Allstate vs. Westfield: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Westfield offers significantly more affordable prices than Allstate
• Allstate offers more affordable premiums for drivers with a DUI charge on their record
• Westfield tends to be a much less expensive option for residents of urban areas

Allstate vs. Westfield: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might be considering Allstate or Westfield as your top options, but which company has cheaper prices for auto insurance?

As you can see, Allstate has average rates that are about 24% per month more expensive than those from Westfield when looking at the national average rates for insurance.

That being said, Westfield may not be the lowest or best option for each driver out there. Car insurance companies use tons of complex algorithms to calculate premiums, so depending on how good your credit score is or how old you are (among a bunch of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Allstate and Westfield by lots of different rate factors, so read on to find out which carrier is the best for you.

Allstate or Westfield: Average Car Insurance Rates by State

Allstate and Westfield only compete against each other in West Virginia, where Westfield offers the cheaper average rates. For West Virginia residents, Westfield offers auto insurance for $152 a month on average. Allstate's average prices come out to be over 30% more expensive, at $206 per month.

There's a lot more that goes into your car insurance payment than just where you call home. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. Normally, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Westfield over Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Westfield's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, with both carriers, you'll see your prices decrease significantly by the time drivers turn 25. For example, average premiums for Allstate policyholders lower nearly $300 and Westfield's rates drop around $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest insurance prices you'll ever see. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase premiums.

But who has the best prices for retired drivers between Allstate and Westfield? Westfield gets the edge, with rates for drivers 65 and older $42 more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are typically less expensive for married drivers than they are for those who are single? That's generally because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Westfield is the clear winner for single drivers, with prices about $52 per month cheaper than Allstate, on average. For married couples, the advantage is clear again - Westfield has the edge when it comes to average rates.

Allstate vs. Westfield: Average Rates by Gender

Did you know men typically pay more for insurance than women? This is because men are more likely to get into collisions and get speeding tickets, which increases the chances of an insurance claim.

On average, men see premiums almost $10 a month higher with Allstate, and around $15 more with Westfield.

Looking at the data for each company specifically, Westfield offers the most affordable average rates for both men and women. On average, male drivers save about $44 per month and women save about $50 with Westfield compared to the average Allstate policyholder.

Allstate or Westfield: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, auto insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

But most policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Westfield normally offers significantly more affordable prices of $62 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Westfield again has the edge, with policies around $45 a month cheaper than Allstate, on average.

Is Allstate or Westfield Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that collisions and tickets lead to higher rates, but which carrier -- Allstate or Westfield -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Westfield auto insurance policies don't report seeing their rates increase after getting a ticket, but Allstate policyholders can expect to see their monthly bill increase by about $25.

Even so, Westfield is generally the less expensive option for both drivers who have clean records and those with a recent ticket, offering prices that are $44 and $71 more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate policyholders who get in a collision can expect to see their premiums rise by over 30%, while those who have insurance through Westfield will see around a 25% increase.

Overall, drivers who use Westfield end up with the cheaper prices after an accident, with monthly rates averaging $152 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. For example, Westfield increases average prices by over $100 per month -- that's over a 50% increase.

Allstate has the overall most affordable premiums for drivers with a DUI on their records at $227 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Westfield, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Westfield Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly auto insurance prices. This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it does affect a lot of drivers out there.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Westfield and Allstate, which one has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Westfield. Drivers with "excellent" credit can save more than 15% compared to Allstate, and those with "good" scores can also expect to see savings -- about $34 or 20% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Westfield typically offers lower rates than Allstate when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $52 a month less with Westfield compared to Allstate, and those with "poor" scores typically save an average of about $80 per month.

Is Allstate or Westfield Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly premiums. Normally, the more miles you put on your vehicle, the more you can expect to pay for coverage.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Westfield charges. However, there's a small difference in monthly rates for Allstate, with drivers who put 6,000 miles on their car each year paying around $3 less every month compared to those who drive 12,000 miles annually. Still, Westfield is the less expensive option for drivers in both categories.

Allstate vs. Westfield: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a considerable role in how much you pay for auto insurance. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads in those areas.

Westfield boasts the cheapest average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable rates from both companies, but Westfield comes out on top with average prices about $144 monthly. Westfield also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a 32% and 20% per month respective difference when compared to Allstate policyholders in similar areas.

Allstate vs. Westfield Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

In the table below, we've broken down all of the different discounts offered by both Allstate and Westfield so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Allstate blows Westfield away when it comes to the sheer amount of discounts available, offering 40 different discounts to Westfield's 17.

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, discounts for getting driver training, and paid in full discounts. Allstate also offers advance quote discounts, agency transfer discounts, alert driving discounts, and more that Westfield does not.

On the flip side, Westfield has a couple unique discounts of its own -- account relationship discounts, companion auto discounts, company car discounts, and more.

Final Thoughts: Is Allstate or Westfield Best for You?

So, we've broken down the average rates for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, is Allstate or Westfield the best carrier for you and your specific needs?

Westfield might be best for you if....

• You have a speeding ticket on your driving record.
• You want basic auto insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your car insurance.

Allstate might be best for you if...

• You are considering moving to another state -- Westfield Insurance is only available in West Virginia.
• You have a DUI charge on your record.
• You're looking for discounts -- Allstate has the most.

We hope this guide helps you get a good idea of the differences between Allstate and Westfield. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Allstate and Westfield. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Allstate vs. Westfield FAQs

Is Allstate or Westfield cheaper?

Looking just at the national average prices, Westfield is the less expensive of the two companies, offering average rates of $152 a month compared to $199 for Allstate. However, Westfield won't necessarily be the lowest carrier for each driver, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Westfield?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, Allstate offers more affordable premiums for drivers with a recent DUI, while Westfield is cheaper for drivers with excellent credit.

Why do Allstate and Westfield offer me different rates?

Auto insurance carriers take a look at several different factors when calculating the prices they charge drivers. Variables like age, your driving record, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Westfield calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Allstate or Westfield is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Allstate or Westfield at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.