's "sad to see a company tout its 'A Rating' for economics instead of loyalty to its 30-year customers." Some customers also report confusion when removing vehicles from policies, experiencing unexpected rate increases rather than decreases.
Auto claims handling shows significant variation in customer experiences with Westfield Insurance. While the company offers 24/7 claims reporting and some customers receive prompt service, others face substantial problems with claim processing and coverage decisions.
Multiple customers describe issues with auto adjusters not following through on vehicle claims, with one noting "the Insurance Adjuster will not follow through on the claim" when parts couldn't be located for a brand-new car purchased just two months prior.
A particularly concerning case involved a customer whose mechanical damage from a highway accident was denied coverage because a body shop incorrectly diagnosed the issues, with the customer stating their car "will not go over 34 mph" after traveling at 70 mph when hit, yet Westfield denied coverage for mechanical repairs.
Complex auto claims involving multiple vehicles face extended delays, with the company requiring assessment of all damages before settling individual claims, leaving some customers without vehicles for months.
Westfield Insurance ranks well for financial strength from all industry rating agencies, but in J.D. Power studies, the company finishes average or below average in most areas. Here are Westfield Insurance's scores from industry agencies.
AM Best Financial Strength | A (Excellent) | A++ to D- | Excellent ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | a+ | aaa to d | Excellent credit quality with stable outlook |
S&P Global Financial Strength | Not Available | AAA to D | No public S&P rating available |
Moody's Financial Strength | Not Available | Aaa to C | No public Moody's rating available |
J.D. Power Auto Claims Satisfaction | Not Available | 1,000-point scale | Not included in national claims satisfaction studies |
J.D. Power Digital Service Experience | Not Available | 1,000-point scale | Not included in digital service studies |
J.D. Power Auto Insurance Shopping Study | Not Available | Out of 1,000 | Not included in shopping studies |
J.D. Power Overall Customer Satisfaction | Above Average | Out of 1,000 | Above average in overall customer satisfaction but not ranked |
NAIC Auto Complaints | 0.00 | 1.00 is average | Exceptionally few complaints relative to company size |
Reddit users and forum members appreciate Westfield Insurance's competitive auto rates and comprehensive coverage options. Many drivers value features like accident forgiveness and the simplicity of working with independent agents.
Common complaints include Westfield Insurance auto rate increases after claims, poor adjuster communication during accident claims, and lengthy auto claims processing times that can leave drivers without vehicles for weeks.
Here's what real customers are saying about their car insurance experiences on forums:
General thoughts on auto pricing are competitive initially, but long-term customers report frustration with unexplained rate increases over time:
"Westfield car insurance customers pay an average of $515 per year, which is less than the national average of $671 per year."
"I had car insurance for 50 years. I drive less, and as a senior, instead of receiving a discount, they kept raising rates. I drive a company vehicle and have put 0 miles on my vehicles. My agent said rates just go up. When I asked what went up, she said she didn't know."
Most customers report mixed experiences with Westfield's auto claims handling, with notable variations in settlement timeframes and adjuster responsiveness:
"I was involved in an accident, a tractor trailer tire came up and hit me while on the interstate. I filed a claim with my insurance, took my car to this body shop. I had both body work damage and mechanical damage. They told my insurance company that they thought my transmission fluid was low and its a high millage car, that basically the mechanical issues were a result of me not maintaining my vehicle."
"It's been a nightmare working with Westfield auto insurance these past few months. I got hit in September and only just now have gotten things totally resolved (January)! I was not at fault for the accident and was continually treated like I was - Westfield did not advocate for me AT ALL in this issue."
Agent service experiences vary widely, with communication delays and responsiveness being frequently cited issues among auto policyholders:
"Awful company. Some idiot hit me head on and totaled my car. He has this pathetic excuse for an insurance company. They rented me a car. Just got a call today the 26th from enterprise rental. They informed me that Westfield cut off payment on the 18th. I got nothing from Westfield in the meantime. No settlement, no check, no letter saying to piss off...nothing at all."
"TERRIBLE! They totaled my car and never told me! Auto graveyard called me - NOT THEM! Furious! [Redacted Name] never called me (returned my call or email) but I was notified by the car repair place that Copart was coming to pick up my car."
Westfield Insurance's auto insurance app and digital tools receive mixed reviews, with basic functionality working but limitations during complex situations:
"This is the least customer friendly company I have ever worked with. A 24 hour hour wait for a declaration page is crazy. It almost delayed the purchase of my vehicle until I cancelled and went somewhere else."
"There is no way to update your policy/get quotes online. The only way to do so is to wait on hold (my last two wait times were over 30 minutes)."
Trust in Westfield differs from one customer to another. Regulatory data points to mixed complaint records and some challenges with customer retention:
"We are being canceled by our insurance company, Westfield, due to 'too many incidents.' We have been faithful customers of this company for well over 10 years (closer to 15), having never submitted a homeowner's claim and, for many years, never submitting automobile insurance claims."
"Reddit users generally express satisfaction with Westfield Insurance, particularly praising its straightforward claims process and reasonable pricing for both home and auto insurance. They highlight the company's effectiveness in handling major home claims without unnecessary disputes."
Many customers like the range of coverage choices and discount programs, but some say the policy terms and settlement details can be confusing:
"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."
"In December 2020, my vehicle was struck in the rear by an individual insured through Westfield. More than a year later, I am still trying to obtain a fair settlement. I have provided receipts documenting the amount invested in the vehicle to restore it to its current condition."
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Westfield Insurance provides standard coverages like other top insurers, including liability, comprehensive and collision protection. The company's additional add-ons include:
Loan/Lease Gap Coverage | Pays the difference between your totaled vehicle payout and what you owe on your car loan or lease | Included free in WesPak bundles; covers the financial gap when you owe more than the car's actual cash value |
Roadside Assistance | 24/7 emergency roadside services including towing, tire replacement, fuel delivery, and jump-starts | Services provided by Agero®; includes Lyft ride voucher after towing; 60-90 minute response time; included free in WesPak Estate |
Replacement Cost Coverage | Pays the replacement cost of your totaled vehicle rather than actual cash value | Higher reimbursement as it doesn't account for depreciation; included in WesPak packages |
Extended Transportation Expense | Extended coverage for rental car expenses beyond standard limits | Included in WesPak packages; provides longer rental coverage period than typical policies |
MissionSafe Telematics | Usage-based program that tracks driving behavior and provides personalized insights | Up to 20% premium discounts for safe driving; great learning tool for first-time drivers; mobile app-based |
Identity Theft Coverage | Protection against the financial burden of identity theft with recovery assistance | Helps recover identity and recoup related losses; included in WesPak Estate packages |
Personal Cyber Protection | Coverage for cyberattacks and related costs like counseling, data recovery, and legal fees | Available as add-on; protects against digital threats and associated expenses |
Equipment Breakdown Coverage | Covers repair or replacement costs when equipment like washing machines or HVAC systems break down | Available in WesPak packages; extends beyond typical auto coverage to household equipment |
Personal Umbrella Insurance | Adds another layer of protection if you face a major claim | Available as add-on; provides additional liability protection beyond standard limits |
Here are other insurance types you can bundle with auto coverage or buy separately:
Who Offers It? | Insurance Products |
|---|---|
Westfield Insurance (Directly Offered) | Auto insurance, home insurance, renters insurance, condominium insurance, boat insurance, RV/camper insurance, business insurance, farm insurance, horse insurance |
Third-Party Partner | None specified |
Westfield Insurance excels in affordability, customer experience and coverage, making it a strong car insurance choice. It ranked 15th overall for full coverage and fourth for minimum coverage in our analysis.
However, we recommend you compare car insurance quotes, do your own research, and decide on coverage needs before buying.
Below are MoneyGeek's expert answers to frequently asked questions about Westfield Insurance car insurance:
Yes, Westfield Insurance is a legitimate car insurance company that earned our 12th overall rank in our car insurance provider study. The company particularly excels in affordability, ranking 7th in this category among all insurers we evaluated.
Westfield isn't the top option in any states, but it does earn a top three spot in West Virginia.
Westfield Insurance charges adults an average of $369 annually for minimum coverage and $1,257 for full coverage. Annual rates range from $296 to $4,346 for minimum and $1,003 to $10,963 for full coverage.
Some policyholders report that Westfield has denied claims for water damage, car accidents, and property losses. Customers also mention slow reviews and disagreements over how coverage is applied, but there’s little broad data available on the company’s overall claims record.
Note: This represents limited information based primarily on forum reviews.
Westfield Insurance offers mixed value for high-risk drivers. It ranks well for drivers with speeding tickets (5th overall) but poorly for those with DUIs (19th overall).
Yes, Westfield Insurance raises rates over time due to inflation driving up repair and medical costs, plus increased claims from distracted driving and severe weather. Rate adjustments also reflect updated risk assessments for your area, regulatory changes, and personal factors like credit score shifts, regardless of your driving record.
Yes, Westfield Insurance does increase rates over time like most insurers. However, Westfield remains an excellent choice for young drivers, ranking 4th nationally for overall affordability in this demographic.
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
