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

Quick Facts

• In general, Westfield offers less expensive premiums than GEICO
• GEICO offers more discounts than Westfield Insurance
• Westfield has more affordable rates for drivers with a DUI charge on their record

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering hefty discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to GEICO or Westfield as your top options, but which one will offer you cheaper premiums?

As you can see, Westfield has average rates that are about 18% per month less expensive than those from GEICO when looking at the national average rates for insurance.

Even so, that doesn't mean Westfield will necessarily be cheaper than GEICO for every single driver. Auto insurance companies vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and a ton of other factors, so prices will vary quite a bit from person to person.

Wanting to know if GEICO or Westfield is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

GEICO or Westfield: Average Car Insurance Rates by State

GEICO and Westfield only compete against each other in West Virginia, where Westfield offers the cheaper average premiums. For West Virginia residents, Westfield offers insurance for $152 per month on average. GEICO's average prices come out to be over 10% more expensive, at $168 a month.

There are plenty of other factors that go into your car insurance bill than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. Generally, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Westfield for their insurance pay nearly $45 less than those who use GEICO. It's worth noting that GEICO offers auto insurance in 50 different states compared to Westfield's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower rates by the time drivers turn 25. For example, average premiums for GEICO policyholders lower more than $200 and Westfield's prices decrease almost $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest car insurance rates out there. After all, they've likely been driving for quite some time, which normally reduces their chances of accidents and other infractions that can increase premiums.

So, which carrier offers the best prices to retired drivers? Westfield gets the edge, with rates for drivers 65 and older $38 more affordable than the national average for GEICO.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance premiums than married policyholders. This usually boils down to married drivers having several cars on their policy -- something several car insurance companies will reward with discounts.

When it comes to relationship status, Westfield is the clear winner for single drivers, with prices around $29 a month less expensive than GEICO, on average. The advantage for married couples with Westfield is also obvious, where drivers save over 25% per month.

GEICO vs. Westfield: Average Rates by Gender

You may not know, but men usually pay more for auto insurance than women do. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher rates.

Women typically pay about 4% a month less than men with GEICO, and nearly 10% less with Westfield when compared to their male counterparts.

Looking at overall affordability, Westfield comes out on top for both men and women, with average premiums $30 less for men and $37 cheaper for women.

GEICO 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, insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability limits, Westfield normally offers significantly more affordable prices of $62 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Westfield again has the edge, with policies around $25 per month cheaper than GEICO, on average.

Is GEICO or Westfield Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with collisions and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

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

But Westfield is usually the more affordable option for drivers both with a ticket and with a clean record, offering premiums that are 3% and 25% cheaper, respectively, compared to GEICO.

Which Company is Best for Drivers After an Accident?

GEICO policyholders who get in an accident can expect to see their prices climb by just under 45%, while those who have insurance through Westfield will see around a 25% increase.

Overall, Westfield offers the lowest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $152 compared to GEICO's $200.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- generally a lot more than a collision or speeding ticket. For example, GEICO increases average prices by over $150 a month -- that's just under a 60% increase.

Westfield has the overall cheapest premiums for drivers with a DUI on their records at $231 monthly, but it's worth noting that GEICO's average rates come from 50 states compared to just one for Westfield, so the data may be skewed slightly.

How does Credit Score Impact GEICO and Westfield Rates?

Did you know that many insurance companies take into account your credit score when calculating rates? This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it might come into play for lots of drivers.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

Looking specifically at GEICO and Westfield, which carrier has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Westfield. Policyholders with "excellent" credit can save 6% compared to GEICO, and those with "good" scores can also expect to see savings -- about $26 or 16% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Westfield typically offers lower premiums than GEICO when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $46 per month less with Westfield compared to GEICO, and those with "poor" scores normally save an average of about $58 a month.

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

How much you drive can have a large impact on your monthly auto insurance payment. Typically, those who drive fewer miles will end up with cheaper prices since there's less of a chance of getting into an accident and causing an insurance claim.

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 premiums for GEICO, with policyholders who drive 6,000 miles yearly paying around $8 less every month compared to those who drive 12,000 miles annually. Still, Westfield is the more affordable option for drivers in both categories.

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

Where you park your vehicle can have a big impact on your monthly insurance cost. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, Westfield normally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both carriers, but Westfield comes out on top with average prices about $144 per month. Westfield also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a $59 and $25 a month respective difference when compared to GEICO drivers in similar areas.

GEICO vs. Westfield Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and 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 nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the table below, we've taken a look at all of the different discounts GEICO and Westfield offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

GEICO knocks Westfield out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Westfield.

There are a couple discounts both companies offer, but GEICO also offers commercial drivers license discounts, COVID-19 relief discount, deployed driver 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 GEICO or Westfield Best for You?

You've seen the role certain factors have on your insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best carrier for you, your vehicle, and your wallet?

Westfield might be best for you if....

• You're single and purchasing car insurance by yourself.
• Your credit score is high.
• You've started working from home and don't have much of a commute.

GEICO might be best for you if...

• You are considering moving to another state -- Westfield Insurance only offers policies in WV.
• You care about discounts (GEICO offers the most).

We hope this guide helps you get a good idea of the differences between GEICO and Westfield and that it aids in making a more informed decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple companies, not just GEICO and Westfield. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

GEICO vs. Westfield FAQs

Is GEICO or Westfield cheaper?

Looking just at the national average premiums, Westfield is the more affordable of the two companies, offering average rates of $152 per month compared to $185 for GEICO. However, Westfield won't necessarily be the most affordable carrier for everyone, since there are a range of different variables that come into play when it comes to your auto insurance payment.

Who is better, GEICO or Westfield?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique insurance profile.

Why do GEICO and Westfield offer me different rates?

Car insurance carriers take a look at a lot of different factors when determining the prices they charge policyholders. Things such as where you call home, where you live, gender, age, and sometimes even things like your credit score can all be used. Both GEICO and Westfield calculate premiums differently, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be GEICO 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.