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

Quick Facts

• Looking at the national averages for auto insurance, Westfield offers significantly cheaper premiums than Motorists
• Westfield has less expensive rates for drivers with a DUI
• Westfield tends to be a much more affordable option for policyholders whose driving record contains an at-fault collision

Motorists or Westfield: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Motorists or Westfield as potential options, but which company will offer you less expensive premiums?

Looking at nationwide averages, Westfield is quite a bit cheaper than Motorists, with prices averaging $152 a month compared to $251 with Motorists.

But Westfield may not be the cheapest or best option for every single driver out there. Car insurance carriers use tons of complex algorithms to determine rates, so depending on how clean your driving record is or how old you are (among a variety of other factors), you could see wildly different prices from the ones above.

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

Motorists vs. Westfield: Average Car Insurance Rates by State

Motorists and Westfield only compete against each other in West Virginia, where Westfield offers the cheaper average rates. Westfield drivers tend to pay about $120 per month less on average compared to drivers who use Motorists for their auto insurance.

But there's more to calculating insurance premiums than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of almost 20% less a month by choosing Westfield over Motorists.

Even so, both companies will offer you dramatically lower prices by the time drivers turn 25. For example, average premiums for Motorists policyholders decrease nearly 45% and Westfield's prices lower over 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

So, which carrier offers the best premiums to retired drivers? Westfield gets the edge, with rates for drivers 65 and older almost 50% more affordable than the national average for Motorists.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for those who are single than they are for married drivers. That's because policies for married policyholders normally cover multiple vehicles, which many carriers will give you a discount for.

For single policyholders, the difference in average rates between these two companies is significant, with Westfield premiums coming in at a third less than Motorists's. The advantage for married couples with Westfield is also obvious, where drivers save around $100 per month.

Motorists or Westfield: Average Rates by Gender

Men are statistically more likely than women to get into a collision or get pulled over for speeding, which means they'll generally end up paying more for auto insurance than women.

With Motorists, women usually pay about 5% a month less than men, and around 9% less with Westfield.

Looking at overall affordability, Westfield comes out on top for both men and women. On average, male drivers save about $98 per month and women save about $101 with Westfield compared to the average Motorists policyholder.

Motorists vs. 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.

It's no secret that insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, Westfield has the significant edge, with average monthly rates coming in at $62. If you want a full coverage policy with the same state minimum limits, Westfield again has the edge, with policies averaging around $242 a month to Motorists's $379.

Is Motorists or Westfield Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that collisions and speeding tickets lead to higher premiums, but which company -- Motorists or Westfield -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

But Westfield is typically the cheaper option for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $57 and $75 more affordable, respectively, compared to Motorists Insurance Group.

Which Company is Best for Drivers After an Accident?

Motorists drivers who get in a collision can expect to see their prices increase by just under 20%, while those who have insurance through Westfield will see about a 25% increase.

At the end of the day, the less expensive rates come from Westfield, with average prices coming in at $152 compared to Motorists Insurance Group's $206.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. Motorists drivers usually see a 62% raise in their insurance premiums after a DUI charge, while Westfield will generally increase prices by around 52%.

But if you end up with a DUI charge and are looking for more affordable premiums, Westfield tends to be cheaper for the average driver, with monthly premiums coming in at about $231 to Motorists's $442.

How does Credit Score Impact Motorists and Westfield Rates?

Did you know many car insurance carriers take your credit score into account when determining rates? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it does affect lots of policyholders out there.

The reasoning insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will normally be forced to pay more.

So, which carrier offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Westfield will usually reward you the most. For drivers with "excellent" credit scores, Westfield comes in nearly 22.64 less expensive. Drivers with "good" credit scores normally save around 25% with Westfield compared to average rates from Motorists.

Which Company is Best for Drivers with Bad Credit?

Westfield typically offers lower prices than Motorists when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 35% per month less with Westfield compared to Motorists, and those with "poor" scores generally save an average of around 55% a month.

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

Did you know that the amount of time you spend in your car have a large impact on your monthly premiums? Typically, those who drive fewer miles will end up with more affordable rates since there's less of a chance of causing a collision and filing 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 Motorists, with policyholders who drive 6,000 miles annually paying about $10 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Westfield is the cheaper company.

Motorists or Westfield: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a substantial impact on your monthly auto insurance bill. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

When comparing these two carriers side-by-side, Westfield normally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Westfield's average premiums are around $152 a month compared to Motorists's $286. Drivers in suburban ZIP codes pay about $160 with Westfield compared to Motorists's $215 per month. Those in rural areas can expect to pay around $144 monthly with Westfield compared to Motorists's $252.

Motorists vs. Westfield Discounts

No matter 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 you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Motorists and Westfield so that you can see which carrier can save you the most money each month.

Looking at the total number of discounts, Westfield has advantage when it comes to total number of discounts. Motorists offers a grand total of 14 discounts, while Westfield has 17.

A couple of those are overlapping for things like ABS discounts, anti-theft discounts, and multi-policy discounts. Westfield also offers discounts for account relationship, companion auto, company car, and more.

On the other hand, Motorists has a few proprietary discounts of their own for things like advance quote discounts, empty nester discounts, homeowner discounts, and more.

Final Thoughts: Is Motorists or Westfield Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which insurance company is the best one for you, your vehicle, and your wallet?

Westfield might be best for you if....

• You have a speeding ticket on your driving record.
• Your neighborhood is in a city.
• You drive fewer than 6,000 miles yearly.

Motorists might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a good idea of the differences between Motorists and Westfield. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several companies, not just Motorists and Westfield. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Motorists vs. Westfield FAQs

Is Motorists or Westfield cheaper?

Westfield is the more affordable of the two companies when looking at national average rates, with policies averaging $152 per month with Westfield and $251 for Motorists. However, that doesn't mean Westfield will be the most affordable carrier for every driver, since there are many different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Motorists or Westfield?

Sadly, the answer truly is "it depends.". One company is not "better" for everyone -- it all boils down to your unique insurance profile.

Why do Motorists and Westfield offer me different rates?

Auto insurance carriers use several different variables when calculating the prices they charge. Factors such as where your home is, age, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Motorists and Westfield calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car 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 information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Motorists or Westfield at all, but another you hadn't even thought of!

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.