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Bristol West Summary
Bristol West Insurance was founded in Florida in 1973, offering personal auto insurance. The company grew, expanding across the United States, and was acquired by the Farmers Insurance Group in 2007, joining one of the biggest groups in the nation.
Bristol West has never expanded their product lineup, just their operating territory. Products are sold only through agents and brokers, and the company offers low down payment options as well as a selection of policy options from liability only through full coverage.
The company has offices in various locations, with main offices in their home state of Florida, and in Ohio.
Insurance Products
Bristol West policies are marketed and sold by Farmers Agents including, in some states, those appointed under the Foremost Insurance Group, a subsidiary of the Farmers Exchange. Offerings can differ from state to state in terms of coverage options and discounts. A variety of companies under the Bristol West banner underwrite the policies but, again, this differs from state to state.
An overview of the policies across covered states shows that the company’s auto policies are quite basic. Liability, comprehensive, and collision along with a few other common coverage options are universally available, while other options may vary.
Optional coverage’s include:
- Medical payments
- Uninsured/underinsured motorist
- Towing and labor
- Rental reimbursement
Some states also have loan/lease (gap) coverage and additional equipment coverage available. Limited Mexico coverage is available for California.
With a separate page dedicated to each state’s auto insurance program, the website makes it easy to check your state’s specific information. However, the differences across states makes it very difficult to create a comprehensive overview of Bristol West’s auto insurance program.
Bristol West Insurance Rates
Bristol West does not offer online quoting, and all policies are quoted and sold through agents. As a result, it is difficult to do a quick price comparison.
Farmers agents will often run rate quotes through all their subsidiary underwriting departments in order to get a customer a lower rate. What this means is sometimes you may walk into a Farmers Insurance office, but walk out with a Bristol West policy because it was a lower price.
Bristol West does not directly advertise as a low-cost insurance company, but does state that they offer low down payment options as well as several different payment options to make insurance more affordable. There is little evidence, however, to suggest that Bristol West is going to offer rates competitive with major low-cost insurers like GEICO. They are agent-driven for sales, which is usually a sign of higher rates thanks to agent commissions.
Discounts vary across the states, so it’s difficult to say how much impact there is on rates. Without the benefit of major bundling discounts, Bristol West is unlikely to be seriously competitive in terms of cost. Farmers does do multi-policy discounts with Foremost policies, but there is no information on whether this is available with Bristol West.
Claims
Bristol West has two options for claims filing. Customers can call a 24-hour toll free line: 1-800-274-7865 to report a claim, or they can file the claim online. Customers can also log in online in order to check on the status of a claim.
Aside from claims filing information, there is very little on the Bristol West website that offers information in terms of how claims are handled or what kind of time frame customer should expect in terms of when a claim will be settled. The site states that they aim to settle claims quickly, but there is no further detail.
Overall, the claims information on the website is somewhat lacking, which is a major oversight in a time when most insurance shoppers want to be able to thoroughly investigate an insurance company online.
Consumer Research and Complaints
Finding Bristol West on the BBB is a bit of a challenge, as several offices come up. The only office with a rating was the Indianapolis location, giving the company and A+ rating. There is only one complaint in the last three years listed, and it has been closed within the last 12 months.
While one complaint is very low in terms of a national company, the confusion involved in finding the correct place to lodge a complaint against the company leaves questions as to how many complaints did not land in the correct place.
Bristol West has a good number of complaints on several consumer websites, enough to raise a little concern, even in an industry where complaints are relatively common. There are 68 complaints on PissedConsumer, mainly focusing on the company’s website and billing practices. Similar complaints appear on Consumer Affairs, where there are 71 one-star ratings out of 77 total ratings.
Considering that larger companies have had fewer complaints listed on both of these sites, the numbers are of concern, as well as the content of the complaints, which address similar issues repeatedly.
Overall, there is little in the reviews of the company to put it in a positive light, and enough negative to raise red flags.
Financial Strength
Rating Company | Grade | Financial Outlook |
---|---|---|
AM Best | A | Stable |
Fitch | N/A | N/A |
S&P | N/A | N/A |
Bottom Line
Bristol West flies under the Farmers Insurance banner, and is often quoted for customers by Farmer’s agents. They use a different underwriting process than their parent company, so they are often better priced for certain classes of drivers. They are serviced by the same claims department as Farmers, but the number of complaints raises a few flags. However, if the price is right, Bristol West is an alright choice for many drivers.
For a list of companies that we recommend, visit our Best Insurance Companies page.
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Review Information





Michele says
We are having the same experience. This insurance company is not recommended. Not ever in my worst nightmare could I imagine Farmers Insurance (parent company) treating customers like this. STAY AWAY FROM THEM.
Dave says
Bristol West insurance gave me a great rate and have stayed consistently low on its prices! I have been very happy that I can talk to my local farmers agent with any changes I need to make to my policy. He meets with me every 6 months and goes over my policy with me. Overall I rate them A+ on service and rates!
Teresa K Jenkins says
I am very upset with this company they over calculated my mother’s policy by $400.00. She passed away suddenly in 2017 and I received a refund check on August 18 of 2018. Since we didn’t have time to secure a power of attorney due to her sudden passing, the company refuses to reissue a check to our family. So they basically took $400 from my mom and our keeping it…
Henry Lynn says
This company Bristol West and Foremost auto is a joke, when I started I was quoted a price and down payment, they debited my card $400, instead of $120, then said my payments would be $64 mth they were never under $100, so after a few months I called and cancelled, but they still took out my payment anyway.. do you think I get a refund? Heck no.. so what do I do now?
Steven Thaxton says
I have NEVER dealt with a more difficult company. It is obviously set up to screw anybody and everybody. Everything from underhanded cost increases to looping you so you CAN Not talk to a person, to not answering the phone and never recalling when one has left multiple voice messages, to having a fax machine which never allows you to fax through to them. Everything is set up to keep them untouchable. I did not choose them (default from 21st insurance) and am telling everyone PLEASE stay away from this so called company. The internet is full of similar stories, it amazes me they can still exist.
Andres says
Stay away from this company. My bad experiences with them date back to 2002 and 2003. The fact they are still in business is proof-positive that both the regulators and the entire Insurance industry are highly corrupt.
The other reviews that say “worst company ever” are not exaggerating. To summarize and keep this short, their standard operating procedure is to act in bad faith on every single claim that comes across their way!
Awful people at an awful organization.
Robert Feldten says
Worst company ever. I cannot get in touch with anybody. Total loop answering service, I will be switching insurance companies. Thanks for nothing 21st century, you turned me over to them I had a clean record. What’s up with that? I will be telling all of my associates not use you.
Mario Lorie says
I have no claims, no tickets, but they increased my six month insurance from the original quote by $129 without any warning. They tell me I will have to pay $10 fee if I am late paying the difference. If this is the insurance service that I have I do not want it, how do I cancel it? I have called the numbers listed on the policy and I get a computer that keeps recycling the call, I cannot get agent to find out why the increase. I have never had any problems with my previous AIG car insurance until they switch me to Bristol West, if you are a driver and want insurance stay awy from Foremost County Mutual Insurance and farmers Insurance Group.
Cassandra Kelly says
I did NOT authorize an increase payment on my insurance. had NO notifications of this. Very upset. Will be looking into other insurances in the future.
Marla says
Impossible to talk to an actual agent. Called local agent: Agents are only able to see certain areas – I live 2 blocks away but cannot use this agent. Was given national number & called: recording gives Independence, OH, # 888-395-2524. Called X3 recording loops constantly giving the same # 888-395-2524!!! I finally screamed “operator”( which was not an option) and a clerk (she told me she wasn’t an agent) wanted all my info & only then why I was calling. When I said policy changes, I was told I had to send written request & only then would changes be made. When I asked for $ difference, she gave an amount only for that exact question, I had to pry info from her & was nearly kill crazy when I asked for a number for a live person – she was allowed ONLY to give the national #. Looking for a non-Farmers group now.
nancy hague says
I would like to file a claim. I called Sat. when it happened. They told me to wait till today.
Please advise as to what to do next. Thank you, Nancy Policy [redacted]
K says
The automation system takes forever just to get to a person who makes you repeat everything again.