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Security National Auto Insurance Review for 2025 (See Rates & Discounts Here)

Our Security National auto insurance review found that Bristol West, its parent company, specializes in high-risk coverage in Florida and Texas, with rates from $41 per month. Backed by an A rating from A.M. Best, it has the financial strength to handle Security National claims reliably.

UPDATED: Mar 22, 2025Fact Checked

Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...

Insurance Content Team Lead

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

UPDATED: Mar 22, 2025

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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: Mar 22, 2025

Advertiser Disclosure

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.

UPDATED: Mar 22, 2025Fact Checked
3.6
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Security National Insurance Company (Bristol West)

Monthly Rate:

$41

A.M. Best Rating:

A

Complaint Level:

Low

Pros

  • Low rates for high-risk drivers and those with bad credit
  • Save 20% with good driver and anti-theft discounts
  • Includes non-owner and rideshare coverage

Cons

  • Only in Texas and Florida
  • Poor claims satisfaction reviews
The Security National insurance company mostly sells auto coverage products through Bristol West Insurance Group. Through this parent company, customers are promised quality service when claims are filed. The Security National company is a member of Farmers Insurance; it has the backing of a large insurance company with years of experience. Plus, Farmers is rated in our list for best companies for auto insurance. Not yet ready to buy Security National auto insurance? Read our guide for more information. Or get free auto insurance quotes right now by entering your ZIP code into our free tool.

Our Security National auto insurance review found it now operates as Bristol West and offers specialized, high-risk policies starting at $41 per month (Learn More: Bristol West Auto Insurance Review).

Security National Auto Insurance Rating

Rating CriteriaSecurity National
Overall Score3.6
Claim Processing3.4
Company Reputation4.0
Coverage Availability4.7
Coverage Value3.2
Customer Satisfaction2.5
Digital Experience4.0
Discounts Available4.0
Insurance Cost3.9
Plan Personalization4.0
Policy Options2.5
Savings Potential3.9
Business Reviews3.0

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Security National and Bristol West are both Farmers subsidiaries. So, existing Security National policies now fall under Bristol West, with no action required. See how Farmers’ reputation supports Security National insurance policies in our Farmers review.

Call the Security National auto insurance phone number at 1-888-888-0080 for more information.

Things to Remember

  • Security National policies now go through Bristol West
  • The company specializes in high-risk coverage, with rates from $41 monthly
  • Save 20% with its good driver and multi-car discounts

Compare Bristol West Insurance, formerly Security National, to top providers near you using our free quote comparison tool.

Security National Auto Insurance Cost

The Security National Insurance Company’s rates can vary by driver age, record, gender, and state law. Check out these rates for Security National insurance policies, now administered by Bristol West:

Security National Auto Insurance Monthly Rates by Coverage Level

Age & GenderMinimum CoverageFull Coverage
16-Year-Old Female$220$566
16-Year-Old Male$252$618
18-Year-Old Female$179$416
18-Year-Old Male$216$501
25-Year-Old Female$52$138
25-Year-Old Male$57$150
30-Year-Old Female$49$128
30-Year-Old Male$53$139
45-Year-Old Female$46$119
45-Year-Old Male$45$119
60-Year-Old Female$41$106
60-Year-Old Male$43$110
65-Year-Old Female$45$117
65-Year-Old Male$45$117

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For example, a driver in their 60s with a clean record might pay as little as $41 per month for liability car insurance.

High-Risk Auto Insurance Definition Card: Security National Auto Insurance Review

However, insurance companies often charge higher premiums to high-risk drivers with accidents or traffic violation records. See what you could pay for Security National coverage through Bristol West based on your driving record:

Security National Auto Insurance Monthly Rates by Driving Record

ViolationMinimum CoverageFull Coverage
Clean Record$48$117
1 Ticket$62$160
1 Accident$100$190
1 DUI$130$250

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Compared to State Farm, The Security National Insurance Company offers the cheapest rates to drivers with a clean record. For those interested in estimating the cost of auto insurance for a new car, the vehicle manufacturer and model, safety technology, and driving records significantly affect the final quote.

In addition, rates with Security National can more than double after an accident.

Driving violations like accidents, DUIs, and tickets show insurers that you're a high-risk driver, which can raise your rates.

Travis Thompson Licensed Insurance Agent

For more help, call the Security National insurance company phone number at 1-888-888-0080.

Security National Cost vs. Competitors

Security National may be a good deal for high-risk drivers, but if you have a clean record, other providers could have cheaper rates. Compare insurance quotes for Security National vs. top providers to find your best deal:

Minimum Coverage Auto Insurance Monthly Rates by Age & Gender

CompanyAge 18: FemaleAge 18: MaleAge 30: FemaleAge 30: MaleAge 45: FemaleAge 45: MaleAge 60: FemaleAge 60: Male
Allstate: Security National Auto Insurance Review$193$223$64$67$61$62$59$60
American Family: Security National Auto Insurance Review$131$178$43$51$43$170$40$150
Farmers: Security National Auto Insurance Review$315$271$61$64$53$53$47$50
Geico: Security National Auto Insurance Review$93$107$32$32$30$30$28$29
Nationwide: Security National Auto Insurance Review$131$167$53$48$43$44$39$41
Progressive: Security National Auto Insurance Review$251$281$48$50$41$39$35$36
Security National$220$255$55$58$48$50$45$46
State Farm: Security National Auto Insurance Review$101$125$36$39$33$33$30$30
Travelers: Security National Auto Insurance Review$223$310$37$40$37$37$35$35
USAA: Security National Auto Insurance Review$78$88$28$30$22$22$21$21

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As you can see, rates with Security National are generally higher than those of most top competitors, such as Geico and State Farm. However, this could be a great deal for high-risk drivers having trouble finding a policy.

Auto Insurance Monthly Rates: Clean Record vs. One Ticket by Provider

CompanyClean RecordOne Ticket
Allstate: Security National Auto Insurance Review$61$72
American Family: Security National Auto Insurance Review$44$51
Farmers: Security National Auto Insurance Review$53$66
Geico: Security National Auto Insurance Review$30$39
Nationwide: Security National Auto Insurance Review$44$53
Progressive: Security National Auto Insurance Review$39$52
Security National$48$62
State Farm: Security National Auto Insurance Review$33$37
Travelers: Security National Auto Insurance Review$37$51
USAA: Security National Auto Insurance Review$22$25

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Rates for Security National after a ticket start at $62 monthly, which is still higher than most other companies. Enter your ZIP code into our free quote tool to see if Security National is right for you.

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Security National Auto Insurance Coverage Options

Managed by Bristol West, Security National provides all the basic coverage options you’d expect from most providers, including:

You’ll also find various add-on coverages to enhance your Security National policy with Bristol West, listed here:

Security National Auto Insurance Optional Coverages & Benefits

Add-On CoverageWhat it Covers
Vanishing DeductibleReduces your deductible by $250-$500 for each claim-free year.
Gap InsuranceCovers the gap between your car's value and loan balance if totaled.
New Car ReplacementReplaces a brand-new car with a similar model if it's totaled.
Rental Car ReimbursementPays $50 per day for up to 30 days during vehicle repairs.
Rideshare InsuranceExtends coverage to Uber and Lyft drivers while working.
Roadside AssistanceProvides towing, jump-starts, tire changes, and lockout services.

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In addition, Security National makes it easy to comply with state insurance laws if you need to file an SR-22. For coverage questions, the Security National car insurance customer service phone number is 1-888-888-0080.

Read More: How to Check if a Vehicle Has Auto Insurance Coverage

Security National Auto Insurance Discounts

Security National insurance company, through Bristol West, has many discounts to help policyholders lower premiums. Some of the most significant discounts include the following:

Security National Auto Insurance Discounts by Savings Potential

DiscountSecurity National
Good Driver20%
Multi-Policy15%
Good Student15%
Multi-Car12%
Distant Student12%
Defensive Driving10%
Affinity8%
Good Payer7%
Homeowner7%
AutoPay5%
Paperless5%

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This company will also benefit those seeking the best motorcycle insurance discounts.

For questions about discounts and coverage, contact the Security National insurance phone number, which is for Bristol West customer service, at 1-888-888-0080.

What Customers Say About Security National Auto Insurance

Reviews of the Security National Insurance Company in Florida – managed by Bristol West – show some Reddit users enjoy its low rates and fast claims processing.

However, some customers report inconsistent customer service. One Redditor praised the lower price point but struggled to resolve billing disputes.

thoughts of bristol west for auto insurance?
byu/CreativeDrawer9460 inInsurance

Security National Insurance Company reviews on Yelp also show customers dealing with billing issues and policy cancellations. According to one Yelp user, Security National failed to follow up on a claim they filed against a policyholder, even after numerous calls and emails.

The Security National Insurance Company has competitive rates, but some areas require improvement, such as customer service. See the top auto insurance companies with the best customer service here.

Security National Third-Party Ratings

Always consider company ratings to see what customers think and whether the company is financially stable. According to reviews of Security National Insurance Company, it has a financial strength rating of A from A.M. Best through Bristol West, which shows strong claims handling.

Security National Insurance Business Ratings & Consumer Reviews

AgencySecurity National
J.D. Power TablePress LogoScore: 850 / 1,000
Above Avg. Satisfaction
Score: A
Good Customer Service
Consumer Reports TablePress LogoScore: 78/100
Positive Customer Feedback
Score: 0.70
Fewer Complaints than Avg.
A.M. BestScore: A
Excellent Financial Strength

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In addition, the Security National Insurance Company has a lower-than-average complaint index than most other top providers, meaning customers are satisfied with their Bristol West policy.

Learn More: Can a private auto insurance company meet my needs?

For questions or support, call the Security National Insurance Company auto insurance phone number at 1-888-888-0080.

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How to File Security National Insurance Company Claims

If you need to reach Security National about an insurance claim, your claim will be processed through its parent company Bristol West. Follow these simple steps to file Security National car insurance claims:

  1. Gather Relevant Info: Have key details like your policy number, accident date and location, damage photos, contact information for involved parties, and a police report.
  2. Report the Incident: Call the phone number for Security National auto insurance claims at 1-800-274-7865, which is Bristol West’s claims number for Security National policies. See how long after a car accident you have to file a claim here.
  3. Work With the Adjuster: After reviewing the damage, your claims adjuster may ask for additional documents, such as repair estimates, witness statements, or medical bills, before making a settlement offer.

After completing the Security National insurance auto claims process, you can expect to hear back on your claim – now handled by Bristol West – within 7 to 14 days, but it could take longer depending on the complexity of your case.

Security National Auto Insurance Review: Bristol West Site Screenshot

For more details, check out “How to File an Auto Insurance Claim” for step-by-step instructions on the claims process.

Why Security National is Great for SR-22 Auto Insurance

Security National provides specialized high-risk coverage from $41 monthly if you’re looking to meet SR-22 requirements. They also offer unique add-ons like rideshare insurance for Uber or Lyft drivers, as well as gap insurance for those with outstanding loan balances.

While Security National has good financial ratings via Bristol West, its parent company, it’s not the cheapest provider. Also, some users complain that Security National insurance customer service isn’t helpful.

Compare minimum auto insurance rates now with our free quote tool and see how providers like Security National compare in price.

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Frequently Asked Questions

Is Security National legit?

Yes, Security National Insurance Company is a legit insurance company managed by Bristol West, which is owned by Farmers Insurance. While it has low rates for SR-22 coverage, customers report billing and customer service concerns.

Who owns the Security National Insurance Company?

Many readers ask, “Is Security National the same as Bristol West?” Security National is owned by Bristol West, a subsidiary of Farmers.

Learn More: Farmers Auto Insurance Review

What is the Security National Insurance Company address?

The mailing address with Security National, now Bristol West, is P.O. Box 248834, Oklahoma City, OK 73124-8834. On the other hand, the Security National auto insurance claims address is P.O. Box 258806, Oklahoma City, OK 73125-8806.

How much does Security National auto insurance cost?

Monthly rates with Security National (now Bristol West) start at $41 per month. However, premiums vary based on age, driving history, location, and coverage level.

What types of coverage does Security National offer?

Security National offers a variety of coverage options, including liability, comprehensive, collision, and gap insurance. They also provide SR-22 insurance filings for those required by law.

Are there discounts available with Security National?

Security National discounts policyholders for good driving, paperless billing, and electronic payments. Discounts may vary by state and policy type.

Is TD insurance the same as Security National?

No, Security National Insurance Company through Bristol West is not the same as Security National Insurance Company under TD insurance in Canada.

Can I get gap insurance with Security National?

Security National offers gap insurance, which covers the difference between your car’s current value and the amount you owe on your loan. This coverage is beneficial for vehicles still under a loan. If you’re asking how often auto insurance is paid, knowing how payment frequency can affect your overall insurance management is essential.

How do I contact Security National?

The Security National car insurance company phone number is 1-888-888-0080, which directs to Bristol West. In addition, the auto claims phone number for the Security National Insurance Company is 1-800-274-7865.

Where does Security National offer coverage?

Drivers can get Security National auto insurance in Florida and Texas, though rates may vary. However, check with a local agent for coverage options in your area.

How do I contact Security National in Florida?

Filing Security National Insurance Company auto claims in Florida is simple. Call the Security National insurance phone number in FL at 1-800-274-7865 to file a claim.

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Tonya Sisler

Insurance Content Team Lead

Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...

Insurance Content Team Lead

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

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.

Reviews
for Bristol West Insurance Services Inc.

2.23 (98 reviews)
1
December 28, 2023

Buzarsmichelle_gmail_com

Worst company ever

I called and had my policy set up in November was told nothing about being required to have health coverage and paid my 6 month premium in full. Got a letter the day after Christmas that my car insurance was canceled unless I could pay them 1600 dollars to make sure that I had medical coverage. I had already paid them 500 dollars November 9th. I never even received my insurance cards in the mail. You sit on hold for hours while trying to contact ...
I called and had my policy set up in November was told nothing about being required to have health coverage and paid my 6 month premium in full. Got a letter the day after Christmas that my car insurance was canceled unless I could pay them 1600 dollars to make sure that I had medical coverage. I had already paid them 500 dollars November 9th. I never even received my insurance cards in the mail. You sit on hold for hours while trying to contact someone regarding anything and their website doesn't actually allow you to do anything. Worst insurance company ever ibshouldnt have to pay 2 grand for 6 months of insurance when I've never had an accident or gotten a ticket and only needed liability for a car that isn't driven all winter and won't be again until June.
1
March 29, 2023

Miichelle

Ripoff

Recent,y Bristal West stated that they were cutting my auto insurance. I already paid the bill. Then they jump the cost by $28.00. I spoke with someone about this trying to see why. No problems gave occurred, Then another email was sent to me stating another increase by $10.00. They're trying to raise my cost by $38.00 for no reason. They couldn't explain what the increase was about either. Stay away from this company!!
1
January 3, 2023

Phoenix-Fire

This is straight up theft!

How do you spell out fraud and theft! I was being charged almost $400 a month for one dodge ram 2011. I had a second driver who had some speeding tickets which raised my insurance damn near $300. I removed said person from my insurance before my billing date. My insurance reflects that he has been removed! My bill is saying I still owe for the services for him being on my account. They are saying that it’s because I did it before the invoice wa...
How do you spell out fraud and theft! I was being charged almost $400 a month for one dodge ram 2011. I had a second driver who had some speeding tickets which raised my insurance damn near $300. I removed said person from my insurance before my billing date. My insurance reflects that he has been removed! My bill is saying I still owe for the services for him being on my account. They are saying that it’s because I did it before the invoice was set out. Flat out! I am not being charged for my services for the month. Which would be just me on my insurance! I have to pay upfront for insurance for that month. So when I removed him off my insurance I was expecting there to be $87 taken out of my account instead of them trying to charge me $371 +20 for insufficient funds because I was not expecting them to take out the $400. This is straight up theft! If anybody else has had this issue please let me know! I would be glad to start a class action lawsuit.
1
October 6, 2022

Bristol_Scam

Bristol West is a scam

Bristol West is a scam. I bought this insurance and paid the first fee for the premium, then set up autopayment. A month and a half later they send me a cancellation notice stating that I was overdue, and they charged me a late fee. I went to the website and confirmed that autopayment was set up, and now I'm paying for the mistakes of incompetent employees who want to rely on automation. Poor service and poor experience. I can't imagine what fili...
Bristol West is a scam. I bought this insurance and paid the first fee for the premium, then set up autopayment. A month and a half later they send me a cancellation notice stating that I was overdue, and they charged me a late fee. I went to the website and confirmed that autopayment was set up, and now I'm paying for the mistakes of incompetent employees who want to rely on automation. Poor service and poor experience. I can't imagine what filing a claim would have looked like. Glad they canceled my policy. 0/10 recommend.
1
August 22, 2022

grumpygringo

Bad insurance company shady practices.

This company is fully automated. Agent wrote me up for policy 3 days after I wanted it. Didn't even ask "When do you want to start your policy?". Took it upon herself to do that on her own. The Less human work the better I guess she must have been thinking . Sent me her picture instead of policy my policy., just her face. all by itself. Like what am I supposed to do with that.? I need that insurance by the end of the weekend. Why was it not her...
This company is fully automated. Agent wrote me up for policy 3 days after I wanted it. Didn't even ask "When do you want to start your policy?". Took it upon herself to do that on her own. The Less human work the better I guess she must have been thinking . Sent me her picture instead of policy my policy., just her face. all by itself. Like what am I supposed to do with that.? I need that insurance by the end of the weekend. Why was it not her mind as well. ?Then after canceling over the phone , 3 days later I got billed for 2.5 months of coverage anyway. I wasn't given a bill previous to that, just informed 2 1/2 months later that if I didn't pay the bill it was going to collections. No paper bills no phone calls no itemized bills anywhere. No warning. Nothing out of nowhere threatening collection notice came in postal mail. And " Still" not itemized. Didn't even know I had a bill . They promise everything over a phone . Don't deal with these guys unless you get EVERYTHING in writing. Not in a email either, because they will say they sent it. Bottom line very shady business practices. I am going to Attorney General to find out if that is up to standards. they take TOO MUCH advantage of VERBAL communications. There has got to be some rules against this.
1
June 27, 2022

Jtobiasson_

Bad business practices

After being told there was no charge for canceling, they hit me with a cancelation fee and decided that I owed them another $64 for "unpaid services" for the month I just gave them $250 for. Not to mention they were $80 more than their competitors
1
June 3, 2022

Muhammad_Abdullahi

Charging extra Money!

My contract ended in 6 months and I made all the payments on time, NOW they are charging me for the late payment of an imaginary new contract that was never signed or approved!!! Daylight stealing!!!
1
May 25, 2022

Ayoub_Khan

Horrible Experience with company.

Horrible Experience with the company, they Charged me without my consent or renewing the new policy. they wanted me a double price for my policy without me getting a ticket or a into an accident or claims. that's why wanted to cancel the policy. and i did switch to new insurance company but they still deducted my money because i cant cancel my autopay and now when i am calling them they cant help and they would say, they would refund $190 somethi...
Horrible Experience with the company, they Charged me without my consent or renewing the new policy. they wanted me a double price for my policy without me getting a ticket or a into an accident or claims. that's why wanted to cancel the policy. and i did switch to new insurance company but they still deducted my money because i cant cancel my autopay and now when i am calling them they cant help and they would say, they would refund $190 something out of $500+ for one extra day which is horrible.
1
April 20, 2022

Lexabshi03

Don’t even bother…

Bristol West charged my card for over $100.00 because according to their records, I missed last months payments… I don’t have Bristol West. Customer Service did absolutely nothing to help. Thanks Bristol West 👍🏽👍🏽
1
April 14, 2022

bkelly66

poor customer service

my daughter inadvertently bought car insurance thru Bristol. She cancelled 3 days later after she realized her insurance had not cancelled. Bristol would not cancel the insurance with them unless she produced qualified insurance on her vehicle. This is not the insurance companies job to verify current ins on any vehicle in order to cancel. Additionally they did not cancel this insurance until 10 days later charged her an admin fee and 10 days on...
my daughter inadvertently bought car insurance thru Bristol. She cancelled 3 days later after she realized her insurance had not cancelled. Bristol would not cancel the insurance with them unless she produced qualified insurance on her vehicle. This is not the insurance companies job to verify current ins on any vehicle in order to cancel. Additionally they did not cancel this insurance until 10 days later charged her an admin fee and 10 days on ins. All in all they stole $100.00 from a 19 year old. Do not do business with this company. One month later she is still waiting for her reimbursement.
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