Bristol West

The Car Insurance Guide

Overall Personalized Rating: 4.5/5 (Excellent)

Summary

Bristol West is an insurance company focused on providing fair insurance rates and coverage to higher risk drivers. Backed by Farmers, they have the financial stability to ensure you're covered.

Key Benefits

Affordable car insurance for high-risk drivers
Part of the largest insurance company in the country
Low credit scores & uninsured drivers accepted

Ratings Summary

Ratings Highlights

Overall Rating

If you are a high-risk driver, Bristol West could be the right choice. They specifically cater to higher risk drivers, including recently uninsured drivers, young drivers, and drivers with accidents, tickets, or DUI incidents on record within the past few years. Though a bit pricier than some of the better-known brands, this company makes it simple for high-risk drivers to get insured, which is worth paying a bit more.

Pricing

As an insurer primarily focused on serving high-risk drivers, Bristol West is certainly not the cheapest insurance plan on the market. However, high-risk drivers traditionally pay higher rates than average through any insurer, with most drivers in this category struggling to even find a carrier willing to insure them. With that in mind, this company's prices are fair given their business niche.

Handling Claims

Reviews indicate that their claims response quality can be varied, with some customers stating the company can be a bit slow to respond.

Uninsured Drivers

This is a great choice for uninsured drivers, who may otherwise be unable to find an affordable insurance provider.

Young Drivers

As young or new drivers typically struggle in finding good insurance rates and coverage, Bristol West may be one carrier to consider -- they specialize in serving drivers who are regarded as "high risk" in the industry.

Bundling Auto with Other Insurance Types

As a subsidiary of Farmers, Bristol West is able to offer drivers discounts for bundling auto with home or motorcycle insurance.

Drivers with Tickets/Accidents

Bristol West shines here. Whether you are a new driver, a driver with tickets or accidents on record, or a driver with a recent DUI/DWI, this company was built with your needs in mind. Expect quick service and fair rates.

Premium Driver

Premium drivers should look elsewhere for better rates and coverage options, as Bristol West was formed to serve high-risk drivers in particular.

Company Background

A part of the Farmers Insurance Group, Bristol West is a budget-friendly provider was started in 1973 in Florida. It has since expanded to offering its product in 43 states, and has continued to offer high-quality, affordable auto insurance policies to customers around the country since its inception.

The Car Insurance Guide's Reviews Methodology

The Car Insurance Guide uses a proprietary algorithm to evaluate the car insurance options presented. Factors reviewed and rated include pricing, handling of claims, age of driver, bundling, and driver type. These factors are evaluated and scored to provide an overall score for the carrier as well as being individually assessed to provide a detailed review of the fit of the carrier to the driver. The data comes from research The Car Insurance Guide conducts as an invite-only annual survey and from interviews with car insurance agents. Insights from experts, those whose job it is to understand and recommend the best insurance companies for their clients, is invaluable. Use of The Car Insurance Guide's 2025 reviews by third parties without the express written consent of The Car Insurance Guide is strictly prohibited.