Auto Insurance Comparison
Westfield vs Root
Side-by-side comparison of Westfield vs Root auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Westfield edges ahead Root in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Westfield | Root | |
|---|---|---|
| Overall score | 3.90 /5 ★★★★★ Highest overall | 3.60 /5 ★★★★★ |
| Best for | Westfield Insurance is an Ohio-rooted mutual operating in 10 states across the Midwest and South | Root is a digital-native carrier built around a test-drive model — you install the app, drive for ~3 weeks, and Root prices your policy based on actual driving behavior |
| Read full review | Westfield review → | Root review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Westfield | Root |
|---|---|---|
| Customer experience | 4.00 | 3.50 |
| Coverage breadth | 4.00 | 3.50 |
| Affordability | 3.70 | 3.80 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Westfield
Full review →Pros
- Mutual structure with long operating history (1848)
- Solid claims-handling and customer satisfaction reputation
- Multi-line bundling — auto, home, umbrella, business
- Independent agent distribution with state-specific expertise
Cons
- Available in 10 Midwest/South states only
- No online quoting — every policy through an agent
- Pricing is mid-market, not a budget option
Root
Full review →Pros
- Low-mileage drivers
- Drivers who do everything to keep themselves safe on the road
- Prospective customers want to save on renters and vehicle insurance.
Cons
- high-risk drivers in the high-risk categories.
- Insurance agents who prioritize work
- drivers who seek a comprehensive insurance plan
Coverage at a glance
What each carrier offers in standard policies.
Westfield
Root
The bottom line
Westfield
Westfield is a solid regional in its 10-state footprint, particularly for multi-line bundling. Outside that footprint, it isn't an option.
Read the full Westfield reviewRoot
Root is worth trying if you're a genuinely safe driver who's comfortable with a 3-week test and digital-only service. If you need immediate coverage or prefer human agents, look elsewhere.
Read the full Root reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.