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Cincinnati vs. Westfield Insurance

Which insurance carrier is right for you? Compare ratings, discounts, and quotes from Cincinnati and Westfield.

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Cincinnati vs. Westfield: What You Need to Know

With an A+ rating from the BBB, Cincinnati Insurance Company has been serving its customers since 1950. The Cincinnati Insurance company was founded in 1950 by four independent agents, two of whom were brothers, John Jack Schiff and Robert Cleveland Schiff. The company operates in 13states through nearly 1,000 selected independent agencies.

Headquartered in Westfield Center, Ohio, Westfield Insurance has been in business for nearly 170 years and is ranked amongst the 50 largest property and casualty insurers in the country. Over 900 independent insurance agencies represent Westfield insurance across the country. WestfieldInsurance provides commercial insurance in 21 states and personal insurance in 10. They also offer surety services in all 50 states. In 2014, the company was named as a Top Workplace in Northeast Ohio. In 2015, it was named Top Workplace in central Ohio. Westfield Services provides service and training support for independent insurance agencies. Westfield Bank is a subsidiary of Westfield Insurance and offers services to businesses and individuals.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Cincinnati Insurance Overview and Westfield Overview.

Cincinnati Insurance vs. Westfield: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Cincinnati Insurance and Westfield. On average, Cincinnati Insurance charges approximately $224.48 per month while Westfield comes in at around $208.26 per month. For Cincinnati Insurance, the cheapest state average is Tennessee at $197.19 per month and the most expensive is Tennessee at $197.19 per month. For Westfield, the cheapest state average is Tennessee at $169.40 per month and the most expensive is Michigan at $210.69 per month.

Cincinnati Insurance

Average Rate

$224.48
Westfield

Average Rate

$208.26
National

Average Rate

$133.56
State Cincinnati Insurance Westfield
Michigan- $210.69
Tennessee $197.19 $169.40

Cincinnati Insurance vs. Westfield: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Cincinnati Insurance and Westfield typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Cincinnati Insurance Westfield
1 Vehicle $229.97 $200.92
2 Vehicles $ $325.46

Cincinnati Insurance vs. Westfield: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Cincinnati Insurance charges $156.20 per month and Westfield charges $212.71 per month for customers who own their home.

Own/Rent Cincinnati Insurance Westfield
Own $156.20 $212.71
Rent $253.75 $206.91

What is Cincinnati and Westfield Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Cincinnati and Westfield ranked among the industry ratings.

ComparisonCincinnatiWestfield
Year Founded19501864
BBB RatingA+A+
Financial StrengthExcellentExcellent
Moody's RatingA1
NAIC Complaint Index0.22
NAIC Complaint Ratio9.62
S&P RatingA+

Cincinnati or Westfield: Insurance Products Offered

What coverage is available through Cincinnati and Westfield? Both insurance companies offer Auto and Home insurance. Additional products from Cincinnati insurance also includes Life, Motorcycle, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Cincinnati Insurance and Westfield Insurance page.

InsuranceCincinnatiWestfield
Auto Insurance✔✔
Home Insurance✔✔
Life Insurance✔
Motorcycle Insurance✔
RV Insurance✔
Umbrella Insurance✔

Cincinnati or Westfield: Ways To Save

Cincinnati offers a wide range of discounts to its policyholders, including Good Student, Healthy Living (Life Insurance), and High Deductible discounts. Westfield also offers a few discounts that Cincinnati doesn’t including Prior Carrier, Next Generation, and Loyalty discounts. Start taking advantage of discounts offered by insurance providers like Westfield and Cincinnati insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

CincinnatiWestfield
Good Claim History DiscountAccount Relationship Discount
Good Student DiscountCompanion Car Discount
Healthy Living Discount (Life Insurance)Company Car Discount
High Deductible DiscountDefensive Driver Discount
Multi-car Policy DiscountFamily Discount
Multi-policy DiscountGood Student Discount
New Home DiscountLoss-free Discount
Safety Equipment Discount (Auto, Home, Business)Loyalty Discount
Safety Features DiscountMulti-Policy Discount
Next Generation Discount
Prior Carrier Discount

Pros & Cons of Cincinnati & Westfield

Pros

Cincinnati
  • Cincinnati Insurance Company is dedicated to superior customer service.
  • Cincinnati has the highest ratings for financial strength.
  • For antique or collector car owners whose cars are less than 25 years old, Cincinnati Insurance is the best of very few options out there.
Westfield
  • The company boasts more than $4.9 billion in consolidated assets
  • The company is one of the top 50 largest insurers in the country
  • Westfield Insurance has been in business for over 170 years.

Cons

Cincinnati
  • Cincinnati Insurance Company only operates in 13 states.
Westfield
  • A high number of complaints by consumers.
  • Car insurance is only available in ten states: Minnesota, Wisconsin, Ohio, Iowa, Illinois, Indiana, Pennsylvania, West Virginia, Kentucky, and Tennessee.

Cincinnati or Westfield Mobile Apps Options

The Cincinnati Insurance Mobile app is available for android and iPhones and iPads. This insurance tool is where you can manage payments, view auto policy information, download ID cards, submit glass claims, request roadside services and more.

Cincinnati Mobile App
iOS     4.65 user reviews
Android     3.111 user reviews
Westfield Mobile App
Westfield does not currently have a mobile app.

Cincinnati & Westfield Contact Info

Cincinnati Contact Info
Address600 S. Gilmore Road, Fairfield, OH 45014-5141
Phone(888) 242-8811
Websitehttps://www.cinfin.com/
Facebookhttps://www.facebook.com/CincinnatiInsurance/
Youtubehttps://www.youtube.com/channel/UCrqm2BGqGoKndbr6D8oRlcg
Linkedinhttps://www.linkedin.com/company/the-cincinnati-insurance-companies/
Westfield Contact Info
AddressOne Park Circle, Westfield Center, OH 44251
Phone1 (800) 243-0210
Websitehttps://www.westfieldinsurance.com/
Facebookhttps://www.facebook.com/Westfield1848/
Linkedinhttps://www.linkedin.com/company/westfield1848
Youtubehttps://www.youtube.com/watch?v=b2rW8nBValk

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

About the Author
Fran Majidi
Fran Majidi
Insurance Expert

Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.

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