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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 $212.98 per month while Westfield comes in at around $209.39 per month. For Shelter, the cheapest state average is at $0.00 per month and the most expensive is at $0.00 per month. For Westfield, the cheapest state average is Tennessee at $180.08 per month and the most expensive is Michigan at $211.73 per month.
Average Rate
Average Rate
Average Rate
| State | Shelter | Westfield |
|---|---|---|
| Michigan | - | $211.73 |
| Tennessee | - | $180.08 |
Shelter vs. Westfield: Rates by Number of Vehicle
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 | $211.05 | $201.60 |
| 2 Vehicles | $ | $326.00 |
Shelter vs. Westfield: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Shelter charges $184.33 per month and Westfield charges $217.25 per month for customers who own their home.
| Own/Rent | Shelter | Westfield |
|---|---|---|
| Own | $184.33 | $217.25 |
| Rent | $232.67 | $207.01 |
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.
| Comparison | Shelter | Westfield |
|---|---|---|
| Year Founded | 1946 | 1864 |
| A.M. Best Rating | A | A |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 0.36 (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.
| Insurance | Shelter | Westfield |
|---|---|---|
| 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.
| Shelter | Westfield |
|---|---|
| Accident Prevention Course Discount | Account Relationship Discount |
| Anti-Theft Discount - Kentucky and Illinois Residents | Companion Car Discount |
| Companion Life Discount | Company Car Discount |
| Companion Policy Discount | Defensive Driver Discount |
| Driver Training Course Discount | Family Discount |
| Good Student Discount | Good Student Discount |
| Military Discount | Loss-free Discount |
| Multi-car Discount | Loyalty Discount |
| Multi-coverage Discount - Nevada Residents | Multi-Policy Discount |
| Passive Restraint Discount | Next Generation Discount |
| Pay in Full Discount | Prior 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 | 2.3 | 35 user reviews |
| Android | 2.3 | 240 user reviews |
| Westfield Mobile App | ||
|---|---|---|
| Westfield does not currently have a mobile app. | ||
Shelter & Westfield Contact Info
| Shelter Contact Info | |
|---|---|
| Address | 1817 West Broadway - Columbia, MO 65218 |
| Phone | 1-800-743-5837 |
| Website | https://www.shelterinsurance.com/ |
| https://www.facebook.com/ShelterInsurance/ | |
| https://twitter.com/Shelter_ins/ | |
| https://www.linkedin.com/company/shelter-insurance-companies/ | |
| Youtube | https://www.youtube.com/user/ShelterIns |
| https://www.instagram.com/shelter_ins/ | |
| https://www.pinterest.com/shelterins/ | |
| Vimeo | https://vimeo.com/user48805731 |
| Westfield Contact Info | |
|---|---|
| Address | One Park Circle, Westfield Center, OH 44251 |
| Phone | 1 (800) 243-0210 |
| Website | https://www.westfieldinsurance.com/ |
| https://www.facebook.com/Westfield1848/ | |
| https://www.linkedin.com/company/westfield1848 | |
| Youtube | https://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.
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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