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 $206.27 per month while Direct Auto comes in at around $165.15 per month. For Westfield, the cheapest state average is Indiana at $103.07 per month and the most expensive is Michigan at $336.86 per month. For Direct Auto, the cheapest state average is Alabama at $109.96 per month and the most expensive is Florida at $199.15 per month.

Westfield

Average Rate

$206.27
Direct Auto

Average Rate

$165.15
National

Average Rate

$118.76
State Westfield Direct Auto
Alabama- $109.96
Florida- $199.15
Georgia- $182.55
Indiana $103.07 -
Kentucky $141.99 -
Michigan $336.86 -
Ohio $112.25 -
Tennessee $142.18 -
West Virginia $144.77 -

Westfield vs. Direct Auto: 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 Westfield and Direct Auto typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Westfield Direct Auto
1 Vehicle $191.25 $167.03
2 Vehicles $260.11 $
3 Vehicles $361.07 $

Westfield vs. Direct Auto: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Westfield charges $211.51 per month and Direct Auto charges $163.91 per month for customers who own their home.

Own/Rent Westfield Direct Auto
Own $211.51 $163.91
Rent $203.16 $165.60

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.

ComparisonWestfieldDirect Auto
Year Founded18641991
A.M. Best RatingA
BBB RatingA+A+
Financial StrengthExcellentExcellent
NAIC Complaint Index6.06
NAIC Complaint Ratio9.62

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.

InsuranceWestfieldDirect 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.

WestfieldDirect Auto
Account Relationship DiscountAffinity Discount
Companion Car DiscountGood Student Discount
Company Car DiscountHomeowner Discount
Defensive Driver DiscountMileage Discount
Family DiscountMilitary Discount
Good Student DiscountMulti-Car Discount
Loss-free DiscountMulti-Product Discount
Loyalty DiscountPrior Coverage Discount
Multi-Policy DiscountRenewal Discount
Next Generation DiscountSafe Driver Discount
Prior Carrier DiscountSenior 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
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
Direct Auto Contact Info
Address1128 Murfreesboro Road, Nashville, TN
Phone1-877-463-4732
Websitehttps://www.directauto.com/
Facebookhttp://www.facebook.com/directautoIns
Twitterhttps://twitter.com/directautoins
Youtubehttps://www.youtube.com/user/DirectAutoIns
Instagramhttps://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.

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