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

Quick Facts

• Looking at the national averages for insurance, Westfield offers slightly more affordable premiums than State Farm
• State Farm offers more affordable rates for drivers with a DUI charge on their record
• Westfield tends to be a much cheaper option for policyholders who live in suburban areas

State Farm 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 substantial discounts. But exactly how much can you save by switching?

You might have narrowed it down to State Farm or Westfield as potential options, but which one will save you the most?

Looking at nationwide averages, Westfield is about $6 per month less expensive than State Farm.

Even so, Westfield may not be the lowest or best option for every single driver out there. Car insurance companies use tons of complex algorithms to calculate premiums, so depending on how good your credit score is or where you live (among a wide array of other factors), you could see wildly different rates from the ones above.

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

State Farm or Westfield: Average Car Insurance Rates by State

State Farm and Westfield only compete against each other in West Virginia, where State Farm offers the cheaper average premiums. For West Virginia residents, State Farm offers auto insurance for $86 a month on average. Westfield's average prices come out to be over 70% more expensive, at $152 per month.

That being said, there's a lot more that goes into your insurance bill than just where you live. 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 rates of any group out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Westfield save more than $25 a month compared to those who use State Farm. It's worth noting that State Farm offers car insurance in 51 different states compared to Westfield's one, which can skew the average rates a bit, but the difference here is still considerable.

However, with both carriers, you'll see your prices reduce significantly by the time you turn 25.

Which is the Best Company for Retired Drivers?

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

When looking at State Farm and Westfield specifically, which carrier is best for retired drivers? Westfield gets the slight edge here, with average prices coming in at around $110 monthly compared to State Farm's $111. That being said, the difference is only about 5%, so other factors will likely come into play when determining which company has the cheapest premiums for you.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more affordable for married couples than they are for single drivers. That's usually because married drivers tend to own and insure more than one car, which can often earn you a discount.

If you're in the market for auto insurance, Westfield tends to have the lowest average prices regardless of marital status, with prices around $4 less expensive for those who are single and nearly $10 cheaper for married policyholders.

State Farm vs. Westfield: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they run a larger risk of filing a claim with insurance. Therefore, men generally pay more for insurance than women.

With State Farm, women normally pay about 7% per month less than men, and around 9% less with Westfield.

When it comes to the most affordable rates for each gender, Westfield offers the lowest average premiums for both men and women, with average prices $5 less for men and $8 cheaper for women.

State Farm 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.

Car insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

In this case, Westfield offers the cheapest average rates for state minimum liability limits, while State Farm has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $35 with Westfield Insurance, while full coverage comes out to be about $25 more affordable with State Farm.

Is State Farm or Westfield Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

You'll probably end up paying more with at-fault collisions and tickets on your record, but which of these two carriers offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Westfield insurance policies don't report seeing their premiums increase after getting a ticket, but State Farm policyholders can expect to see their monthly bill increase by around 15%.

But Westfield has cheaper rates for drivers in both categories, offering prices that are 16% and 28% less expensive, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

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

Overall, the cheaper prices come from Westfield, with monthly rates averaging $152 compared to State Farm's $163.

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. On average, Westfield will increase your prices around 52% after a DUI, while State Farm's average premiums increase by over 25%.

State Farm has the overall lowest rates for drivers with a DUI on their records at $179 a month, but it's worth noting that State Farm's average rates come from 51 states compared to just one for Westfield, so the data may be skewed slightly.

How does Credit Score Impact State Farm and Westfield Rates?

Did you know that many auto insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect several policyholders out there.

Car insurance companies 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.

So, which carrier offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with State Farm. Policyholders with "excellent" credit can save just under 35% compared to Westfield, and those with "good" scores can also expect to see savings -- about $33 or 24% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay around $3 less with State Farm than Westfield, but those whose credit is considered "poor" have it flipped -- saving about $105 a month with Westfield.

Is State Farm 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 insurance payment. That's because the fewer miles you drive, the less likely you are to get into a collision and cause 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 State Farm, with policyholders who drive 6,000 miles each year paying around $13 less every month compared to those who drive 12,000 miles yearly.

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

Where you call home can play a large role in how much you pay for auto insurance. Typically, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads in those areas.

Westfield boasts the cheapest average rates in urban and suburban areas, while State Farm wins in rural areas.

In urban areas, Westfield Insurance's average premiums are about $33 less than State Farm. Drivers in suburban ZIP codes pay around $1 less with Westfield compared to State Farm. If you live in a rural area, you can expect to save about $17 with State Farm compared to Westfield.

State Farm vs. Westfield Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Below, we've taken a look at all of the different discounts State Farm and Westfield offer their customers so that you can see which carrier can save you the most money each month.

State Farm knocks Westfield out of the park when it comes to the sheer number of discounts available, offering 23 different discounts to Westfield's 17.

There are a couple discounts both carriers offer, but State Farm also offers annual mileage discounts, drive safe & save discounts, DRL 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 State Farm or Westfield Best for You?

So, we've broken down the average rates for many of the variables insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is State Farm or Westfield the best company for you and your specific driver profile?

Westfield might be best for you if....

• You live in one of the following states: West Virginia.
• Your neighborhood is in the suburbs.
• You are over 65 years old and want to save some money on your auto insurance.

State Farm might be best for you if...

• You are considering moving to another state -- Westfield Insurance is only available in West Virginia.
• You care about discounts (State Farm offers the most).
• You live in a rural neighborhood.

We hope this guide helps you get a good idea of the differences between State Farm and Westfield and that you can now make a more informed 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 auto insurance policy is to compare quotes from multiple carriers, not just State Farm and Westfield. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

State Farm vs. Westfield FAQs

Is State Farm or Westfield cheaper?

Looking just at the national average prices, Westfield is the less expensive of the two carriers, offering average rates of $152 per month compared to $158 for State Farm. Even so, Westfield won't necessarily be the most affordable company for everyone, since there are a variety of different factors that come into play when it comes to your insurance cost.

Who is better, State Farm or Westfield?

Unfortunately, the only answer we can give you is "it depends.". No single carrier is "better" for each driver -- it all boils down to your unique auto insurance profile.

Why do State Farm and Westfield offer me different rates?

Insurance companies take a look at lots of different variables when determining the rates they charge policyholders. Factors like age, your driving record, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both State Farm and Westfield calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from a range of different carriers.

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

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