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Westfield vs. Alfa Insurance
Which insurance carrier is right for you? Compare ratings, premiums, and quotes from Westfield and Alfa.
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Westfield vs. Alfa: What You Need to Know
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.
In 1946 John Tucker Harris, President of the Lee County Farm Association and respected farmer in Alabama, founded Alfa as the product of the Alabama Farmers Federation. He wanted to offer superior fire insurance to federation members, who were mainly farmers. Today, Alfa is a much larger enterprise and offers more than just fire insurance. They offer coverages to over 1 million customers in 11 states: Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers. Alfa’s vision for the future is to focus on technology to enhance productivity and better serve customers. The company also plans to invest heavily in product and geographic expansion.
Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Westfield Overview and ALFA Overview.
Westfield vs. ALFA: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Westfield and ALFA. On average, Westfield charges approximately $187.06 per month while ALFA comes in at around $183.22 per month. For Westfield, the cheapest state average is Ohio at $117.81 per month and the most expensive is Michigan at $226.43 per month. For ALFA, the cheapest state average is Virginia at $132.32 per month and the most expensive is Alabama at $384.60 per month.
Average Rate
Average Rate
Average Rate
| State | Westfield | ALFA |
|---|---|---|
| Alabama | - | $384.60 |
| Arkansas | - | $184.47 |
| Georgia | - | $224.98 |
| Indiana | $129.41 | - |
| Kentucky | $194.78 | - |
| Michigan | $226.43 | - |
| Mississippi | - | $243.36 |
| Ohio | $117.81 | - |
| Tennessee | $168.85 | - |
| Virginia | - | $132.32 |
| West Virginia | $176.23 | - |
Westfield vs. ALFA: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Westfield and ALFA typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Westfield | ALFA |
|---|---|---|
| 1 Vehicle | $176.38 | $170.54 |
| 2 Vehicles | $252.91 | $264.57 |
Westfield vs. ALFA: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Westfield charges $205.22 per month and ALFA charges $197.95 per month for customers who own their home.
| Own/Rent | Westfield | ALFA |
|---|---|---|
| Own | $205.22 | $197.95 |
| Rent | $179.82 | $177.13 |
What is Westfield and Alfa Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Westfield and Alfa ranked among the industry ratings.
| Comparison | Westfield | Alfa |
|---|---|---|
| Year Founded | 1864 | 1946 |
| Market Share | 0.12% | |
| A.M. Best Rating | A | A |
| BBB Rating | A+ | |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Ratio | 9.62 | 0.82 |
Westfield or Alfa: Insurance Products Offered
What coverage is available through Westfield and Alfa? Both insurance companies offer Auto, Home, and RV insurance. Additional products from Alfa insurance also includes Commercial, Farm, Health, Life, Motorcycle, and Renters insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Westfield and ALFA Insurance page.
| Insurance | Westfield | Alfa |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | ✔ |
Westfield or Alfa: Ways To Save
Westfield offers a wide range of discounts to its policyholders, including Companion Car, Company Car, and Defensive Driver discounts. However, Alfa also offers a few discounts that Westfield doesn’t, including Youth Safety Test, Youth Defensive Driver Test, and Teacher discounts. Start taking advantage of discounts offered by insurance providers like Alfa and Westfield insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Westfield | Alfa |
|---|---|
| Account Relationship Discount | Airbags Discount |
| Companion Car Discount | Burglar Alarm Discount |
| Company Car Discount | Claims-free Discount |
| Defensive Driver Discount | Defensive Driver Discount |
| Family Discount | Driver Education |
| Good Student Discount | Driver Training Discounts |
| Loss-free Discount | Good Student Discount |
| Loyalty Discount | Home and Auto Bundle Discount |
| Multi-Policy Discount | Homeowner Discount |
| Next Generation Discount | Multi-car Discount |
| Prior Carrier Discount | Multi-policy Discount |
| Smoke Alarm Discount | |
| Teacher Discount | |
| Youth Defensive Driver Test | |
| Youth Safety Test |
Pros & Cons of Westfield & Alfa
Pros
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.
Alfa
- Very low customer complaints.
- Excellent financial strength means reliability in getting claims paid.
- It’s easy to report a claim - the company has a 24/7/365 service available and you can start the claim process through phone, online, fax or mail.
Cons
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.
Alfa
- Alfa Insurance is only available in Alabama, Mississippi, Georgia, Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, Kentucky, Florida, and North Carolina. It is still affiliated with Alabama Farmers.
Westfield or Alfa Mobile Apps Options
Alfa2Go® Mobile App is available for iOS and Android. This mobile app provides you access to manage your policies, pay your bill, report a claim, view your ID card and take advantage of exclusive member benefits (Alabama only).
| Westfield Mobile App | ||
|---|---|---|
| Westfield does not currently have a mobile app. | ||
| Mobile App | ||
|---|---|---|
| iOS | 4.7 | 1.9 user reviews |
| Android | 3.7 | 251 user reviews |
Westfield & Alfa Contact Info
| 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 |
| Alfa Contact Info | |
|---|---|
| Address | P.O. Box 11000, Montgomery, AL 36191-0001 |
| Phone | 1-800-964-2532 |
| Website | https://www.alfainsurance.com/ |
| https://www.facebook.com/AlfaInsurance | |
| Youtube | https://www.youtube.com/user/AlfaInsurance |
| https://twitter.com/Alfa_Insurance | |
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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