Bristol West Auto Insurance Review 2025

Bristol West earned 2.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

Bristol West provides auto insurance for high-risk drivers through a network of agents and brokers in most states. The Farmers Insurance subsidiary offers SR-22s and FR-44s to drivers with major violations on their record.

Bristol West’s auto insurance policies are also available through Foremost Insurance, another Farmers brand.

» MORE: The best car insurance companies

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

• How we review auto insurance companies

  In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:

  Financial strength. We use A.M. Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B. 

  Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.

  Ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.

  Discounts. We look at both the kind of discounts a company offers and the total number of discounts available.

Compare to other insurers

Bristol West insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Depending on the state you live in, Bristol West also offers:

• SR-22 and FR-44 availability. Many states require an SR-22 form to prove you have car insurance after a DUI or other serious violation. In Florida and Virginia, you may need an FR-44 form to show you have enough coverage.

• Gap insurance. If you owe more on your loan or lease than your policy will pay when your car is totaled or stolen, Bristol West’s gap insurance will cover the difference, minus your deductible.

• Rideshare coverage. If you drive for a service such as Uber or Lyft, Bristol West’s rideshare insurance covers you while you’re waiting for ride requests. For context, rideshare companies’ policies typically only cover you while you’re en route to pick up passengers or while passengers are in your car, leaving a coverage gap between rides.

• Rental reimbursement coverage. If your car is in the shop due to a covered loss, this coverage will pay for a rental car.

» MORE: Compare car insurance rates 

Auto insurance discounts

Car insurance discounts from Bristol West vary by state. Depending on where you live, you may be able to save by:

• Insuring more than one car with Bristol West.

• Having an additional policy, such as a motorcycle or RV policy, from Foremost or Farmers Insurance.

• Paying for your policy in full, upfront.

• Making automatic payments.

• Owning a home.

• Avoiding accidents and traffic violations.

• Being covered for at least six months with a previous insurer.

• Having had continuous insurance coverage in the past.

• Getting policy documents electronically.

Complaints

Bristol West had more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.

More about Bristol West auto insurance

Website: Bristol West’s website has minimal details about coverage options, but it does let you take action. You can request a quote, find an agent, see your insurance ID card, make a payment, and report or check on a claim directly from the homepage. There’s also a useful FAQ section that answers payment-related questions, including how to get text alerts when payments are due or overdue.

Mobile app: On Bristol West’s mobile app, you can pay premiums, view your ID card and see policy details. It’s compatible with Apple and Android devices.

Payment options: If you pay online, you can use a bank account, debit card or credit card at no extra cost. You can also set up automatic monthly payments or pay by phone, mail, Western Union or MoneyGram.

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