Foremost Car Insurance Pricing 2025

People with poor driving records — like a history of DUIs, speeding tickets, or at-fault accidents — are at a higher risk of claims and thus cost more to insure. Foremost specializes in insuring these drivers, which is one of the reasons its rates are higher than the national average.

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.

RELATED: Read our in-depth Foremost car insurance review.

The following discounts can help you save on a Foremost car insurance policy.

• 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.

Diminishing Deductible

Foremost rewards drivers who file fewer claims with its diminishing deductible coverage. For each consecutive year you go without a collision or comprehensive claim, Foremost reduces your policy’s deductible, up to a $500 maximum (depending on your policy terms).

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.

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

You may cancel your policy at any time by calling (800) 527-3905 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.

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.

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

Foremost’s auto insurance rates tend to be higher than average, due to its affiliation with high-risk provider Bristol West. If you’re struggling to find affordable coverage from a standard provider, it could be worth getting a quote. Foremost may also be a good option if you need insurance for alternative vehicles like RVs, motorcycles, or boats. The provider offers a variety of auto insurance discounts that can make its policies more affordable. Foremost also offers a variety of add-on coverages like rideshare insurance, loan/lease coverage, and diminishing deductibles.