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Last updated: March 24, 2024

Foremost Car Insurance Pricing 2024

A full-service insurance carrier with policies for all kinds of driving records

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Foremost Insurance customizes all auto insurance policies through another company, Bristol West. It’s important to understand that the company Bristol West underwrites and services all auto insurance policies, not Foremost. Foremost only markets the services.

When it comes to pricing, Foremost and Bristol West are not always the cheapest options, but they do a good job for those with accidents or tickets on their records. This Foremost Insurance guide will review the average price of auto insurance from the carrier, list its popular discounts, and explain features that we like about the company.

Car Insurance Rates

Foremost has the highest-priced policies that our research noted, primarily because it deals with more customers with accidents and tickets. Those with a poor driving record are at a higher risk of claims and thus cost more to insure.

Foremost’s average annual price is $2,910. The national average that our research found was $2,071 annually. However, your rate may be lower based on certain factors, like whether you get full or minimum coverage. Your age, driving history, location, and type of vehicle will also affect your rate.

We recommend getting a quote and comparing it to other insurance carriers’ quotes to see where you will get the best price for your desired coverage. Make sure to compare the same coverages (property damage liability, medical payments, roadside assistance, rental reimbursement, and other insurance options) and limits when you shop.


  • Continuous insurance: You may get a discount when you prove that you have had insurance coverage with another carrier without any gaps.
  • Good driver: If you have had no tickets or accidents for five years, you are eligible for a discount.
  • Multi-car: When you insure more than one car, you are eligible for the multi-car discount.
  • Multi-policy: If you get a homeowners insurance policy with Foremost, you can save on your auto insurance policy.
  • Pay-in-full: Get a discount when you pay your policy in full.
  • Paperless billing: Go digital and elect paperless billing to get a discount on your auto insurance.
  • Good student: Students with a B average or higher are eligible for price reductions.
  • Student away at school: When students are away at school without a car, they can qualify for lower premiums.
  • Advance purchase: Pay your premium more than a week before it is due and get a discount.


Be sure to ask your agent at renewal if you qualify for any new discounts. You never know when you can save more.

Favorite Features

Loan or Lease Coverage

Foremost Insurance will pay what you owe on your vehicle if you total it in an accident. This coverage is less your deductible but serves as gap insurance. For example, if you owe $20,000 on your car but the total loss valuation is only $13,000, Foremost will pay the $7,000 difference, less your deductible, so you aren’t left with a loan or lease on a car that doesn’t run.

Rental Car Coverage

All Foremost policies include rental car coverage. Foremost’s affiliate, Bristol West, says that when you have a claim and need to rent a car, it will put $50 a day back in your pocket for that expense. Not every insurance company includes rental car coverage.

Backing of a Larger Insurance Company

Bristol West is a small subsidiary or member of the Farmers Insurance group of companies. So even though Foremost is using an affiliate company (Bristol West) for auto insurance sales, Farmers backs Bristol West as an insurance powerhouse with the expertise and resources to protect customers properly.

Agent Sales Model

Bristol West utilizes an insurance agent sales model designed to educate customers on what coverages they need and walk them through the claims process with care. With agents, customers always have points of contact that are consistent and know their backgrounds, and generally provide better customer service than the direct-to-consumer model.

The direct-to-consumer model (i.e., online sales or call centers), in contrast, takes the relationship out of insurance and doesn’t offer the same kid gloves that the agent model does. Customers looking for extra attention do well with an agent model.


You may want to interview a few agents before you settle on one. You want an agent who takes an interest in your life so that they can better understand your insurance needs.

Mobile App

Through Bristol West, Foremost offers a mobile app for customers to use. It allows customers to access policy information at any time and make payments or claims with a few swipes. The app has a four-star rating in Google Play and a 4.6-star rating in the Apple App Store. People say that the app is extremely easy to use and that filing and managing claims is a breeze.


Foremost offers auto insurance through Bristol West in all 50 states and Washington, D.C.

Cancellation Policy

You may cancel your policy at any time by calling (888) 888-0080 or contacting your agent directly. When you cancel your policy, any unused premium will be refunded to you. Refunds may take up to 30 days.

Company Background

Three investors — Edward J. Frey, Richard E. Riebel, and Edward L. Stoddard — founded Foremost insurance in 1952. Their primary goal was to provide insurance to thousands of families that lived in mobile homes. In 1970, however, Foremost started writing policies covering boats, motorcycles, mini-bikes, snowmobiles, and all-terrain vehicles. AARP has endorsed Foremost for mobile home insurance since 1989 and motorcycle insurance since 2004.1

Foremost’s affiliate, which it uses to sell auto insurance, Bristol West, started in 1973 as a private passenger automobile insurance carrier in the state of Florida. Bristol West became a subsidiary of Farmers Insurance Group in 2000 and started writing policies for Foremost in 2007.

Foremost maintains an A (Excellent) credit rating from AM Best.2 This financial strength rating means that AM Best considers the company financially stable and able to manage and pay its claims in a timely manner.

Foremost Contact Information

You can contact Foremost by reaching out to your individual agent. You may also contact them through the following company contact details:

Department Phone Address
Billing (800) 532-4221 Foremost Insurance Group
P.O. Box 0915
Carol Stream, IL 60132-0915
Claims (800) 527-3907 Email:
Policy services (800) 527-3905 Email:


Foremost may be more expensive for some consumers based on their driving record. However, Foremost is a good candidate if you prefer a company with a good financial rating. A good financial rating gives you the confidence that the company will pay its claims appropriately. Read more car insurance reviews to explore your options.

Frequently Asked Questions

How good is Foremost Auto Insurance?

Foremost has a great credit rating from AM Best (Excellent), but coverage can be expensive if you don’t have a good driving record. Customers should shop around to ensure they get the coverage they want for a price they can afford.

What is replacement cost/comprehensive coverage on a Foremost auto insurance policy?

The replacement cost on your comprehensive coverage option pays for repairs based on the current value of parts and labor. Comprehensive coverage pays to fix your car after an incident other than an at-fault accident. It doesn’t depreciate the value of the vehicle like an actual cash value coverage policy does.

Which is better: Auto-Owners Insurance or Foremost Insurance?

Auto-Owners Insurance is a better option than Foremost because it underwrites and services its own policies, whereas Foremost outsources the entire policy to Bristol West. Companies that write their own policies tend to offer better service.


  1. About Foremost. AARP. (2023).

  2. A.M. Best Affirms Ratings of Foremost Corporation Group and Its Members. AM Best. (2008, Apr 29).