Bristol West Car Insurance Review 2022

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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 DateCar MakeCar ModelStateCityNameAge
Annual Savings after Switching to Bristol West with Jerry
May 13, 2022FordF150 SupercrewMSLakeHunter G.55-64$268
April 26, 2022GmcYukon HybridGAClevelandDaisy B.21-24$1,922
May 18, 2022Mazda3 IPAEllwood-CitySean C.21-24$2,002
May 5, 2022NissanSentra SRMSLong-BeachHarry T.25-34$32
May 16, 2022HondaFitGALawrencevilleWesley 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 CoverageAverage 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 GroupAnnual 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 InfractionAnnual 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.
StateAnnual 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:
DiscountDescription
Student away from homeHaving a driver away at college will net a small discount.
Safe drivingDriving 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.
SafetyInstalling a tracking device on your vehicle may qualify you for a discount.
Defensive drivingFor drivers 55 and older, passing a Bristol West approved-driver training course will qualify you for a discount on your rates.
Non-ownerThis 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.
DiscountDescription
Multiple policiesBundling auto insurance with another policy, such as motorcycle or RV coverage, can save you money on your premiums.
Multiple carsInsuring more than one vehicle with Bristol West can qualify you for savings.
EZ PaySetting up automatic payments can earn you a small discount.
Electronic paymentsGoing paperless helps the environment and will net you a small discount.
Paying in fullIf 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 emailGetting your insurance documents over email, instead of through the mail, can qualify you for a discount.
Early purchaseBuying your policy at least 2 days before it is scheduled to begin is grounds for a small discount on your policy.
Prior coverageIf 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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