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Westfield vs. Direct Auto Insurance
Which insurance company is right for you? Compare insights, discounts, and quotes from Westfield and Direct Auto.
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Westfield vs. Direct Auto: 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 1991, William Adair had the vision of creating a premier, non-standard automobile insurance company that served customers better than any other insurer, He founded Direct Auto Company, the first company owned by Direct General Insurance Group, headquartered in Nashville, Tennessee. The business has since expanded, but the beliefs remain true to Adair’s original vision.
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 Direct Auto Overview.
Westfield vs. Direct Auto: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with Westfield and Direct Auto. On average, Westfield charges approximately $187.06 per month while Direct Auto comes in at around $113.60 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 Direct Auto, the cheapest state average is Tennessee at $44.34 per month and the most expensive is Georgia at $180.89 per month.
Average Rate
Average Rate
Average Rate
| State | Westfield | Direct Auto |
|---|---|---|
| Arkansas | - | $82.86 |
| California | - | $88.42 |
| Florida | - | $177.80 |
| Georgia | - | $180.89 |
| Illinois | - | $66.22 |
| Indiana | $129.41 | - |
| Kentucky | $194.78 | - |
| Louisiana | - | $155.39 |
| Michigan | $226.43 | - |
| Mississippi | - | $70.97 |
| North Carolina | - | $49.80 |
| Ohio | $117.81 | - |
| Tennessee | $168.85 | $44.34 |
| Texas | - | $87.45 |
| Virginia | - | $96.88 |
| West Virginia | $176.23 | - |
Westfield vs. Direct Auto: 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 Direct Auto typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | Westfield | Direct Auto |
|---|---|---|
| 1 Vehicle | $176.38 | $109.74 |
| 2 Vehicles | $252.91 | $170.28 |
Westfield vs. Direct Auto: 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 Direct Auto charges $117.75 per month for customers who own their home.
| Own/Rent | Westfield | Direct Auto |
|---|---|---|
| Own | $205.22 | $117.75 |
| Rent | $179.82 | $112.77 |
What is Westfield and Direct Auto Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how Westfield and Direct Auto ranked among the industry ratings.
| Comparison | Westfield | Direct Auto |
|---|---|---|
| Year Founded | 1864 | 1991 |
| A.M. Best Rating | A | |
| BBB Rating | A+ | A+ |
| Financial Strength | Excellent | Excellent |
| NAIC Complaint Index | 6.06 | |
| NAIC Complaint Ratio | 9.62 |
Westfield or Direct Auto: Insurance Products Offered
What coverage is available through Westfield and Direct Auto? Both insurance companies offer Auto, Motorcycle, and RV insurance. Additional products from Direct Auto insurance also includes Commercial and Health 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 Direct Auto Insurance page.
| Insurance | Westfield | Direct Auto |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | |
| Motorcycle Insurance | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
Westfield or Direct Auto: Ways To Save
Westfield offers a wide range of discounts to its policyholders, including Companion Car, Company Car, and Defensive Driver discounts. However, Direct Auto also offers a few discounts that Westfield doesn’t, including Welcome Back, Senior Citizen, and Safe Driver discounts. Start taking advantage of discounts offered by insurance providers like Direct Auto and Westfield insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| Westfield | Direct Auto |
|---|---|
| Account Relationship Discount | Affinity Discount |
| Companion Car Discount | Good Student Discount |
| Company Car Discount | Homeowner Discount |
| Defensive Driver Discount | Mileage Discount |
| Family Discount | Military Discount |
| Good Student Discount | Multi-Car Discount |
| Loss-free Discount | Multi-Product Discount |
| Loyalty Discount | Prior Coverage Discount |
| Multi-Policy Discount | Renewal Discount |
| Next Generation Discount | Safe Driver Discount |
| Prior Carrier Discount | Senior Citizen Discount |
| Welcome Back Discount |
Pros & Cons of Westfield & Direct Auto
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.
Direct Auto
- Flexible billing options and customizable insurance payments
- Affordable rates regardless of consumers driving history
- Offers SR-22 filing for drivers
- Offers a variety of discounts
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.
Direct Auto
- Claims only by phone. There is no option to file a claim online.
Westfield or Direct Auto Mobile Apps Options
| Westfield Mobile App | ||
|---|---|---|
| Westfield does not currently have a mobile app. | ||
| Direct Auto Mobile App | ||
|---|---|---|
| Direct Auto does not currently have a mobile app. | ||
Westfield & Direct Auto 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 |
| Direct Auto Contact Info | |
|---|---|
| Address | 1128 Murfreesboro Road, Nashville, TN |
| Phone | 1-877-463-4732 |
| Website | https://www.directauto.com/ |
| http://www.facebook.com/directautoIns | |
| https://twitter.com/directautoins | |
| Youtube | https://www.youtube.com/user/DirectAutoIns |
| https://www.instagram.com/directautoins/ | |
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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