Bristol West Car Insurance Pricing 2026

Since Bristol West specializes in high-risk coverage, its rates tend to be higher than standard issuers. However, if you are a high-risk driver struggling to find affordable rates from standard providers, you may find Bristol West’s rates competitive. How much you pay depends on factors like your driving history, age, zip code, vehicle, and credit history.

Here are the average costs with Bristol West for various driver profiles and coverage levels:

Bristol West offers four ways to save with discounts:

• Sign up for automatic payments
• Opt to go paperless
• Maintain a good driving record
• Buy multiple policies from Bristol West, Farmers, or Foremost Insurance.

Coverage for High-Risk Drivers

Standard car insurance carriers may refuse to insure high-risk drivers, or price policies so exorbitantly these drivers are effectively disqualified from coverage.

Bristol West specializes in providing coverage for high-risk drivers. You might considered a high-risk driver if you have:

• Multiple traffic violations, such as speeding tickets.
• Conviction for a serious offense, such as a DUI.
• Poor credit score.
• Lapse in coverage.
• Newly licensed and have little driving experience.

Bristol West’s core personal auto policies are available in 43 states. Its parent company, Farmers, uses multiple affiliated insurers that expand its overall footprint to about 47 states. Not all companies or products are available in every state.

Coverage is not available in these states:

• Alaska
• New York
• North Carolina

These states are covered via limited/specialty carriers, not the core Bristol West Insurance Company footprint:

• California (via Coast National)
• Nevada (via Coast National)
• Mississippi (via Coast National)
• Texas (via Security National)

Bristol West also offers commercial auto insurance in select states for small business owners with nine or fewer vehicles.

The best way to cancel your policy is to get in contact with Bristol West directly. The company doesn’t offer online cancellations, but you can reach an agent anytime to cancel via mail or phone. If you cancel, you’ll receive a refund for the unused portion of your policy. Depending on your state, you may have to pay a cancellation fee.

Bristol West has been offering private passenger coverage since 1973. It began as an automobile insurance carrier based in Florida. Over the decades, Bristol West has grown to be a premier provider of specialized auto coverage, with a focus on high-risk drivers. Farmers acquired Bristol West in 2007.¹

The simplest way to contact Bristol West is through your online account. You can access your account online or via its mobile app. Depending on your inquiry, you can also reach Bristol West by mail, phone, and fax.

To correspond via postal mail use the following contact information:

• For claims: 
  • Bristol West Claims Service
  • P.O. Box 258806
  • Oklahoma City, OK 73125-8806
• For general inquiries: 
  • Bristol West Insurance Group
  • P.O. Box 248834
  • Oklahoma City, OK 73124-8834
• For payments in Arizona, California, Nevada, and Texas:
  • Bristol West Insurance Group
  • P.O. Box 7142
  • Pasadena, CA 91109-7142
• For payments in other states: 
  • Bristol West Insurance Group
  • P.O. Box 371329
  • Pittsburgh, PA 15250-7329

To correspond via phone, use the following numbers:

• • • For claims: 800-274-7865
    • For payment and billing 24/7: 888-888-0080
    • For customer service, Monday through Friday, 8 a.m. – 6 p.m. (local time): 888-888-0080
    • For fraud reporting: 888-662-6616

To correspond via fax for customer service, use the following number: 888-888-0070.⁴

Getting adequate insurance after an accident or speeding ticket can be a hassle if you don’t know where to look. If you’re looking for nonstandard insurers, Bristol West is a solid option that offers various discounts for high-risk drivers who may experience difficulties finding coverage elsewhere. However, for auto insurance, it’s always a good idea to shop around for the best fit for you. To learn more about Bristol West coverage, read our full Bristol West insurance review.