Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Mar 11, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

At a Glance

  • Bristol West offers a number of different discount options
  • They offer coverage in all but eight states
  • You can file a claim online, over the phone, or with the mobile app

Searching for car insurance can be a time-consuming process. That’s why we’ve consolidated all the necessary information for you. Founded in 1973, Bristol West Insurance Services, Inc. is headquartered in Plantation, Florida. Since then, they’ve expanded to offer coverage in 43 states as part of the Farmers Insurance Group of Companies.

In this article, we’ll outline the kinds of coverage Bristol West car insurance provides, discounts they offer, states they have coverage in, how to file a claim with them, and any other types of insurance they may offer.

Bristol West Car Insurance Coverage

Bristol West offers standard auto insurance coverage, providing enough options to meet coverage requirements, as well as a few extras some customers may find helpful. Bristol West’s coverage portfolio includes:

  • Comprehensive coverage
  • Personal injury and property damage protection
  • GAP coverage
  • Rental car reimbursement
  • Medical payment coverage
  • Uninsured/underinsured motorists

In addition, Bristol Insurance offers towing and roadside assistance, as well as rideshare coverage, which includes Uber Eats.

Bristol West caters to the needs of higher-risk drivers, offering SR-22 certificates for those that need proof of insurance.

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What auto insurance discounts are available?

Bristol West offers a large range of discounts for a variety of different drivers looking for cheap online auto insurance. Some cater more to people with families, while others may suit single or older individuals. In addition, Bristol provides discounts based on the kind of vehicle you drive, which may make it a stronger option if you own or plan on buying a car or truck that meets Bristol West’s safety discount requirements.

Here’s a full list of discounts so you can see if you, or your vehicle, qualify:

  • Vehicle Safety Equipment Discounts (anti-lock braking system, anti-theft devices, airbag)
  • Proof of Prior Insurance
  • Prior Coverage Limits
  • Homeownership
  • Financial Responsibility
  • Mature Driver Course Completion
  • Insuring Two or More Autos
  • Minor Child Driver
  • Students Away From Home
  • Accident/Violation Free for More Than Three Years
  • Advance Purchase Discount
  • Paperless Discount
  • Paid-in-Full Discount
  • Electronic Funds Transfer (EFT) Payment Option

If you’re unsure whether your situation or the vehicle you’re insuring qualifies, you can reach out to Bristol West for assistance.

What states does Bristol West offer coverage in?

Bristol West offers coverage across the country, serving all but eight states. The company operates in every state except the following:

  • Alaska
  • Delaware
  • Hawaii
  • North Carolina
  • Rhode Island
  • Vermont
  • Washington, D.C.
  • West Virginia

Bristol West’s presence in so many locations makes it a viable option for a wide range of drivers. When it comes time to file a claim, regardless of which state you live in, Bristol provides multiple choices.

How to File a Car Insurance Claim With Bristol West

If you want to file a claim with Bristol West, you have three options:

  • You can make a claim over the phone while talking to a Bristol West customer service agent, providing them with the details regarding the accident, theft, or another incident. Representatives are available between 8:00 a.m. and 7:00 p.m. Eastern Time.
  • File your claim online via its website. If you opt to file an online claim, you’ll be able to input information within the appropriate fields. Representatives then use this info to follow up, ask questions, or request more information.
  • Use Bristol West’s insurance app, which is available for both Apple and Android devices. If you choose the mobile app or the online form, you may have better control over the Bristol West claims process. For example, you can take a break and finish filling it out several hours later, even at night or outside of Bristol West’s business hours. You can also complete it at your own pace, taking your time to get your answers just right.

Regardless of how you choose to file a claim, the kinds of information you have to disclose will be similar. You may be prompted to provide your name and contact information and information regarding who was driving or in charge of the vehicle if it was parked.

Some of the fields in this section may apply to another person if the driver wasn’t the individual who has a policy with Bristol West Insurance group. The fields most likely will include:

  • The first and last name of the driver and their contact info
  • Their relationship to the Bristol West policyholder, such as son, daughter, or spouse
  • Whether the driver has their own insured motor vehicle, and, if so, the name of the insurer

You then have to supply or verify information about the insured vehicle, including:

  • The make and model of the vehicle
  • The year the vehicle was manufactured
  • The vehicle registration number
  • Whether the vehicle was in proper working condition during the accident
  • How the vehicle was being used at the time of the accident
  • Whether there was a trailer attached
  • If the vehicle is a motorcycle, you will have to disclose whether there was a sidecar attached to it.

In addition, you have to provide details about the accident, including a description of what happened, if anyone was injured, any prior claims recently made on the vehicle involved in the accident, and whether the accident has been reported to the police.

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Does Bristol West offer any other types of insurance?

Bristol West does not offer any other kinds of insurance in addition to motor vehicle coverage.

The Bottom Line on Bristol West Insurance

Bristol West provides its customers with all the essential coverage options needed to meet state requirements in the 43 states it serves. It also provides helpful extras, such as roadside assistance and rideshare coverage.

When filing a claim with Bristol West, you have three options: over the phone, via its app, or online. Be sure to have all the necessary information ready before you start the claims process. 

Like all big decisions, it’s important to research all of your options. Before deciding on Bristol West insurance, enter your ZIP code into our free comparison tool to compare other car insurance companies in your area.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.