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Last updated: January 12, 2023

Bristol West Auto Insurance Review

Does Bristol West have coverage for you?

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Bristol West has been providing auto insurance for over 45 years. The auto insurance company specializes in private passenger and nonstandard auto insurance targeted at high-risk drivers and other unique situations. If you are a high-risk driver or you prefer working directly with an insurance agent or broker, Bristol West auto insurance may have the coverage options you need. Let’s learn about Bristol West’s insurance products and insurance quotes.

Key Takeaways

Bristol West is a member of Farmers Insurance Group, one of the country’s largest insurers of vehicles, homes, and small businesses. Bristol West offers coverage for drivers in challenging situations, including those with poor driving records, poor or no credit, or traffic violations.

Who it’s best for:

  • Drivers classified as high-risk, including drivers with low credit scores, no histories of insurance, DUIs, or multiple traffic violations on their records.
  • People who prefer working with insurance agents or brokers directly.

Who it’s not best for:

  • Good drivers who are looking for the cheapest rates.
  • People who want good student discounts.

Pros and Cons of Bristol West Auto Insurance



  • No prior insurance requirements: Bristol West accepts nearly all customers regardless of whether they have had car insurance coverage in the past.

  • Payment plans: Bristol West offers low down payments and payment plans for a competitive rate.

  • SR-22 and FR-44 availability: Bristol West provides proof of liability insurance in the form of SR-22/FR-44 forms. Certain states legally require these forms if you have a poor driving record.



  • High rates for good drivers: Drivers with good driving records likely will find the Bristol West rates to be higher than those of other insurers.

  • Low medical payments coverage: Bristol West’s medical payments coverage will pay for your medical care due to a car accident only up to $10,000.

What Does Bristol West Cover?

  • Liability: Liability coverage helps cover the cost of another driver’s property and bodily injury expenses if you are found at fault in an accident. You can choose the amount of bodily injury and property damage coverage.
  • Medical payments: Bristol West’s medical payments coverage will pay for your medical care due to a car accident up to $10,000.
  • Uninsured/underinsured motorist: Uninsured and underinsured motorist coverage covers your out-of-pocket expenses when you get into an accident with someone who lacks insurance or has insufficient coverage.
  • Comprehensive: Comprehensive coverage assists with physical damage from events that are out of your control, like theft, vandalism, or weather.
  • Collision: Collision insurance helps cover damage that occurs when your vehicle collides with another car or object. No state requires collision insurance, but we recommend it. It will cover damages after a crash regardless of fault (but not for events such as weather and vandalism).
  • Towing and roadside assistance: Bristol West will take care of the cost of towing or roadside assistance as it applies to each disablement on a covered vehicle, subject to a maximum per policy.
  • Rental reimbursement: Bristol West will reimburse you up to $50 per day for up to 30 days if you need a rental car after a covered loss.
  • Permissive user coverage: Drivers with permission to use your vehicle are covered under your vehicle’s insurance.
  • $500 trailer physical damage: Bristol West provides liability coverage for a trailer you own that is attached to a covered vehicle.
  • Rideshare: Rideshare coverage extends your auto policy limits and coverage if you use your car while working for a rideshare company, like Uber Eats.


Bristol West provides additional coverage for your vehicle if you conduct rideshare activities, such as driving for Uber Eats.

What Will My Auto Insurance Rate Be?

Your auto insurance premium from Bristol West will depend on your driving record, age, gender, mailing address, and vehicle’s make and model. Bristol West’s average annual cost is $2,910.


Driver risk is one factor that may affect your auto insurance premium. Bristol West specializes in high-risk drivers, including drivers with no prior insurance and drivers convicted of driving under the influence (DUI), driving while intoxicated (DWI), or operating while intoxicated (OWI).


  • Multipolicy: Bristol West offers a discount if you buy multiple policies from Bristol West, Farmers, or Foremost Insurance.
  • Automatic payments: Sign up for automatic payments to receive a discount on your auto insurance premium.
  • Paperless billing: Bristol West provides a discount if you go paperless for policy documents and bills.
  • Good driving record: Bristol West can help you get a discount on your premium if you maintain a good driving record.


Bristol West auto insurance policies are available to customers in 43 states. Visit the company’s website to find an agent or broker in your area.

State Number of Bristol West agents Location(s) of Bristol West agent(s)
Alabama 25+ Birmingham, Hoover, Childersburg, Irondale, Butler
Arizona 50+ Phoenix, Scottsdale, Mesa, Fountain Hills, Tempe
Arkansas 10+ Pine Bluff, White Hall, Alma, Fayetteville, Prairie Grove
California 50+ Los Angeles, Pasadena, Torrance, Sherman Oaks, Reno
Colorado 50+ Arvada, Commerce City, Lakewood, Broomfield, Denver
Connecticut 25+ Bridgeport, Danbury, Bristol, Fairfield, Norwalk
Delaware 1 Wilmington
Florida 50+ Jacksonville, Port St. Lucie, Jupiter, Palm Beach, Hollywood
Georgia 50+ Columbus, Atlanta, Milton, Stone Mountain, Duluth
Idaho 50+ Pocatello, Chubbuck, Boise, Eagle, Caldwell
Illinois 50+ Roscoe, Crystal Lake, Naperville, Lemont, Chicago
Indiana 50+ Pendleton, Fairmount, Lafayette, Indianapolis, Carmel
Iowa 10+ Des Moines
Kansas 50+ Kansas City, Lenexa, Topeka, Osage City, Wichita
Kentucky 10+ Jeffersonville, Louisville, New Castle, Shepherdsville, Mount Washington
Louisiana 2 Metairie, West Monroe
Maine 5+ Portland, Windham Buxton
Maryland 25+ College Park, Columbia, Silver Spring, Baltimore
Massachusetts 50+ Amherst, Falmouth, Lowell, Medford, Braintree
Michigan 50+ Clinton Township, Port Huron, Chesterfield, Ann Arbor
Minnesota 50+ Stillwater, St. Paul, Minneapolis, Maplewood, Richfield
Mississippi 50+ Jackson, Clinton, Ridgeland, Biloxi, Gulfport
Missouri 50+ Blue Springs, Kansas City, Overland Park, Summit
Montana 10+ Columbus, Helena
Nebraska 25+ Nebraska
Nevada 50+ Las Vegas, Henderson
New Hampshire 5+ Manchester, Pelham, Merrimack
New Jersey 50+ Elizabeth, East Orange, Edison, Newark, Montclair
New Mexico 25+ Albuquerque, Santa Fe
New York 30+ New York City, Nyack, White Plains
North Carolina 1 Charlotte
North Dakota 25+ Williston, Bismarck, Fargo
Ohio 25+ Columbus, Cincinnati, Hamilton
Oklahoma 50+ Oklahoma City, Yukon, Moore, Edmond, Bethany
Oregon 50+ Portland, West Linn, Tigard
Pennsylvania 25+ York, Lancaster, Hershey, Pittsburgh, Philadelphia
Rhode Island 2+ Providence
South Carolina 10+ Sumter, Charleston
South Dakota 10+ Sioux Falls
Tennessee 50+ Clarksville, Nashville, Memphis
Texas 50+ Austin, Houston, Dallas, San Antonio
Utah 50+ Riverton, Salt Lake City
Vermont 2+ Williston
Virginia 25+ Sterling, Fairfax, Springfield
Washington 50+ Kent, Lakewood, Seattle
Wisconsin 10+ Port Washington, Evansville, Madison
Wyoming 25+ Cheyenne

Bristol West Customer Service

Contact Bristol West by phone, fax, text, or mail.

Bristol West contact information Mailing address Phone number Fax number
Claims Bristol West Claims Service

P.O. Box 258806

Oklahoma City, OK 73125-8806

1-800-274-7865 1-855-822-3139
General Bristol West Insurance Group

P.O. Box 31029

Independence, OH 44131-0029

1-888-888-0080 1-888-888-0070
Payment Customers in California, Arizona, Nevada, and Texas:

Bristol West Insurance Group

P.O. Box 7142

Pasadena, CA 91109-7142

Customers in all other states:

Bristol West Insurance Group

P.O. Box 371329

Pittsburgh, PA 15250-7329

Overnight payments:

Bristol West Insurance Group

1300 Concord Terrace,

Suite 120

Sunrise, FL 3332

1-888-888-0080 n/a
Overnight (nonpayment) Bristol West Insurance Group

Rockside Center III

5990 West Creek Road

Independence, OH 44131

n/a n/a
Fraud reporting n/a 1-888-662-6616 n/a

Bristol West has a 24/7 phone pay and billing line. The customer service line is available weekdays from 8 a.m. until 6 p.m. local time. Enroll in text alerts to receive payment reminders and missed-payment alerts on your mobile device.

Bristol West also has flexible billing and payment plan options. Look online to enroll in direct deposit or to find another payment solution.

Mobile Apps and Online Features

Bristol West provides easy and secure access to policy information through the company’s website and mobile app. The Bristol West mobile app is rated 4.6 out of 5 stars by iOS users and 3.8 out of 5 stars by Android users. Here are some of the available features:

  • Review bills, make payments, and manage payment methods.
  • Enroll in the direct debit/electronic funds transfer (EFT) program.
  • File claims and track progress.
  • Access ID cards for your auto policies.
  • View policy information.
  • Find contact information for your agent.

Third-Party Ratings

  • Better Business Bureau rating: While Bristol West is not accredited by the Better Business Bureau (BBB), its parent company, Farmers Insurance, has an A rating from the BBB. Farmers Insurance has been accredited since 1951.
  • BBB customer rating: Farmers Insurance/Bristol West’s BBB customer rating is 1.35.1 Low BBB customer ratings are pretty typical for insurance companies. We found complaints against Bristol West that included difficulty canceling or receiving refunds for auto and life insurance policies, difficulty accessing rental reimbursement coverage, and slow response to claims.

Company History

Bristol West was established in Florida in 1973 as a private passenger automobile insurance carrier for Florida residents. The company has since expanded its reach to 43 states. Bristol West is a member of Farmers Insurance Group, one of the largest property and casualty insurer groups in the United States.2

Other Insurance Bristol West Provides

Farmers Insurance owns Bristol West. Bristol West agents and independent brokers can help you access other types of policies through the Farmers group of insurance companies. Bristol West provides the following types of insurance in certain states:

Cancellation Policy

Bristol West recommends contacting your agent or broker if you want to cancel your policy. However, you can also call Bristol West for cancellation options. Please note that Bristol West will cancel your policy for nonpayment of your premium.


  1. Bristol West Insurance Group. Better Business Bureau. (2022).

  2. Farmers Insurance Group Acquires Bristol West Holdings. Insurance Journal. (2007, Jul 6).