Bristol West Auto Insurance Review (2024)
Bristol West offers non-standard car insurance to high-risk drivers, but rates with Bristol West are likely higher than those with many other companies.
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
Bristol West
Average Monthly Rate For Good Drivers
$192A.M. Best Rating:
A- (Excellent)Complaint Level:
HighPros
- Coverage for high-risk drivers
- The option to work directly with an agent
- SR-22 coverage
- Multiple payment options
- Availability in several states
Cons
- High rates for drivers with good driving records
- Numerous customer complaints
- Limited coverage and discount options
- Bristol West offers non-standard car insurance to high-risk drivers in the U.S.
- The company provides SR-22 filings
- Rates with Bristol West are higher than average
If you’re searching for car insurance, you may have several companies in mind. However, finding proper coverage and cheap car insurance can be challenging if you have a bad driving record.
Bristol West offers non-standard auto insurance coverage to individuals with DUIs, accidents, and other driving violations. While rates with Bristol West are higher than average, you may want to consider Bristol West if you’re a high-risk driver.
What You Should Know About Bristol West Insurance Services Inc.
Bristol West has an A- (excellent) financial strength rating with A.M. Best. The company also has an A rating with the Better Business Bureau (BBB). Unfortunately, the BBB website shows many complaints from Bristol West customers.
According to the National Association of Insurance Commissioners, Bristol West insurance reviews cite poor customer service, inconsistent billing, and a poorly-constructed website as their top issues with the company.
If you’re considering an insurance policy with Bristol West, read customer reviews beforehand to better understand the company’s pros and cons.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
What is Bristol West Insurance?
Bristol West Insurance Company is a subsidiary of Farmers Insurance. As a Farmers Insurance subsidiary, Bristol West carries a solid financial strength background and is available in many U.S. states.
Bristol West offers agent-based insurance quotes in most states. So anyone interested in purchasing a policy with Bristol West may have to contact a company agent to get started. Fortunately, with an insurance agent, you have a contact person if you need to file a claim, make a payment, or ask policy questions.
Unfortunately, many agent-based companies offer pricier policies than those without agents. In some cases, interested individuals can find Bristol West insurance quotes online. Still, this option varies based on location and isn’t always accurate.
Bristol West Insurance Services Inc. Insurance Coverage Options
Bristol West offers some standard auto insurance coverages, like:
Bristol West Coverage Options
| Coverage | Description |
|---|---|
| Bodily Injury Liability | Covers medical expenses, lost wages, and legal fees if you're at fault in an accident that injures someone else. |
| Property Damage Liability | Pays for damage you cause to another person's property with your vehicle, including repairs to their vehicle or property structures. |
| Medical Payments | Helps cover medical or funeral expenses for you or your passengers after an accident, regardless of fault. |
| Uninsured/Underinsured Motorist | Protects you if you're in an accident with a driver who either lacks insurance or doesn't have enough insurance to cover your expenses. |
Bristol West provides full coverage policies that encompass both collision and comprehensive auto insurance. Additionally, the company offers a range of supplementary coverage options, including:
Bristol West Additional Coverage Options
| Coverage | Description |
|---|---|
| GAP Insurance | Covers the difference between the actual cash value of your vehicle and the balance still owed on the financing (car loan or lease) if your car is totaled or stolen. |
| Rental Car Coverage | Provides insurance coverage for rental vehicles, often including liability, collision, and comprehensive coverage, protecting you from potential out-of-pocket expenses while using a rental car. |
| Rental Car Reimbursement | Pays for a rental car while your vehicle is being repaired for a covered claim, up to a specified limit. |
| Rideshare Coverage | Extends your personal auto insurance to fill the gaps when you're driving for a rideshare company like Uber or Lyft, covering periods when the rideshare company's insurance may not. |
| Roadside Assistance | Provides services such as towing, flat tire change, battery jump-start, and lock-out assistance when your car breaks down. |
| Towing | Covers the cost of towing your vehicle to a repair shop if it cannot be driven due to a covered loss or mechanical breakdown. |
Bristol West offers a full coverage policy that includes both collision and comprehensive auto insurance. In addition to these key components, the company also provides various additional coverage options.
Bristol West Insurance Services Inc. Insurance Rates Breakdown
Rates with Bristol West depend on several factors including driving history, coverage options, and more. For example, you can expect to pay higher rates if you have a DUI or multiple traffic violations on your driving record.
The table below shows how your rates if you have a DUI, ticket, or at-fault accident on your record. This will help you better understand what you can expect to pay with Bristol West.
Bristol West vs. Competitors: Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| Allstate | $225 | $270 | $188 | $160 |
| American Family | $176 | $194 | $136 | $117 |
| Auto-Owners | $127 | $130 | $105 | $87 |
| Bristol West | $190 | $220 | $140 | $92 |
| Farmers | $198 | $193 | $173 | $139 |
| Geico | $132 | $216 | $106 | $80 |
| Liberty Mutual | $234 | $313 | $212 | $174 |
| Mercury | $114 | $126 | $95 | $77 |
| Nationwide | $161 | $237 | $137 | $115 |
| Progressive | $186 | $140 | $140 | $105 |
| State Farm | $102 | $140 | $96 | $86 |
| Travelers | $139 | $206 | $134 | $99 |
| USAA | $78 | $108 | $67 | $59 |
| U.S. Average | $173 | $209 | $147 | $119 |
Rates for drivers with these violations will be higher than those with a clean record. If you have a clean driving record, you may find cheaper rates with other companies that don’t offer auto insurance to high-risk drivers.
Besides your driving record, the amount of coverage you select will greatly influence your rates. The table below shows the average monthly rates for minimum coverage compared to other competitors.
Bristol West vs. Competitors: Full Coverage Auto Insurance Average Rates
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Bristol West | $92 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Mercury | $77 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
Rates increase drastically when you add on collision and comprehensive coverages, also known as full coverage.
Bristol West vs. Competitors: Minimum Coverage Auto Insurance Average Rates
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $61 |
| American Family | $44 |
| Auto-Owners | $33 |
| Bristol West | $35 |
| Farmers | $53 |
| Geico | $30 |
| Liberty Mutual | $68 |
| Mercury | $29 |
| Nationwide | $44 |
| Progressive | $39 |
| State Farm | $33 |
| Travelers | $37 |
| USAA | $22 |
| U.S. Average | $45 |
Shop online and compare car insurance rates with multiple providers to see which company offers the coverage you need at the best price for your unique situation.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Bristol West Insurance Services Inc. Discounts Available
Policyholders can take advantage of several discount options with Bristol West, such as:
Bristol West Auto Insurance Discounts
| Discount | Description |
|---|---|
| Automatic Payments | Receive a discount for setting up automatic payments from your bank account, ensuring your premium is paid on time without manual intervention. |
| Electronic Payments | Save on your premium by choosing to make payments electronically, reducing processing and administrative costs. |
| Homeowner | Homeowners qualify for a discount, reflecting the statistical correlation between home ownership and responsible driving behavior. |
| Multi-Car | Insure more than one vehicle with Bristol West and receive a discount on each vehicle's premium, rewarding customer loyalty and bulk insuring. |
| Multi-Policy | Bundle different types of policies (e.g., auto and home insurance) with Bristol West to receive a discount on your premiums. |
| Non-Owner | A discount for drivers who insure a car they do not own, typically applied to those who frequently rent or borrow cars. |
| Paid-In-Full | Pay your policy's premium in one lump sum to receive a discount, as it saves the company on transaction processing fees. |
| Paperless | Opting for digital correspondence and billing can earn you a discount, promoting environmental sustainability and operational efficiency. |
| Safe Driver | Drivers with a clean driving record over a specified period may qualify for a discount, rewarding safe and responsible driving behavior. |
Discounts can help individuals save a significant amount on insurance premiums. If you qualify for one or more discounts listed above, you could speak with a Bristol West agent and ask how much you can save on coverage.
Frequently Asked Questions
Who owns Bristol West?
Bristol West is a subsidiary of Farmers Insurance.
How can I get a Bristol West car insurance quote?
You can get a free online insurance quote on the company’s website or by calling 866-228-4622.
How do I file a claim with Bristol West?
You can file a claim on the company website or by calling 800-274-7865.
Where is Bristol West available?
Bristol West is available in every state except Alaska, Washington D.C., Delaware, Hawaii, North Carolina, Rhode Island, Vermont, and West Virginia.
What is Bristol West Auto Insurance?
Bristol West Auto Insurance is an insurance company that provides auto insurance coverage to drivers. They offer a range of policies designed to protect against financial loss resulting from accidents, damages, or theft involving vehicles.
What types of coverage does Bristol West Auto Insurance offer?
Bristol West Auto Insurance typically offers a variety of coverage options, including:
- Liability coverage: This covers bodily injury and property damage caused by you in an accident.
- Collision coverage: This pays for damages to your vehicle resulting from collisions with another vehicle or object.
- Comprehensive coverage: This protects against damages to your vehicle from non-collision incidents, such as theft, vandalism, or natural disasters.
- Medical payments coverage: This helps pay for medical expenses for you and your passengers if injured in an accident.
- Uninsured/underinsured motorist coverage: This provides coverage if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.
Are there any discounts available with Bristol West Auto Insurance?
Bristol West Auto Insurance may offer various discounts to help policyholders save on their premiums. These discounts can include safe driver discounts, multi-policy discounts, good student discounts, and discounts for safety features in your vehicle. It’s recommended to inquire about the available discounts when obtaining a quote or speaking with an insurance agent.
How is Bristol West Auto Insurance rated in terms of customer satisfaction?
Customer satisfaction ratings can vary based on individual experiences and regional factors. To assess Bristol West Auto Insurance’s customer satisfaction, it’s advisable to research and review customer feedback specific to your area. Online reviews, consumer advocacy organizations, and industry rating agencies can provide insights into the company’s customer service, claims handling, and overall satisfaction levels.
Can I manage my Bristol West Auto Insurance policy online?
Yes, Bristol West Auto Insurance typically offers online account management tools that allow policyholders to view and manage their policies, make payments, update personal information, and file claims. These online services provide convenience and accessibility for policyholders.
Does Bristol West Auto Insurance offer roadside assistance?
Yes, Bristol West Auto Insurance offers optional roadside assistance coverage. This coverage provides assistance if your vehicle breaks down or if you need help with services like towing, fuel delivery, battery jump-start, flat tire change, and lockout assistance. Roadside assistance can provide peace of mind during unexpected situations on the road.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Buzarsmichelle_gmail_com
Worst company ever
Miichelle
Ripoff
Phoenix-Fire
This is straight up theft!
Bristol_Scam
Bristol West is a scam
grumpygringo
Bad insurance company shady practices.
Jtobiasson_
Bad business practices
Muhammad_Abdullahi
Charging extra Money!
Ayoub_Khan
Horrible Experience with company.
Lexabshi03
Don’t even bother…
bkelly66
poor customer service