AutoInsurance.com
December 12, 2022

Bristol West Car Insurance Pricing 2022

The rates you can anticipate from Bristol West.

Bristol West has flexible coverage options and plenty of discounts perfect for drivers with bad driving records. Whether or not you’ve had trouble finding insurance as a high-risk driver, this page details all you need to know about Bristol West’s prices for auto insurance.

Car Insurance Rates for Bristol West Auto Insurance

Auto insurance rates depend on factors like your financial record and accident history. At $2,910 per year, Bristol West’s average cost is higher than most other insurance companies because it caters to high-risk drivers. Bristol West’s full coverage rates range from $1,482 to $6,133 a year on average.

However, your rates with Bristol West could change depending on your driver profile:

  • Minimum coverage: The average annual cost of minimum coverage is $1,770. Typically, minimum coverage is for liability insurance.
  • Full coverage: The average annual cost for full coverage is significantly higher at $4,453. Full coverage includes car insurance coverage for uninsured and underinsured motorists, as well as for property damage and injuries (liability coverage only covers the other party). However, it does not include coverage such as rental reimbursement, which would pay for your rental car in the event of a covered claim. The more coverage you have, the more your car insurance will cost (minus insurance discounts, of course).
  • After an at-fault crash: You may see a massive increase after a traffic incident, with an average annual cost of $6,133.
  • After a speeding ticket: You can expect to pay $5,775 on average annually.

CheckFYI:

Although full coverage auto insurance may cost more upfront, it will lower the amount you would have to pay out of pocket in the event of an accident.

Discounts With Bristol West

Bristol West offers a competitive advantage on discounts for high-risk drivers. With many available discounts, this company is committed to lower premium costs for those seeking incident forgiveness.

You may be eligible to receive Bristol West discounts if any of the following is true:

  • If you sign up for paperless statements
  • If you pay your policy in full
  • If you opt for advanced purchasing
  • If you sign up for electronic and automatic payments
  • If you make on-time payments
  • If you have multiple policies
  • If you’re a mature driver
  • If you have a teen driver away at college
  • If you’re a good student
  • If you’re a safe driver
  • If your vehicle has certain vehicle safety features
  • If you take a driver education course, like defensive driving

Favorite Features

High-Risk Driver Protection

Bristol West is a nonstandard insurer carrier, meaning it provides coverage to drivers who present an above-average risk. Standard car insurance carriers may disqualify drivers for coverage or charge higher premiums if they are considered high risk.

You might be high risk if any of the following statements is true:

  • You hold a number of traffic violations such as speeding tickets.
  • You have a conviction for a serious offense such as a DUI.
  • You have a poor credit score.
  • You had a lapse in coverage.
  • You are newly licensed and have little driving experience.

CheckNOTE:

Traffic incidents won’t stay on your record forever. Check your state’s record stipulations to see how long traffic violations will remain on your driving history.

Strong Financial Backing

As a member of the Farmers Insurance Group of Companies, Bristol West has the backing of one of the largest property and casualty insurer groups in the U.S. Especially if you’re a high-risk driver or have poor or no credit history, having a personal insurer with strong financial backing will help you get your claim payouts quickly. Bristol West received an A rating from AM Best, indicating an “Excellent” claims-paying ability and credit quality.

In conclusion, Bristol West has great financial strength resulting in customer satisfaction. If you’re filing a claim, expect a fast response compared to other car insurance companies.

Mobile App

Bristol West offers a mobile app that lets iOS and Android users access their accounts and add insurance identification cards to their phones’ wallets for quick availability.

As a registered customer, you can access the following items via online and mobile app:

  • Policy ID card
  • Policy details
  • Claim reporting and status
  • Payment submission and status
  • Personal account information
  • Agent contact details

Text Alert Program

If you don’t want to use the mobile app, Bristol West offers a text alert program to send updates to your phone directly.

Sign up by logging into your online account and selecting Text Alert Preferences in your account settings. Bristol West can send reminders for missed and upcoming payments to up to three numbers. You can stop receiving text messages at any time by sending STOP to 41637.

Where Does Bristol West Provide Coverage?

Bristol West offers personal auto insurance coverage in 43 states. Its personal auto coverage is not available in the following areas:

  • Alaska
  • Hawaii
  • North Carolina
  • South Dakota
  • Vermont
  • Washington, D.C.
  • West Virginia

Bristol West is expanding its new commercial auto insurance program, which is only available in select states.

Cancellation Policy

The best way to cancel your policy is to get in contact with Bristol West directly. Bristol West’s website lacks the option to cancel online, but you can reach an agent anytime to cancel via mail or phone. Addresses and phone numbers for any type of inquiry are below in the contact information section. Cancel anytime and receive a refund for the exact number of days your policy will become inactive.

Company Background

Bristol West has been offering private passenger coverage for almost 50 years. In 1973, Bristol West 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. Farmers acquired Bristol West in 2007.1

Bristol West Contact Information

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 31029
    • Independence, OH 44131-0029
  • 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
  • For overnight payments:
    • Bristol West Insurance Group
    • 1300 Concord Terrace, Suite 120
    • Sunrise, FL 33323.
  • For overnight nonpayment-related:
    • Bristol West Insurance Group
    • Rockside Center III
    • 5990 West Creek Road
    • Independence, OH 44131

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, use the following numbers:

  • For claims: 855-822-3139
  • For customer service: 888-888-00702

Conclusion

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 offers plenty of discounts for high-risk drivers. However, when it comes to auto insurance, shop around for the best fit for you. Check out our review of the best auto insurance for high-risk drivers to explore our recommendations.

Frequently Asked Questions

Does Bristol West offer rideshare coverage?

Yes, Bristol West offers rideshare coverage. If you drive for a service like Lyft or Uber, Bristol West will cover you while you are waiting for and completing ride requests. Most insurance rideshare companies only protect you while you are on your way to picking up a passenger and while you are transporting them to their destination. This leaves a critical gap in coverage while you are in between trips.

Can I get an SR-22 from Bristol West?

Yes, Bristol West can file an SR-22 on your behalf. An SR-22 proves that you have an active insurance policy that meets your state’s minimum coverage.

Can I reinstate my policy with Bristol West if I cancel?

Yes, you can reinstate your policy with Bristol West if you cancel for up to 30 days after a lapse in coverage. If you want to reactivate your account, you have 10 days after termination.

Are Security National Auto and Bristol West the same insurance company?

No, Security National Auto and Bristol West are not the same insurance company. Bristol West is Security National Auto’s parent company. Security National Auto provides insurance to Florida and Texas residents through Bristol West’s services.

Citations

  1. Farmers Insurance Group Acquires Bristol West Holdings. Insurance Journal. (2007).
    https://www.insurancejournal.com/news/national/2007/07/06/81458.htm

  2. Contact Us. Bristol West. (2022).
    https://www.bristolwest.com/home/contact