Bristol West Car Insurance Review 2022
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- Quick look: Bristol West car insurance
- What coverage does Bristol West offer?
- How much does Bristol West auto insurance cost?
- Who qualifies?
- Discounts
- Additional services
- Things to keep in mind
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Drivers switching to Bristol West using Jerry save an average of $1,130 per year on their auto insurance policy.
If you’re on the lookout for car insurance, no one wants to waste time filling out form after form—not to mention dealing with those follow-up phone calls.
Jerry is an AI-powered comparison shopping app that makes finding great insurance rates ridiculously simple. Signing up takes less than a minute, and then you’ll be easily browsing dozens of competitive quotes. At that point, just choose the policy you like best, and finalize it—all without picking up the phone or filling out a form.
Here are real quotes from Jerry users:
| Quote Date | Car Make | Car Model | State | City | Name | Age | Annual Savings after Switching to Bristol West with Jerry |
|---|---|---|---|---|---|---|---|
| May 13, 2022 | Ford | F150 Supercrew | MS | Lake | Hunter G. | 55-64 | $268 |
| April 26, 2022 | Gmc | Yukon Hybrid | GA | Cleveland | Daisy B. | 21-24 | $1,922 |
| May 18, 2022 | Mazda | 3 I | PA | Ellwood-City | Sean C. | 21-24 | $2,002 |
| May 5, 2022 | Nissan | Sentra SR | MS | Long-Beach | Harry T. | 25-34 | $32 |
| May 16, 2022 | Honda | Fit | GA | Lawrenceville | Wesley S. | 35-44 | $268 |
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Quick look: Bristol West car insurance
Good for Insuring high-risk drivers unable to find insurance elsewhere Solid financial backing (Bristol West is a subsidiary of Farmers) Offers more perks than a typical high-risk insurer, while offering personalized service Use the mobile app to pay premiums, carry your digital insurance ID card, and review policy details
What coverage does Bristol West offer?
Bristol West is known for providing insurance to high-risk drivers or those with poor credit who are unable to find insurance with a larger carrier. Bristol West offers some benefits typically associated with larger providers. Here’s a rundown of what Bristol West offers:
Most common coverages
- Liability insurance: Liability insurance is required in most states. It encompasses bodily injury liability and property damage liability, both of which protect other drivers if you’re responsible for causing an accident.
- Comprehensive insurance: Comprehensive coverage is optional in every state, but you may have to buy it if you’re leasing or financing a car. This type of coverage pays for damage that is not the result of a collision—such as from extreme weather, theft, or vandalism.
- Collision insurance: Collision coverage is typically not required but, again, might be a necessity if you’re leasing or financing a car. This kind of coverage pays for damage to your car stemming from a collision with another vehicle or fixed object.
- Uninsured/underinsured motorist protection: Uninsured/underinsured motorist protection reimburses you for any costs due to an accident caused by a driver without any insurance, or very little insurance. Your insurance company covers your costs with this type of insurance, negating the need for you to sue the at-fault driver. This coverage is critical if you live in a state with a high percentage of uninsured drivers.
- Medical payments coverage: MedPay covers medical expenses for you and any passengers if you’re hurt in a collision, even if you were at fault. MedPay is required in a few states, but optional in most.
Helpful add-ons
- SR-22: SR-22 is a form filed by your insurer with your state, confirming that a high-risk driver has the minimum mandated level of insurance required to drive. In some states, this is known as an FR-44 form.
- Rental reimbursement: Rental reimbursement will cover the costs of a rental car—up to $50 per day for a maximum of 1 month—if your car is damaged and undrivable.
- Rideshare coverage: Bristol West’s rideshare coverage covers those driving for Uber or Lyft. This coverage protects you while waiting for pick-up requests. Rideshare services’ insurance only covers you when a passenger is in your car or when you’re on your way to pick up a passenger.
- Gap insurance: If your car is deemed a total loss, or is stolen, gap insurance covers the difference between your car’s pre-accident value and what you still owe on your lease or loan, minus your deductible.
- Roadside assistance: Sometimes known as towing and labor coverage, Bristol West’s roadside coverage will assist you if you need a tow, your car’s battery is dead, your tire is flat, and more.
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How much does Bristol West auto insurance cost?
The average yearly auto insurance rate for minimum insurance with Bristol West is $1,485. And for full coverage that offers stronger financial protection, the average premium is $2,533.
Insurance companies consider various factors when determining your insurance premium, such as your vehicle type, your driving history, personal profile, and any recent accidents or traffic violations—so premiums can vary substantially from driver to driver.
Here’s the average monthly payment for minimum and full-coverage insurance with Bristol West.
| Average Monthly Cost for Minimum Coverage | Average Monthly Cost for Full Coverage |
|---|---|
| $146 | $223 |
As is normal throughout the insurance industry, younger, less experienced drivers insured with Bristol West typically pay $2,451 per year, while older drivers tend to pay less—an average of $2,415 per year.
Age is an important factor for insurers when setting rates. Statistics show that, on average, teenage drivers are almost three times more likely than drivers over 20 to get into a collision. This higher risk means teenage drivers pay far steeper rates than the average driver.
Here’s what drivers pay with Bristol West based on their age group.
| Age Group | Annual Cost | Annual Savings after Switching to Bristol West with Jerry |
|---|---|---|
| 18-20 | $3,009 | $1,170 |
| 21-24 | $2,546 | $1,165 |
| 25-34 | $2,165 | $1,007 |
| 35-44 | $1,930 | $866 |
| 45-54 | $1,844 | $823 |
| 55-64 | $1,650 | $753 |
| 65+ | $1,673 | $812 |
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Who qualifies?
Bristol West offers insurance policies to drivers of all ages, though this insurer is known for catering to high-risk drivers with previous violations on their driving record or those with poor credit who are unable to get insured by bigger providers.
Bristol West does insure drivers with recent accidents (aka, high-risk drivers), but those premiums are typically much higher than average. Drivers with clean records might be better off looking to more mainstream insurers for cheaper premiums.
Here’s the average yearly cost of Bristol West insurance for drivers with a violation on their record.
| Driving Infraction | Annual Cost | Annual Savings after Switching to Bristol West with Jerry |
|---|---|---|
| Clean Record | $1,985 | $921 |
| Reckless Driving | $4,905 | $2,727 |
| Eluding Police | $2,831 | $1,515 |
| Improper Passing | $2,753 | $1,239 |
| Careless Driving | $2,734 | $1,173 |
| Open Container | $2,588 | $1,296 |
| Illegal Turn | $2,675 | $1,203 |
| Speeding over 15 | $2,693 | $1,165 |
| Failure to Obey Traffic Sign | $2,604 | $1,093 |
| Suspension | $2,496 | $1,144 |
| Driving on Sus. License | $2,520 | $1,097 |
| Wrong Way/Wrong Lane | $2,469 | $1,093 |
| Defective Equipment | $2,411 | $1,080 |
| Speeding under 15 | $2,395 | $1,057 |
| DUI | $2,333 | $1,033 |
| Leaving scene of an Accident/Hit and Run | $2,357 | $943 |
| Passing School Bus | $2,816 | $439 |
| Cell Phone | $2,239 | $909 |
| Seat Belt | $2,085 | $1,013 |
| $1,574 | $1,426 | |
| Racing/Drag Racing | $1,589 | $1,355 |
| Vehicle Theft | $1,673 | $1,195 |
| Other | $2,624 | $1,172 |
Key Takeaway Bristol West offers insurance for drivers of all ages, but it might not be the most affordable choice for drivers with clean driving records.
As a licensed car insurance broker, Jerry guides you through the process of comparing policies and buying the one that’s best for you, no matter where you live. In just 45 seconds, you’ll be browsing dozens of competitive quotes from the top insurance carriers in the country.
Once you select your policy, Jerry takes care of all the paperwork and cancels your old policy for you.
Here’s the average annual cost of Bristol West insurance based on state.
| State | Annual Cost | Annual Savings after Switching to Bristol West with Jerry |
|---|---|---|
| AK | $4,228 | $133 |
| AL | $1,426 | $1,255 |
| AR | $1,268 | $2,200 |
| AZ | $1,809 | $811 |
| CA | $2,235 | $962 |
| CO | $2,060 | $990 |
| CT | $3,528 | $944 |
| DE | $3,438 | $3,030 |
| FL | $2,572 | $1,042 |
| GA | $2,576 | $1,046 |
| ID | $2,310 | $690 |
| IL | $1,588 | $785 |
| IN | $1,587 | $742 |
| KS | $1,435 | $1,066 |
| KY | $1,789 | $1,040 |
| LA | $2,136 | $1,368 |
| MD | $2,485 | $1,120 |
| MI | $2,224 | $978 |
| MN | $1,828 | $840 |
| MO | $1,510 | $1,210 |
| MS | $1,711 | $834 |
| NC | $2,141 | $1,507 |
| NE | $1,862 | $1,200 |
| NJ | $3,226 | $1,202 |
| NM | $1,756 | $818 |
| NV | $2,946 | $1,007 |
| NY | $3,265 | $1,237 |
| OH | $2,086 | $824 |
| OK | $1,768 | $3,168 |
| OR | $1,685 | $982 |
| PA | $1,912 | $901 |
| SC | $2,779 | $1,039 |
| TN | $1,703 | $970 |
| TX | $1,978 | $809 |
| UT | $1,862 | $850 |
| VA | $2,078 | $974 |
| WA | $1,998 | $988 |
| WI | $1,959 | $773 |
| WV | $1,756 | $788 |
| WY | $1,174 | $1,466 |
Key Takeaway Using Jerry can help you find the best car insurance coverage at the lowest price, regardless of the state you live in.
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Discounts
Bristol West offers a slew of discounts not typical of a smaller, niche insurer. These are a boon to policyholders because they help reduce the cost of car insurance premiums. Individual discounts may be small, but combined they can take a sizable chunk out of your yearly insurance payments. Bristol West discounts do vary by state.
Here are some of the most common driver and vehicle-based discounts offered by Bristol West:
| Discount | Description |
|---|---|
| Student away from home | Having a driver away at college will net a small discount. |
| Safe driving | Driving safely and maintaining a clean record for three years will qualify you for a discount, as well as another one after five years of safe driving. |
| Safety | Installing a tracking device on your vehicle may qualify you for a discount. |
| Defensive driving | For drivers 55 and older, passing a Bristol West approved-driver training course will qualify you for a discount on your rates. |
| Non-owner | This coverage provides liability insurance if you are renting a car and don’t own your own vehicle. |
Here are some common policy-based discounts with Bristol West.
| Discount | Description |
|---|---|
| Multiple policies | Bundling auto insurance with another policy, such as motorcycle or RV coverage, can save you money on your premiums. |
| Multiple cars | Insuring more than one vehicle with Bristol West can qualify you for savings. |
| EZ Pay | Setting up automatic payments can earn you a small discount. |
| Electronic payments | Going paperless helps the environment and will net you a small discount. |
| Paying in full | If you pay your entire premium upfront and in full at the start of the term, you’ll receive a discount on your rate. |
| Docs via email | Getting your insurance documents over email, instead of through the mail, can qualify you for a discount. |
| Early purchase | Buying your policy at least 2 days before it is scheduled to begin is grounds for a small discount on your policy. |
| Prior coverage | If you can prove you’ve been insured continuously for at least 6-12 months before joining Bristol West, you’ll qualify for a small discount. |
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Additional services
As a small insurance company, Bristol West offers a slimmer menu of additional insurance products:
- Homeowners / renters
- Motorhome
- Motorcycle
Things to keep in mind
Payment options
Bristol West allows policyholders to pay online with a credit or debit card, or via Bristol West’s mobile app. You can also set up autopay on the phone, by mail, or through MoneyGram or Western Union. You can make your payments monthly, quarterly, or twice a year.
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