Westfield Insurance: Overview

Westfield Insurance is based in Ohio and has been providing insurance since 1864.

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About Westfield

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.

Westfield Facts & Ratings

Year Founded1864
Financial StrengthExcellent
BBB RatingA+
A.M. BestA
NAIC Complaint Ratio9.62

Westfield Mobile App Rating

Westfield Insurance does not have a mobile app.

Pros & Cons of Westfield Insurance

  • 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.
  • 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.

Common Questions about Westfield

Does Westfield Insurance offer good student discounts?

Yes, Westfield Insurance offers good student discounts for auto insurance.

What states does Westfield Insurance write in?

Westfield Insurance only writes car insurance in ten states: Minnesota, Wisconsin, Ohio, Iowa, Illinois, Indiana, Pennsylvania, West Virginia, Kentucky, and Tennessee. Westfield Insurance also provides commercial insurance in 21 states and offer surety services in all 50 states.

Is Westfield Insurance a public company?

Westfield insurance is one of the largest non-public companies in Ohio.

How to get Westfield insurance card?

Contact Westfield customer service at 800- 243-0210. For other options on printing an insurance card or using an electronic insurance card as proof of insurance visit here.

What is Wespak by Westfield Insurance?

Wespak is a cost-saving bundle package. With Wespak Estate you can insure a high-value home and auto with preferred options, which are included as a package that includes home equipment breakdown, replacement cost coverage, identity theft, and roadside assistance.

How big is Westfield Insurance?

Westfield has 1.9 billion in revenue and more than $6.3 billion in total assets.

Is Westfield Insurance a good company?

Since it was founded, Westfield has rated either “A” or “A+” by A.M. Best an independent rating organization that determines financial strength. While Westfield is a financial strong company, it does have a high complaint ratio.

How much does Westfield Insurance cost?

Your insurance rate varies according to the car you own and a series of factors related to your risk as a driver and car owner. For instance, you’re rated based on your driving history, years of experience, your job, how much you drive and more. To compare several car insurance quotes in a matter of a few minutes, visit here and fill out a brief form.

Does Westfield Insurance cover windshield repair?

In some instances, Westfield Insurance covers windshield repair if you have comprehensive insurance.

How does Westfield Insurance gap coverage work?

Gap insurance covers the excess amount you may still owe if you experience a total loss with your car and owe more than the worth of the car in car loans.

What type of coverage does Westfield auto insurance have?

Westfield offers the following types of auto insurance coverage:

  • Bodily Injury Liability
  • Property Damage Liability
  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments
  • Personal Injury Protection (PIP)
  • Roadside Assistance
  • Uninsured Motorists
  • Underinsured Motorists
  • Loan/Lease Gap Coverage

What coverage does Westfield business insurance offer?

Westfield customizes business insurance coverages for companies in all types of industries, including health care providers, real estate management, contractors, manufacturers, distributors, and hospitality. Packages include common types of commercial insurance coverage like general liability and property liability insurance, workers compensation, business owners policy (BOP), business interruption, equipment breakdown, commercial auto insurance, commercial umbrella insurance and more. They also offer surety bonds. The Signature Series BOP offers specialized coverages for hotels, medical offices, real estate offices, and restaurants.

How does Westfield commercial property insurance work?

Catastrophe for your business may come in the form of a storm or lightning. Westfield’s commercial property insurance covers your business property in the event of any covered peril which may cause expensive damage. In addition to the physical property in the building, the following are covered too: office furniture, equipment, inventory, supplies, fixtures and the personal property of others. Make note that earthquakes and floods are not covered under regular commercial property coverage and must be purchased separately.

What is the Westfield Business Owners Policy?

Westfield’s BOP package is made for small business owners who want a simple policy that covers the essentials, like property and general liability. Specifically, BOP includes building, business property and business interruption coverage with extra expenses. In order to be eligible for a Westfield BOP, your business must be less than 35,000 square feet per location and less than 5 stories high and have $6 million or less in annual sales per location.

What equipment do Westfield homeowners cover?

Westfield homeowners insurance covers you in the event of electrical failures, mechanical breakdowns and losses in pressure. Appliances that are included are:

  • Washers and dryers
  • Computers, monitors and printers
  • Dishwashers
  • Refrigerators and freezers
  • Garbage disposals
  • Ovens and microwaves
  • Heat pumps
  • HVAC systems
  • High-energy electrical service panels
  • Home security systems
  • Sump pumps
  • TVs and surround-sound systems
  • Water heaters
  • Well-water pumps
  • Swimming pool equipment

Westfield Insurance Products

Auto InsuranceBoat Insurance
RV & Camper InsuranceMotorcycle Insurance
Wespak Coverage (Home & Auto Bundle)

Westfield Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Medical Payments

This protection covers you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

Personal Injury Protection (PIP)

This protection pays for medical expenses for injuries to the driver and any passenger in your vehicle, regardless of who is at fault. Lost wages, lost service and funeral expenses may be covered as well. This coverage is not available in all states.

Roadside Assistance

This coverage sends assistance if you have a roadside breakdown. Fule, water and oil delivery, battery jump-start, tire change or inflation and lockout service up to $100 is included.

Uninsured Motorists

This protection pays for medical expenses if you’re injured in a vehicular accident caused by someone who doesn’t carry liability insurance.

Underinsured Motorists

This coverage provides a single payment to cover living expenses that arise from being without your car.

Loan/Lease Gap Coverage

This coverage is sometimes called gap insurance. It covers you if your car is declared a total loss and you owe more on the car than its covered depreciated value.

Discounts

Loss-free DiscountNext Generation Discount
Defensive Driver DiscountFamily Discount
Companion Car DiscountCompany Car Discount
Prior Carrier DiscountMulti-Policy Discount
Loyalty DiscountAccount Relationship Discount
Good Student Discount

Westfield Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Westfield. On average, Westfield charges approximately $162.15 per month. The cheapest state average is Ohio at $97.47 per month followed by Kentucky at $115.42 per month. The most expensive state average is at $243.25 per month.

State Avg monthly rate
IN $118.61
KY $115.42
MI $224.22
State Avg monthly rate
OH $97.47
TN $132.58
WV $122.43

Westfield Auto Insurance Rates by Vehicle

Drivers typically will get a discount if they insure multiple vehicles. Here is a list of average rates that Westfield charges for drivers who have more than 1 vehicle.

Number of Vehicles Avg Monthly Rate
1 Vehicle $152.60
8 Vehicles $184.42
2 Vehicles $206.80
3 Vehicles $268.61
6 Vehicles $269.14
4 Vehicles $343.01
5 Vehicles $480.29

Westfield Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Westfield charges $158.07 per month for drivers who own their home and $164.05 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $158.07
Rent $164.05

Westfield Contact Info

AddressOne Park Circle, Westfield Center, OH 44251
Phone1 (800) 243-0210
Website https://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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