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Bristol West Auto Insurance: User Reviews and Quotes (2025)

Bristol West only offers auto insurance but makes it accessible to drivers with unique coverage needs.

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Bristol West is a non-standard insurance company serving drivers in 41 states. Acquired by Farmers Insurance in 2007, Bristol West exclusively offers auto insurance coverage geared toward drivers who have never held a policy, have bad credit, or even have a DUI or other serious moving violation on their driving record. Coverage is also available to rideshare drivers who use their vehicles on platforms like Uber or Lyft.

Here’s what else you need to know about coverage from Bristol West.

Quick Facts

  • Because Bristol West Insurance Company caters to high-risk drivers, average premiums may be higher than with competitor companies.

  • Bristol West is a member of the Farmers Insurance Group of Companies, giving you access to other policy options (and bundling discount opportunities).

  • Customer ratings for this company are low, while industry ratings are average or higher.

How Bristol West compares to other insurance companies

How Bristol West rates compare to competitors

Bristol West isn’t among the cheapest car insurance companies based on national averages, but it could still offer competitive rates in your area and for your unique needs. Amica and Direct Auto are two of Bristol West’s top competitors, and while its rates are comparable with Amica’s, Direct Auto’s rates are far more affordable.

Here’s how Bristol West’s national average full-coverage rate compares to the rates of several different companies.

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Average cost of Bristol West auto insurance

Bristol West offers car insurance for high-risk drivers and drivers who have trouble finding coverage elsewhere. As such, its rates are higher than those from many other insurers. But if you’re a high-risk driver who has struggled to find insurance coverage through other channels, Bristol West could be a good option for you.

Here, you can see how the average monthly liability quote from Bristol West compares to the national average for different driver groups.

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Bristol West car insurance cost by state

Various factors determine insurance premiums, including your age, driving history, the type of car you drive, and your location.1 Each state also has its own requirements for minimum liability coverage, which can further affect costs.

Here’s a look at the states where Bristol West operates and how much you might pay for auto insurance coverage. You’ll see that average quotes from Bristol West tend to exceed state averages.

isclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Coverage isn’t currently available in Alaska, California, Massachusetts, Mississippi, Nevada, New Jersey, New York, North Carolina, or Texas. Delaware, Hawaii, Rhode Island, Vermont, and West Virginia excluded due to lack of data.

Bristol West car insurance discounts

Most car insurance companies offer discounts that can reduce your total out-of-pocket cost of coverage. Depending on the insurer you choose, many different types of car insurance discounts are available.

Some of the discounts available from Bristol West include those for:

  • Paperless billing

  • Automatic payment enrollment

  • Good driving

  • Multi-policy bundling (this includes policies purchased through Farmers and Foremost Insurance)

How customers feel about Bristol West

It’s tricky to see where Bristol West falls in the industry as a whole, as its ratings don’t match up with many of its firsthand customer reviews.

For example, the company has an A+ rating with the Better Business Bureau (BBB), though it’s not an accredited business.2 But on BBB, Bristol West has more than 440 customer reviews with an average rating of 1.12 out of 5 stars.

Bristol West doesn’t have a strong presence on Trustpilot, with only 28 reviews live at the time of this publication. But from those 28 reviews, Bristol West holds a rating of 1.6 out of 5 stars.3 Customers say that their dissatisfaction lies with unexpected premium increases, slow claims communication, and customer service concerns.

Bristol West customer reviews

Here’s a look at what some real Bristol West customers have to say about their experience with this insurance company.

Bristol West ratings

While subjective reviews from existing customers are important, you should also look at trusted industry ratings to truly compare companies. These standard ratings include those from companies like AM Best, J.D. Power, and the National Association of Insurance Commissioners (NAIC).

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Bristol West car insurance coverage options

Where you live partly dictates your insurance coverage options, as each state has its own minimum required coverage. Bristol West’s products are limited, but the company offers a few standard coverage types:

Other options for Bristol West customers

Bristol West Insurance Group only offers car insurance. If you’re looking for motorcycle insurance, homeowners insurance, renters insurance, life insurance, or other forms of coverage, you’ll need to shop around with other insurers.

Bristol West Casualty Insurance Company is a member of the Farmers Insurance Group of Companies, along with the following companies: Coastal National Insurance Company, Security National Insurance Company, and Foremost Insurance Company. Foremost Insurance, for example, offers coverage for boats, RVs, motorcycles, ATVs, homes, condos, and more. If you purchase one of these policies, you may qualify for a bundle discount through Bristol West.

Bristol West insurance FAQs

If you want to know more about Bristol West insurance coverage, check out the additional information below.

  • Is Bristol West legitimate?

    Yes. Bristol West is a legitimate auto insurance company that was founded in Florida in 1973. Farmers Insurance acquired it in 2007, and it’s now part of the Farmers Insurance Group of Companies. Bristol West has an excellent AM Best rating and an A+ rating with the BBB, though it’s not accredited and has received more complaints than expected in recent years.

  • What is the average cost of Bristol West car insurance?

    While individual premiums vary by location and other personal factors, Bristol West car insurance coverage costs an average of $101 per month for liability coverage and $209 for full coverage.

  • Is Bristol West good at paying claims?

    Bristol West has an A (Excellent) financial strength rating through AM Best, speaking to its ability to pay claims. The company did receive twice as many formal complaints as expected in 2023, according to the NAIC, demonstrating that the claims process may be more complex and confusing for some customers.

  • How do you cancel your Bristol West insurance policy?

    You can cancel your Bristol West policy by reaching out to your independent agent directly by phone, by email, or in person. You can also call Bristol West customer service at 1 (888) 888-0080 or fax a cancellation request form to 1 (888) 888-0070.

  • Is Bristol West for high-risk drivers?

    Bristol West is considered a non-standard insurance company that serves higher-risk drivers in need of coverage. This means that you may be able to purchase a policy even if you’ve been convicted of a DUI or other moving violations, are uninsured, had a policy canceled or lapsed in the past, or have poor credit.

Stephanie Colestock
Stephanie Colestock

Stephanie is a DC-based freelance writer and Certified Financial Education Instructor (CFEI). She primarily covers personal finance topics such as insurance, loans, real estate investing, and retirement. Her work can be found on CBS, FOX Business, MSN, Yahoo! Finance, Business Insider, and more. When she isn't helping people plan for their financial futures, she is traveling, hiking with her kids, or writing for her own website, TomorrowsDollar.com. She can be reached on X @stephcolestock.

Stephanie has been a contributor at Insurify since October 2022.

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