Bristol West Auto Insurance Review 2025

Written by Annie Millerbernd and 1 other
Updated Jan 8, 2025
Bristol West
3.5
Jerry rating
Our Take
Bristol West insurance is an option for high-risk drivers who may struggle to buy insurance elsewhere. This insurer offers some discounts and coverage add-ons, but more customizable coverage may be available elsewhere.
Pros
  • May insure drivers with poor credit, DUIs and those who lack prior coverage.
  • Can file SR-22s and FR-44s.
Cons
  • High volume of consumer complaints.
  • Premiums may be high for drivers who aren’t high risk.
  • Fewer discounts than some competitors.
  • Does not reward good driving behavior with lower premiums.

Bristol West car insurance review

Jerry rates Bristol West 3.5 stars out of 5. This score is lower than average compared to other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, consumer ratings, financial strength and national complaint data.

Bristol West is part of the Farmers Insurance Group of Companies, meaning it’s backed by one of the largest insurers in the United States. This no-frills insurer tailors its product to high-risk drivers who may struggle to find insurance but lacks discounts and coverage add-ons.

Bristol West may insure drivers who have a DUI or DWI on their record and can file an SR-22 FR-44 on a driver’s behalf. The insurer says it won’t deny coverage to those with poor credit or who lack prior insurance.

Though it has a good financial strength rating from AM Best, the company has more complaints than average with the National Association of Insurance Commissioners (NAIC).

Drivers can get Bristol West car insurance online, over the phone or from an agent or broker. The insurer provides coverage in 43 states.

Is Bristol West a good insurance company?

Bristol West receives low marks from some customers, but may be a good fit for high-risk drivers who struggle to find coverage elsewhere and can afford a higher-than-average premium.

Drivers who haven’t lost insurance recently, have strong credit and a clean driving record may be offered more affordable coverage with a better-rated insurer.

Even if your driving record is less-than-perfect, it’s a good idea to compare quotes from multiple insurers to find the most affordable option.

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How much does Bristol West car insurance cost?

The average cost for state minimum car insurance coverage with Bristol West is 16.2% higher than the national average, according to aggregate data collected from over 400,000 policies quoted to real customers via Jerry in 2024 from 24 different insurance companies.

Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy and the amount of coverage you require.

Bristol West car insurance rates

Here’s a look at Bristol West’s car insurance rates quoted for real Jerry customers.

Avg Monthly Quote
Date of Policy
Car Make and Model
City, State
$224 January 6, 2025 Nissan Versa Cartersville, GA
$710 January 6, 2025 Tesla Model Y Los Angeles, CA
$149 January 6, 2025 Chevrolet Volt San Jose, CA
$95 January 6, 2025 Nissan Rogue Townsend, GA
$295 January 5, 2025 Acura Rdx Ansonia, CT
Last Updated Jan 7, 2025

Bristol West car insurance discounts

Drivers covered by Bristol West can get discounts for:

  • Signing up for automatic premium payments.
  • Going paperless.
  • Maintaining a good driving record.
  • Buying multiple policies with Bristol West, Farmers or Foremost Insurance.

Does Bristol West offer insurance based on driving behavior?

Bristol West does not price insurance based on driving behavior, according to a customer service representative.

Other insurers let you use their mobile app to track your driving behavior and may reward good drivers with lower premiums. Though Bristol West has a well-rated mobile app, it doesn’t include this feature.

Bristol West car insurance coverage options

Like most insurers, Bristol West offers collision, comprehensive, liability for bodily injury, liability for property damage, medical expense, personal injury protection and uninsured/underinsured motorist.

  • Coverage definitions

This insurer also provides the following coverages:

  • Insurance for drivers with your permission to use the vehicle.
  • Rental car inclusion.
  • Optional rideshare add-on.

Bristol West may also offer roadside assistance, accident forgiveness and replace your car with a new one of the same make and model if it’s damaged, according to a customer service representative.

Industry ratings of Bristol West car insurance

Bristol West isn’t listed on some industry reports, including J.D. Power’s consumer satisfaction studies and the CRASH Network report card.

RatingBristol Wests score
NAIC consumer complaint indexHigh.
AM BestA.
  • NAIC details
  • AM Best details

Customer reviews of Bristol West

More than a thousand Jerry customers who have used and reviewed Bristol West’s auto insurance have rated the company well.

Jerry customer reviews
Bristol West
4.5
1,581 Reviews
5 Stars
70%
4 Stars
15%
3 Stars
9%
2 Stars
3%
1 Star
3%

How to contact Bristol West

Policyholders can file a claim, review claim status, make payments, view policy information and manage their accounts at https://www.bristolwest.com/ or on the company’s mobile app.

Here are Bristol West’s phone numbers.

Customer service and phone payments: 1-888-888-0080.

File a claim: 1-800-274-7865.

FAQ

  • How much is full coverage for Bristol West insurance?
  • How can I file a claim with Bristol West?
  • Does Bristol West offer high-risk insurance?

Methodology

We looked at over 400,000 actual policies quoted for real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation. 

How we rate car insurance companies

Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.

We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.

These individual factors roll up into one weighting system as follows:
20% Financial strength
20% Complaints
20% Industry ratings
20% Customer ratings
20% Cost and discounts

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.