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

Quick Facts

• In general, Westfield offers more affordable premiums than Progressive
• Progressive may help you save more money -- they offer more discounts than Westfield Insurance
• Westfield offers more affordable rates for single people who will be the only person on the insurance policy

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

So, you're considering switching to 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 might have narrowed it down to Progressive or Westfield for your next policy, but between the two, which carrier will save you the most?

As you can see, Westfield has average rates that are around 16% a month cheaper than those from Progressive when looking at the national average rates for auto insurance.

Even so, that doesn't necessarily mean Westfield will be the more affordable option for every driver. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things), so prices will differ quite a bit from person to person.

Wanting to know if Progressive 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.

Progressive vs. Westfield: Average Car Insurance Rates by State

Progressive and Westfield only compete against each other in West Virginia, where Westfield offers the cheaper average premiums. Westfield drivers tend to pay about $40 per month less on average compared to drivers who use Progressive for their insurance.

That being said, there's a lot more that goes into your auto insurance bill than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers. Usually, that's because teen 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 prices, teen drivers can still find ways to save money. As you can see above, teens who use Westfield save almost 30% a month compared to those who use Progressive. It's worth noting that Progressive offers auto insurance in 44 different states compared to Westfield's one, which can skew the average premiums a bit, but the difference here is still considerable.

However, both companies will drop rates once you turn 25. For example, average prices for Progressive policyholders decrease about $300 and Westfield's premiums reduce around $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the cheapest car insurance prices you can find. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise premiums.

When looking at Progressive and Westfield specifically, which carrier is best for retired drivers? Westfield gets the edge, with rates for drivers 65 and older $21 cheaper than the national average for Progressive.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive insurance prices than single policyholders. That's because policies for married policyholders typically cover more than one vehicle, which quite a few carriers will give you a discount for.

For single drivers, the difference in average premiums between these two companies is significant, with Westfield rates coming in at a quarter less than Progressive's. It's not quite so glaring for married couples, where drivers who use Westfield save over $10 per month.

Progressive or Westfield: Average Rates by Gender

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

On average, men see premiums about $5 a month higher with Progressive, but with Westfield, the difference is closer to $15 per month.

When it comes to the most affordable rates for each gender, Westfield comes out as the lowest option for both genders, with average prices $24 less for men and $34 cheaper for women.

Progressive 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 car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different limits and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, 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 Progressive's $250.

Is Progressive 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.

At-fault accidents and speeding tickets will most likely raise your premiums, but is Progressive or Westfield cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Westfield insurance policies don't report seeing their prices increase after getting a ticket, but Progressive policyholders can expect to see their monthly bill increase by about $30.

But Westfield tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around 25% per month with Westfield Insurance, and the same can be said for those with a ticket, too.

Which Company is Best for Drivers After an Accident?

Progressive drivers who get in a collision can expect to see their rates increase by $65, while those who have insurance through Westfield will see about a $40 increase.

At the end of the day, the more affordable prices come from Westfield, with average premiums coming in at $152 compared to Progressive's $214.

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 -- typically a lot more than an accident or speeding ticket. Westfield drivers usually see a 52% increase in their auto insurance rates after a DUI charge, while Progressive will normally climb prices by around 16%.

Progressive has the overall cheapest premiums for drivers with a DUI on their records at $177 per month, but it's worth noting that Progressive's average rates come from 44 states compared to just one for Westfield, so the data may be skewed slightly.

How does Credit Score Impact Progressive and Westfield Rates?

Did you know many insurance carriers take your credit score into account when determining prices? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for several policyholders.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with less expensive premiums.

So, which company offers the most affordable rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Westfield will usually reward you the most. For drivers with "excellent" credit scores, Westfield comes in nearly NaN cheaper. Drivers with "good" credit scores generally save about 12% with Westfield compared to average prices from Progressive.

Which Company is Best for Drivers with Bad Credit?

Westfield typically offers lower rates than Progressive when it comes to drivers with bad credit. Drivers with "fair" credit pay around 17% a month less with Westfield compared to Progressive, and those with "poor" scores typically save an average of about 21% monthly.

Is Progressive 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 pretty big impact on your monthly premiums? Usually, the more milage you drive, the more you can expect to pay for coverage.

In this case, neither Progressive or Westfield report increasing rates for drivers with higher annual mileage figures. Still, Westfield comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average prices of $152 per month for both.

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

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a substantial impact as well. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more cars on the road where they live, which increases the chances of an accident.

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

Those in rural areas can expect to save around $10 with Westfield compared to Progressive. People who live in suburban areas pay about $19 less with Westfield compared to Progressive. For policyholders in urban ZIP codes, Westfield Insurance's average prices are around $55 less than Progressive.

Progressive 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 taking advantage of 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're eligible 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 looked at all of the different discounts Progressive and Westfield offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive knocks Westfield out of the park when it comes to the sheer number of discounts available, offering 34 different discounts to Westfield's 17.

There are a couple discounts both companies offer, but Progressive also offers discounts for advance quote, advanced safety feature, agency transfer, and more.

On the other hand, Westfield has a few proprietary discounts of their own for things like account relationship discounts, companion auto discounts, company car discounts, and more.

Final Thoughts: Is Progressive or Westfield Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, which carrier is the best company for you and your specific needs?

Westfield might be best for you if....

• You want to save money on your auto insurance after a collision.
• Your home is in a busy urban area.
• You want to save money while purchasing insurance for a teenager.

Progressive might be best for you if...

• You value the experience that comes with a large national auto insurance company.
• Your driving record includes a DUI charge.
• You're looking for discounts -- Progressive has the most.

Hopefully, this guide has ben a valuable resource as you compare Progressive and Westfield. We also hope we've given you the information you need to make the best decision when it comes to your car 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 Progressive and Westfield. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Progressive vs. Westfield FAQs

Is Progressive or Westfield cheaper?

Westfield is the less expensive of the two companies when looking at national average premiums, with policies averaging $152 a month with Westfield and $180 for Progressive. That being said, that doesn't mean Westfield will be the cheapest carrier for each policyholder, since there are several different factors that come into play when it comes to your auto insurance cost.

Who is better, Progressive or Westfield?

Unfortunately, the real answer is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, Westfield is more affordable for drivers with excellent credit, while Progressive offers cheaper prices for drivers with a recent DUI.

Why do Progressive and Westfield offer me different rates?

Insurance carriers use lots of different variables when calculating the premiums they charge. Factors like age, your driving record, gender, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Progressive and Westfield calculate rates using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if Progressive 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 a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Progressive 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.