Shelter vs. Westfield Insurance

Which insurance provider is right for you? Compare rates, ratings, and quotes from Shelter and Westfield.

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Shelter vs. Westfield: What You Need to Know

Shelter Insurance company is a mutual insurance company that focuses on auto, property, business and life insurance. In, when the company was founded and called MFA Mutual Insurance Company. Its focus was to provide farmers access to reliable insurance protection at prices that they could afford.

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. Westfield Insurance 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 Shelter Overview and Westfield Overview.

Shelter vs. Westfield: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Shelter and Westfield. On average, Shelter charges approximately $214.72 per month while Westfield comes in at around $195.31 per month. For Shelter, the cheapest state average is Arkansas at $144.47 per month and the most expensive is Kentucky at $301.99 per month. For Westfield, the cheapest state average is Indiana at $100.99 per month and the most expensive is Michigan at $333.25 per month.

Shelter

Average Rate

$214.72
Westfield

Average Rate

$195.31
National

Average Rate

$117.77
State Shelter Westfield
Arkansas $144.47 -
Indiana- $100.99
Kansas $228.49 -
Kentucky $301.99 $139.30
Michigan- $333.25
Mississippi $174.91 -
Missouri $183.57 -
Nebraska $205.21 -
Ohio- $109.61
Oklahoma $176.17 -
Tennessee- $137.80
West Virginia- $140.06

Shelter 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 Shelter and Westfield typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Shelter Westfield
1 Vehicle $201.17 $181.01
2 Vehicles $271.06 $249.74

Shelter 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 Shelter charges $197.28 per month and Westfield charges $202.69 per month for customers who own their home.

Own/Rent Shelter Westfield
Own $197.28 $202.69
Rent $224.02 $190.73

What is Shelter and Westfield Insurance Rating?

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

ComparisonShelterWestfield
Year Founded19461864
A.M. Best RatingAA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Ratio0.36 (2013)9.62

Shelter or Westfield: Insurance Products Offered

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

InsuranceShelterWestfield
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Shelter or Westfield: Ways To Save

Westfield offers a wide range of discounts to its policyholders, including Companion Car, Company Car, and Defensive Driver discounts. In contrast, Shelter also offers a few discounts that Westfield doesn’t, including Window Identification System – Louisiana Residents, Safe Driver, and Pay in Full discounts. Start taking advantage of discounts offered by insurance providers like Westfield and Shelter insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

ShelterWestfield
Accident Prevention Course DiscountAccount Relationship Discount
Anti-Theft Discount - Kentucky and Illinois ResidentsCompanion Car Discount
Companion Life DiscountCompany Car Discount
Companion Policy DiscountDefensive Driver Discount
Driver Training Course DiscountFamily Discount
Good Student DiscountGood Student Discount
Military DiscountLoss-free Discount
Multi-car DiscountLoyalty Discount
Multi-coverage Discount - Nevada ResidentsMulti-Policy Discount
Passive Restraint DiscountNext Generation Discount
Pay in Full DiscountPrior Carrier Discount
Safe Driver Discount
Window Identification System Discount – Louisiana Residents

Pros & Cons of Shelter & Westfield

Pros

Shelter
  • Shelter Insurance offers personalized service through a network of more than 1,400 agents.
  • The company has a few customer's complaints, which indicates high satisfaction.
  • You can start your claims online or by phone.
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

Shelter
  • The company covers only 15 states. If you don’t live in the Midwest, you’ll need to look for another carrier.
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.

Shelter or Westfield Mobile Apps Options

The Shelter Insurance Mobile app is available for iOS and Android. With the app, you can access your ID cards, report a claim and upload photos, view coverages and policy details, obtain roadside assistance, get in touch with your agent and pay your bill by credit or debit card.

Shelter Mobile App
iOS     2.335 user reviews
Android     2.3240 user reviews
Westfield Mobile App
Westfield does not currently have a mobile app.

Shelter & Westfield Contact Info

Shelter Contact Info
Address1817 West Broadway - Columbia, MO 65218
Phone1-800-743-5837
Websitehttps://www.shelterinsurance.com/
Facebookhttps://www.facebook.com/ShelterInsurance/
Twitterhttps://twitter.com/Shelter_ins/
Linkedinhttps://www.linkedin.com/company/shelter-insurance-companies/
Youtubehttps://www.youtube.com/user/ShelterIns
Instagramhttps://www.instagram.com/shelter_ins/
Pinteresthttps://www.pinterest.com/shelterins/
Vimeohttps://vimeo.com/user48805731
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.

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