West Bend Auto Insurance Review for 2025 (Impartial Company Report)

Our West Bend auto insurance review found that West Bend has competitive full coverage rates and low customer complaint scores.

West Bend Mutual Insurance Company offers lower rates for full coverage, even for drivers with poor records. Additionally, West Bend boasts a low NAIC complaint score of just 0.22, which indicates fewer customer complaints than most competitors.

West Bend Auto Insurance Rating

Rating Criteria
Overall Score	3.6
Business Reviews	4.0
Claims Processing	4.0
Company Reputation	4.0
Coverage Availability	3.7
Coverage Value	3.4
Customer Satisfaction	4.1
Digital Experience	4.0
Discounts Available	4.0
Insurance Cost	3.3
Plan Personalization	4.0
Policy Options	2.5
Savings Potential	3.5

These factors make West Bend Insurance most beneficial for drivers who prioritize full coverage or those looking for cheap auto insurance with a bad driving record.

However, there are some drawbacks, such as West Bend’s limited availability in only 14 states and higher rates for drivers seeking minimum coverage. It’s crucial to compare quotes from multiple insurers to ensure that your chosen company’s coverage and rates are the best fit for your needs.

West Bend Auto Insurance Rates

Is West Bend insurance expensive? Several key factors, including driving record, age, and coverage level, will influence your West Bend car insurance rates.

Age plays a significant role in determining rates, as younger drivers face higher premiums due to lack of experience. Take a look at average quotes at West Bend below to see the factors that affect auto insurance rates.

West Bend Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

The level of West Bend auto insurance coverage selected also directly affects rates. Customers who choose higher coverage limits, such as a full coverage policy, will have higher rates. While choosing minimum coverage can help keep rates lower, it does offer less financial protection to customers.

Driving record also influences rates at West Bend. A clean driving record means lower rates, as West Bend views drivers with safe driving histories as less risky.

On the other hand, a history of accidents or traffic violations can raise rates due to the higher likelihood of future claims.

West Bend Auto Insurance Rates vs. The Competition

If you are in the market for full coverage auto insurance, West Bend offers competitive rates compared to other major companies. However, West Bend is a pricier choice for those looking for minimum coverage for their vehicle, as you can see in the rates displayed below.

West Bend Auto Insurance Monthly Rates Compared to Competitors by Coverage

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$53	$248
	$102	150

Because coverage levels are just one factor that determines rates, we also want to see how West Bend compares to competitors based on customers’ driving records.

Below, you can see average rates among companies for drivers with clean driving records versus drivers with accidents, tickets, or DUIs.

West Bend Auto Insurance Monthly Rates Compared to Competitors by Driving Record

Driving Record	Clean Record	One Accident	One DUI	One Ticket
	$228	$321	$385	$268
	$166	$251	$276	$194
	$198	$282	$275	$247
	$114	$189	$309	$151
	$248	$335	$447	$302
	$164	$230	$338	$196
	$150	$265	$200	$199
	$123	$146	$160	$137
	$248	$199	$294	$192
	$131	$145	$165	$180

When looking at the average rates by driving record, West Bend is a great choice. It provides competitive rates that are often more affordable than those of many competitors, particularly for drivers with less-than-perfect records.

Coverage Options at West Bend Insurance Company

Now that you know how much West Bend insurance costs on average, we want to explore what you can get for your monthly payments to West Bend. Take a look at the complete list of coverages it offers to customers below.

West Bend Auto Insurance Coverage Options

Some less common coverages that are missing from West Bend include new car replacement and modified car coverage. However, in addition to standard types of auto insurance like collision and comprehensive coverage, West Bend offers optional add-ons like TravelNet coverage, which is similar to roadside assistance.

The company has useful programs like the Silver Lining Repair Program. If your vehicle needs repaired, you can opt to choose one of West Bend’s trusted repair shops. West Bend also offers gap coverage for new vehicles, which ensures you don’t lose money if your new car is totaled.

Discount Availability on West Bend Insurance

If you are looking to save at West Bend, there are some discounts that you can apply to your policy to lower rates. See below if you qualify for any West Bend auto insurance discounts.

West Bend Auto Insurance Discounts and Percentages

If you aren’t sure if you qualify for a discount, you can call the West Bend insurance phone number at 1-262-334-5571 or ask your agent about eligibility.

The multi-policy discount at West Bend is the largest discount available (Read More: How to Save Money by Bundling Insurance Policies). There are also small discounts available for simple things like going paperless and signing up for auto payments.

With West Bend’s standard coverages, you can also adjust your deductibles as needed to lower your auto insurance rates. Just make sure that your deductible is something you can still pay out of pocket on a covered claim.

Customer Reviews of West Bend Auto Insurance

Reading through West Bend customer reviews can help interested drivers understand how West Bend handles issues like claims and its customer service. Take a look at the Reddit thread below to see what customers think of West Bend insurance.

West Bend Insurance Company Business Ratings

Because customers don’t always offer the most accurate assessment of a company, especially if they are unhappy with it, it is also important to look at West Bend’s business ratings (Read More: Best Auto Insurance Companies According to Consumer Reports).

So, what is West Bend insurance ranked? The table below contains multiple important ratings, from the West Bend Mutual A.M. Best rating to NAIC complaints.

West Bend Auto Insurance Business Ratings & Consumer Reviews

Agency
	Score: A Excellent Financial Strength
	Score: A+ Excellent Business Practices
	Score: 84 / 100 High Customer Satisfaction
	Score: 849 / 1,000 Above Avg. Satisfaction
	Score: 0.22 Fewer Complaints Than Average

All of West Bend’s ratings are excellent. According to A.M. Best and BBB, it has solid financial strength and business practices, meaning it will be able to pay out claims.

J.D. Power also found that customers are more than satisfied with West Bend, and the NAIC found that it has fewer complaints than the average. West Bend also has a good customer satisfaction score based on Consumer Reports.

Pros and Cons of West Bend Insurance

Considering the pros and cons of West Bend should help you decide if the company is right for you. West Bend has several advantages for customers, such as competitive rates and few customer complaints.

• Competitive Full Coverage Rates: West Bend offers full coverage rates on the lower end, even for drivers with poor driving records.
• Low Customer Complaints: West Bend has a 0.22 score from the NAIC, which is lower than average.
• Discount Opportunities: West Bend has discounts for bundling insurance, setting up auto-pay, and more (Learn More: Best Auto-Pay Insurance Discounts).

West Best has some great perks for potential customers. However, there are some downsides to consider, such as West Bend’s availability.

• Availability: West End is only sold in 14 states (Arizona, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, North Carolina, Ohio, Tennessee, Virginia, and Wisconsin).
• Higher Minimum Coverage Rates: While West End is affordable for full coverage, drivers who want to carry just minimum coverage will find cheaper rates elsewhere.

It’s important to weigh these pros and cons to ensure that a policy from West Bend meets both your coverage needs and budget while also considering the level of service you expect.

Deciding if West Bend Auto Insurance is Right for You

Our West Bend auto insurance review found that it offers competitive full coverage rates, even for drivers with poor records, making it a great option for those seeking comprehensive protection. West Bend also stands out with its impressive customer satisfaction ratings, with a low 0.22 score for customer complaints from the NAIC.

However, West Bend is less ideal for drivers only looking to carry the minimum auto insurance requirements by state, as rates tend to be higher than competitors. Its limited state availability also means that interested drivers may not be able to buy it in their state.

Remember to compare multiple car insurance companies online with our free quote tool to find the best policy that fits both your needs and budget, ensuring you get the right coverage at the most competitive rate.