How Much Does Bristol West Car Insurance Cost?

Choosing a car insurance provider isn't always straightforward. If you're considering Bristol West, researching its rates can help you determine if it's the best fit for your needs. However, we recommend gathering quotes from several providers to ensure you're getting the most value when looking to save money on your car insurance.

Bristol West car insurance pricing per month

Full-coverage car insurance from Bristol West averages $217 per month. Drivers who choose minimum liability-only coverage pay an average of $106.

Keep in mind these are average figures. Your individual rate will depend on multiple factors including age, location, credit score, and driving history. While your actual Bristol West premium may be different, these averages provide a useful baseline for comparing providers.

	Bristol West average monthly cost	National average monthly cost
Full coverage	$217	$186
Liability-only	$106	$104

Bristol West's rates versus other car insurance providers

Each company has its own approach to evaluating risk and offering discounts, which affects pricing. Comparing quotes will show you how Bristol West measures up for your particular circumstances.

Provider	Average monthly full coverage cost	Average monthly liability-only cost
State Farm	$114	$59
Progressive	$182	$106
GEICO	$148	$95
Allstate	$148	$79
USAA	$105	$56
Bristol West	$217	$106

Bristol West's rates by age

Age plays a major role in Bristol West's pricing structure, similar to most insurance companies. Car insurance for teen drivers carries the highest costs, with full-coverage premiums averaging $379 per month.

Rates typically decrease as you enter your 20s, with Bristol West averaging $265. They keep declining through your 30s to an average of $216 and your 40s to an average of $203.

The lowest rates often go to drivers in their 50s and 60s, who pay around $185 and $173 per month, respectively.

Costs may increase again in your 70s, with monthly premiums averaging $177. This pattern shows how insurance companies calculate risk across different life stages.

Age group	Bristol West average monthly full coverage cost	National average monthly cost
Teens	$379	$360
20s	$265	$242
30s	$216	$199
40s	$203	$191
50s	$185	$177
60s	$173	$159
70s	$177	$162

Bristol West's rates for high-risk drivers

Traffic violations or accidents on your record will push your Bristol West rates higher. High-risk drivers with a speeding ticket average $270 per month, while an at-fault accident brings monthly costs to approximately $280.

DUI convictions result in significantly higher premiums, with monthly costs averaging $320. These are standard rates for high-risk profiles, though your actual cost will vary based on the timing of the incident and other individual factors.

Driving record	Bristol West average monthly full coverage cost	National average monthly cost
Accident	$280	$249
Speeding ticket	$270	$241
DUI	$320	$275

How does your credit score affect your rate with Bristol West?

Most states allow insurers to use credit scores when setting rates. The exceptions are California, Hawaii, Massachusetts, and Michigan.

Where credit scores matter, Bristol West adjusts pricing according to your credit tier. Those with excellent credit average $196 per month, while good credit holders pay slightly more at around $216.

Average credit leads to monthly costs near $218, and poor credit results in premiums closer to $265 per month on average.

These figures demonstrate credit's significant impact on premiums, though your final rate depends on other personal factors as well.

Credit score	Bristol West average monthly cost of full coverage	National average monthly cost
Excellent	$196	$164
Good	$216	$179
Average	$218	$194
Poor	$265	$228

FAQs

Is Bristol West part of Farmers Insurance?

Yes, Bristol West is a member of the Farmers Insurance Group of Companies. Farmers Insurance acquired Bristol West in 2007 to expand its offerings specifically for high-risk drivers.

Does Bristol West offer any discounts to help lower my premium costs?

Bristol West provides several discount opportunities, including for high-risk drivers. You could save by enrolling in automatic payments, choosing paperless billing for electronic policy documents, and maintaining a clean driving record. Bristol West also offers multi-policy discounts if you bundle coverage, such as adding a motorcycle or RV policy through their sister companies Farmers or Foremost Insurance, potentially reducing your overall insurance expenses across all your vehicles.

Can Bristol West help me if I've been denied coverage by other insurance companies?

Yes, Bristol West exists specifically to serve drivers who struggle to get coverage from standard insurance companies. If you've been denied due to poor credit, a spotty driving record, or being a newly licensed driver with no insurance history, Bristol West might be able to provide you with a policy.

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Bottom line

Should you choose Bristol West as your car insurance company? Getting quotes from Bristol West and competing insurers and comparing them on price and service is the most effective way to decide.

Data throughout provided by Insurify.

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