Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
Lisa McArdle is an insurance editor who joined the Bankrate team in 2023. She has more than 15 years of experience writing, editing and managing content in a variety of industries, including insurance, auto news and pop culture.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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At a glance
3.8
Rating: 3.8 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4 stars out of 5
4.0
Cost & ratings
Rating: 4.2 stars out of 5
4.2
Coverage
Rating: 3.5 stars out of 5
3.5
Support
Rating: 4 stars out of 5
4.0
Home
Rating: 3.6 stars out of 5
3.6
Cost & ratings
Rating: 3.5 stars out of 5
3.5
Coverage
Rating: 3 stars out of 5
3.0
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
About Bankrate Score
Bankrate's take
Policyholders who live in Westfield's 10-state region and prefer inexpensive coverage and working with local agents may want to make the carrier their company of choice.
Wespak home and auto bundle automatically includes additional coverage types such as replacement cost and roadside assistance.
Not rated by J.D. Power, which makes gauging customer satisfaction difficult.
Offers a convenient online portal to request roadside assistance.
Low average rates for home and auto insurance.
Auto
Avg. annual premium for full coverage
$2,525
Avg. annual premium for min coverage
$450
Home
Avg. annual premium for $300k dwelling coverage
$1,119
Westfield car insurance review
Westfield car insurance could be a good option if you enjoy working with local agents. Westfield’s auto insurance product is fairly standard, with only a few add-on options advertised. In addition to standard coverage types, you may be able to add loan/lease coverage (sometimes called gap coverage), trip interruption coverage and replacement cost coverage.
During Bankrate’s Westfield Insurance review, we analyzed the company’s coverage offerings, discounts, availability, digital tools and third-party scores to assign it a Bankrate Score of 3.9 out of a possible 5.0. We don’t consider Westfield to be one of the best car insurance companies due to its limited offerings and 10-state availability, but it could be worth getting a Westfield car insurance quote if you want to work with a local agent. Its low average rates may make it an attractive option for those who are looking for affordable coverage.
Pros and cons of Westfield car insurance
While you’re comparing car insurance rates, you may also want to understand the non-price-related perks and drawbacks of the companies you’re considering. Here are some of Westfield car insurance’s pros and cons:
Pros
Can insure multiple types of vehicles on one policy
Has options to insure RVs and campers
Local agents available
Cons
Digital tools aren’t as robust as other carriers
No online quotes
Limited state availability
Westfield car insurance cost
The average annual cost of Westfield full coverage car insurance policies is $2,525, compared to the national average cost of car insurance, which is $2,685 for a full coverage policy. The average annual cost of a Westfield minimum coverage policy is $450, whereas nationally, minimum coverage costs $800 per year. If your goal is to find cheap car insurance, it can be helpful to shop around and get quotes from several companies.
How much is Westfield car insurance?
Your driving history factors into your car insurance rates in a big way. If you have incidents like tickets or at-fault accidents, you’ll likely pay a higher premium. Bankrate tracks driving history rates and has done so for several years, with the most serious moving violation commonly considered to be a DUI. As you can see from the chart, being convicted of a DUI is likely to increase your premium rate considerably. If you have a DUI and want a Westfield car insurance quote, you may need to inquire about eligibility with an agent.
In most states, your age also plays a significant role in your premium, with younger drivers paying more based on their lack of experience behind the wheel. If a young driver can stay on their parents’ policy, though, rates will generally be a bit more affordable. Rates usually decrease over time as long as you’re able to maintain a clean driving record. The rates in the tables below are for drivers with clean records.
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.
Car insurance rates vary significantly among providers, influenced by coverage options, company underwriting and individual driver profiles. Westfield Insurance tends to offer rates that are lower than the national average and remains competitive among major insurers, making it an attractive option for those seeking cost-effective coverage in the states it services.
When shopping for insurance, customer satisfaction is an important metric to consider for many drivers. J.D. Power scores are a reliable customer satisfaction metric, but Westfield is a smaller company, so it wasn’t rated in any studies. AM Best gives Westfield an A (Excellent) financial strength rating.
Westfield auto insurance customer complaints
The National Association of Insurance Commissioners (NAIC) is also a useful tool for gauging service levels. The NAIC Complaint Index measures the number of insurer complaints relative to its size, with 1.0 as the industry benchmark. Indexes above 1.0 indicate the carrier receives more complaints than expected for its product market share.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.9 to 2.42.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Westfield
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Westfield home insurance review
Westfield could be a good company if you want to bundle your auto and home insurance. The company’s Wespak offering for bundled policies includes some perks, like replacement cost coverage, that you usually have to add as endorsements. Westfield’s endorsements include equipment breakdown coverage and identity theft coverage. Additionally, Westfield also offers coverage options tailored to luxury homes, with programs called Wespak Estate and Estatepak.
These options are helpful, but aren’t all that unique, which is partly why Westfield isn’t one of our picks for best home insurance companies. The company is also only available in the same 10 states where auto insurance is sold, which kept it from obtaining a higher Bankrate Score, along with its lack of third-party reviews.
Pros and cons of Westfield homeowners insurance
Westfield home insurance might be right for some homeowners, but it’s not the right choice for everyone. It’s important to compare home insurance quotes, features, tools and more to make sure a company will work for you. Here are some perks and drawbacks to consider:
Pros
Options for high-value homes
Perks for bundling home and auto
Local agents to help you tailor your policy to your specific needs
Cons
Only available in 10 states
Fewer endorsements than other carriers
Limited digital tools
Westfield home insurance cost
Westfield home insurance policies cost an average of $1,119 for $300,000 in dwelling coverage, whereas the national average cost of home insurance is $2,267 for the same coverage level. Your rates will vary based on your unique rating factors, including how much coverage you need. Below, we compare Westfield’s average rates to the national average across a range of dwelling limits.
$150K dwelling
Westfield average premium
$784
National average premium
$1,370
$300K dwelling
Westfield average premium
$1,119
National average premium
$2,267
$350K dwelling
Westfield average premium
$1,221
National average premium
$2,534
$450K dwelling
Westfield average premium
$1,422
National average premium
$3,066
$750K dwelling
Westfield average premium
$2,016
National average premium
$4,399
Compare Westfield homeowners insurance rates
Carriers have different underwriting guidelines, so you'll see varied quotes depending on the company. On average, Westfield offers fairly low rates, which could be because many of the states in its 10-state region have fairly low average rates. Below you can see how Westfield's rates stack up against some of the largest carriers by market share.
Like its auto insurance product, Westfield's home insurance is not scored by J.D. Power, likely because it is a smaller company. However, speaking with existing policyholders could give you first-hand insights into the carrier's service and claims processes.
Westfield home insurance customer complaints
Westfield's NAIC Complaint Index has varied over recent years but sits at just above baseline as of 2023. An index above 1.00 indicates that the carrier receives more complaints about its home insurance product than expected based on its market share.
NAIC Complaint Index for home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.39 to 1.47.
End of interactive chart.
Westfield home insurance discounts
Homeowners shopping for cheap home insurance often turn to discounts as a way to lower their premiums. Westfield does not advertise specific home insurance discounts on its website, but instead offers preferred options when you bundle home and auto. If you’re interested in Westfield home insurance, you can work with an agent to learn what savings opportunities might be available to you.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Westfield
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Westfield with other insurers
After reading our Westfield Insurance review, you may be wondering what other companies you could consider for your insurance coverage. Here are some alternatives you might look into when you’re getting quotes:
Featured
Westfield
Rating: 3.8 stars out of 5
3.8
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Westfield may be a good choice for you if you are looking for cheap coverage and like to work with local agents rather than managing your policy digitally. However, the carrier is only available in a 10-state area, so it won't be an option for all shoppers. Those in the farming industry may also want to consider the company, which sells insurance for agribusiness.
State Farm is consistently one of the highest-rated insurance companies on the market. The company offers a network of local agents, a top-notch mobile app and a wide range of coverage options that are available nearly nationwide. However, while State Farm does offer farm coverage, it may not be as robust as Westfield’s. If you’re interested in a farm or agribusiness policy, Westfield might be the better fit.
If you’re a member of the U.S. military, a veteran or a qualifying family member, you may want to check out USAA, which offers certain features specifically tailored to military families. The company consistently earns high marks for customer satisfaction, although it doesn’t qualify for official ranking with J.D. Power. Because of USAA’s strict eligibility requirements, this won’t be an option if you aren't affiliated with the military, so you might still want quotes from Westfield and other companies.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Westfield a good insurance company?
Westfield might be a good insurance company for some consumers, but none of its products are particularly robust or unique. If you live in its 10-state personal insurance territory, you might want to get a quote to see if its rates and features align with your needs, but keep in mind that its digital tools are lacking and its auto service registers a high level of complaints.
What are real-life customers saying about Westfield?
To gain insights into Westfield Insurance's customer experiences, we looked at narratives from Reddit and Trustpilot. These platforms offer unfiltered feedback, revealing the company's performance in areas like customer support, claims resolution and policyholder contentment.
Reddit
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, underscoring a positive customer experience.
Reddit user 1
Jun 27, 2023
Been with Westfield for my home and auto for...
“Been with Westfield for my home and auto for about 5 years. Had one major home claim, no auto yet - they have been great. Price is reasonable, claim process was easy and they didn't fight me on anything.”
Trustpilot feedback on Westfield Insurance sheds light on the opposite side of the spectrum. Issues included unexpected bills post-cancellation and difficulties resolving these errors, leading to frustration and concerns over potential collections.
Trustpilot user 1
Sep 19, 2023
I had Westfield Insurance for my home…
Rating: 1 stars out of 5
“I had Westfield Insurance for my home for a few years. I never had to file a claim so I can't review that. I recently decided to cancel because their cost was going up each year. I notified the company before the due date on their website and the company managing the account on their website. I also followed up in writing that I was canceling. Received another bill a month later saying I owed for that month after the account was closed. I contacted customer service who apologized and said he would take care of it. Now two months later, I get another bill threatening collections. I am tired of being harassed! Contacting the company yet again.”
Westfield Group PO Box 9001566 Louisville, KY 40290-1566
Headquarters:
One Park Circle P.O.Box 5001 Westfield Center, OH 44251
State availability
Westfield’s personal insurance products are only available in 10 states: IL, IN, IA, KY, MI, MN OH, PA, TN and WV. Westfield’s business and surety products are more widely available.
Westfield tools and benefits
If you live in a state where Westfield writes policies, you may want to consider the company based on the following perks:
Agribusiness coverage: Westfield has a complete suite of agribusiness coverage types, including coverage for farming, wholesalers, processors and services.
Surety bonds: Westfield offers surety bonds in all 50 states. Surety bonds are financial products that oblige the purchaser to pay the principal in accordance with the bond’s terms.
Closing the Gap podcast: The first-ever podcast for insurance agents, Closing the Gap focuses on actionable tools that agents can use to overcome industry pain points.
Westfield PhotoQuote: The only mobile app that Westfield offers allows customers to take and submit photos for auto insurance claims. Unfortunately, it doesn’t provide any policy management tools.
Workers' compensation: If you are a business owner, you may be interested in using Westfield for your workers' comp coverage, which includes perks such a nurse triage program and a return to work program.
SizeUp Competitive Analysis Tool: Also for small business owners, Westfield offers a free tool to help assess the business, increase revenue and identify growth opportunities.
Efficiency First tool: Another tool for business owners, Efficiency First allows you to control and reduce energy costs and gain control over monthly bills.
Frequently asked questions about 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.
This Westfield Insurance review would not be complete without a discussion of the company’s social responsibility. Westfield runs Project SEARCH, a program that helps young adults with disabilities develop the skills they need to find employment in their communities. The company also operates employee resource groups for women, members of the LGBTQ+ community, people of color, persons with disabilities and more. Finally, Westfield partners with various nonprofits in the realms of safety, disaster recovery and family assistance.
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.
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.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
Commutes 5 days
Bodily injury liability
$100,000 per person
$300,000 per accident
Property damage liability
$50,000 per accident
Personal injury protection
$100,000 per accident
Uninsured motorist bodily injury
$100,000 per person
$300,000 per accident
Collision deductible
$500
Comprehensive deductible
$500
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Westfield
Westfield has 49 reviews
Dive into community reviews below and see what others think about Westfield.
4.1
49
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
80% of consumers recommend this insurer
Score breakdown
5 stars
39%
4 stars
41%
3 stars
18%
2 stars
0%
1 star
2%
Score by category
Overall rating4.1 / 5
Original cost3.6 / 5
Coverage4.2 / 5
Customer Support4.1 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Westfield.
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I was recommended to stay with them because my price will go up drastically if I change to another provider
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I went with a number of quotes and this was the one that provided a discount and the cost was reasonable
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have great customer service with their price range is a little on the heavier side, if they start increasing, I'm likely going to switch
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I choose this insurer because they were the cheapest
Insurance Type
Auto + Home
Score by category
Original cost3/ 5
Customer Support2/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Lower rates. And better prices and customer service
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They feel more reliable than others
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They make policy adjustments easy.
Insurance Type
Auto
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I switched because my old insurer was too expensive.
Insurance Type
Auto
Score by category
Original cost3/ 5
Customer Support4/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Their online tools make it easy manage my policy.
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They offer affordable coverage without cutting corners.
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