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Is Westfield Insurance Worth It? An Independent Review (2026)
By ReliablePolicy Editorial Team
Westfield is an Ohio-based regional carrier selling through independent agents across roughly nine states. Its standout number is a NAIC complaint ratio near zero — exceptionally low for a carrier its size — paired with below-average premiums. The limitation is reach: outside its Midwest and Appalachian footprint it isn't available. Here's the 2026 picture.
Avg. annual premium
Below avg.
~$1,061 per 6 months
AM Best rating
A
Excellent
NAIC complaint ratio
~0.00
Industry benchmark is 1.00
Availability
~9 states
Midwest and Appalachia
Distribution
Independent agents
No direct purchase
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Westfield Insurance overview
Founded in 1848 in Westfield Center, Ohio, Westfield writes personal and commercial lines through independent agents in states including Ohio, Indiana, Illinois, Kentucky, Michigan, Minnesota, Pennsylvania, Tennessee, and West Virginia. Independent analysis puts its six-month premium around $1,061 against a national benchmark near $1,162, and its NAIC complaint ratio sits at roughly 0.00 versus an industry benchmark of 1.00. It has been ranked among the top carriers in several of its states, notably Kentucky and Minnesota.
Westfield Insurance estimated rates by driver profile (2026)
Independent market estimates for drivers researching Westfield Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30-45 | ~$1,810/yr | Below avg. | Competitive in core states |
| Single accident (3 yrs) | ~$2,380/yr | Below avg. | Moderate surcharge |
| DUI on record | ~$3,590/yr | Near avg. | Acceptance not guaranteed |
| Young driver (18-24) | ~$3,940/yr | Near avg. | Student discounts available |
| Senior driver (65+) | ~$1,700/yr | Below avg. | Good mature-driver value |
| Low credit score | ~$2,690/yr | Near avg. | Credit used in most states |
Estimates based on NAIC rate filings and state insurance department data. Not quotes from Westfield Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.
Westfield Insurance pros and cons
Where Westfield Insurance excels
- ✓NAIC complaint ratio near zero — far below the industry benchmark
- ✓Premiums below the national average in its footprint
- ✓A (Excellent) AM Best financial strength rating
- ✓Top-four ranked in several of the states it serves
- ✓Independent agents can compare it against other carriers
Where Westfield Insurance falls short
- ✗Available in roughly nine states only
- ✗No direct online purchase — agent required
- ✗Not scored in national J.D. Power auto studies
- ✗Smaller discount menu than national carriers
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A closer look at Westfield Insurance
The complaint ratio is the number that matters here. A figure near 0.00 against an industry benchmark of 1.00 means Westfield generates dramatically fewer regulator complaints per dollar of premium than the typical carrier — the single best public proxy for how a company behaves at claim time. Combined with below-average pricing, that makes Westfield a strong option inside its footprint. The constraint is simply geography and distribution: nine states, agents only.
Bottom line
An unusually clean complaint record and below-average pricing make Westfield a strong regional pick — if you live in one of its roughly nine states and are willing to work through an agent.
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Frequently asked questions about Westfield Insurance
Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Westfield Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.
AB Test AA Control: B