Aig vs. Bristol West: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Aig offers significantly less expensive rates than Bristol West
• Aig offers more affordable prices for policyholders who live in urban areas
• Bristol West may help you save more money -- they offer more discounts than AIG

Aig or Bristol West: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Aig or Bristol West for your next policy, but which carrier will save you the most?

Looking at nationwide averages, Bristol West is quite a bit more expensive than Aig, with premiums averaging $412 a month compared to just $267 with Aig.

However, Aig may not be the most affordable or best option for every single driver out there. Auto insurance carriers use all sorts of complex algorithms to determine prices, so depending on how old you are or how clean your driving record is (among quite a few other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Aig and Bristol West by a bunch of different rate factors, so read on to find out which company is the best for you.

Aig vs. Bristol West: Average Car Insurance Rates by State

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There are plenty of other factors that go into your car insurance payment than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any other group of drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of over 45% less a month by choosing Aig over Bristol West.

That being said, with both companies, you'll see your rates drop significantly by the time you turn 25. For example, average premiums for Aig policyholders decrease almost 35% and Bristol West's rates reduce nearly 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest insurance prices you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise premiums.

When looking at Aig and Bristol West specifically, which carrier is best for retired drivers? Aig gets the edge, with rates for drivers 65 and older $145 more affordable than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper auto insurance prices than single policyholders. That's usually because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with Aig prices coming in at a third less than Bristol West's. For married drivers, the advantage is clear again - Aig has the edge when it comes to average rates.

Aig or Bristol West: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to car insurance men will generally end up paying a little more.

On average, men see prices around 5% per month higher with Aig, but surprisingly, with Bristol West, men typically pay about 0% a month less than women.

Looking at the data for each company specifically, Aig comes out as the cheapest option for both genders. On average, women save about $153 per month and men save around $137 with Aig compared to the average Bristol West policyholder.

Aig vs. Bristol West: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy for you.

But most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum limits for liability insurance, Aig has the significant edge, with average monthly premiums coming in at $129. If you want a full coverage policy with the same state minimum limits, Aig again has the edge, with policies averaging about $405 a month to Bristol West's $544.

Is Aig or Bristol West Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and at-fault collisions lead to higher premiums, but which carrier -- Aig or Bristol West -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Aig for their car insurance can normally expect their monthly bill to go up around 25% after getting a speeding ticket. Bristol West policyholders can expect a less drastic increase of about 23%.

Even so, Aig tends to offer the best prices for drivers both with clean records and with a ticket. With AIG, drivers with a clean record can save around $117 per month and drivers with a speeding ticket can save about $144 a month.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Bristol West raising by around 29%. Aig has a less extreme rise, but you can still expect to pay more than 25% more than you were prior to your first accident.

At the end of the day, Aig offers the cheapest premiums for drivers with an at-fault collision on their records, with average prices coming in at $305 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, Bristol West increases average rates by more than $50 per month -- that's nearly a 15% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Aig tends to be more affordable for the average driver, with monthly premiums coming in at about $246 to Bristol West's $390.

How does Credit Score Impact Aig and Bristol West Rates?

Did you know many auto insurance companies take your credit score into account when determining rates? This isn't true for everyone (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect lots of drivers out there.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper prices.

Looking at Aig and Bristol West specifically, which company has the most affordable premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Aig or Bristol West Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Aig tends to be the less expensive option. Aig average rates for drivers with 6,000 annual miles come in nearly $150 more affordable than Bristol West. Those who drive 12,000 miles every year can expect to pay just under $150 less with Aig over Bristol West.

Aig or Bristol West: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a big role in how much you pay for auto insurance. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer cars on the roads where they live.

Aig boasts the most affordable average premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 39% with Aig compared to Bristol West. People who live in suburban areas pay about 26% less with Aig compared to Bristol West. For policyholders in urban ZIP codes, AIG's average prices are around 39% less than Bristol West.

Aig vs. Bristol West Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Aig and Bristol West so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Overall, Bristol West has the advantage when it comes to total number of discounts. Aig offers a grand total of 13 discounts, while Bristol West has 18.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, distant student discounts, and multi-policy discounts. Bristol West also offers discounts for continuous insurance, EFT, homeowner, and more.

On the other hand, Aig has a few proprietary discounts of their own for things like guard gated discounts, hybrid vehicle discounts, and low mileage discounts.

Final Thoughts: Is Aig or Bristol West Best for You?

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, is Aig or Bristol West the best one for you and your specific profile and needs?

Aig might be best for you if....

• You will be the only person on the car insurance policy.
• You live in an urban area.
• You're of retirement age and want to take advantage of lower premiums.

Bristol West might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Aig and Bristol West and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Aig and Bristol West. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Aig vs. Bristol West FAQs

Is Aig or Bristol West cheaper?

Aig is the less expensive of the two companies when looking at national average prices, with policies averaging $267 a month with Aig and $412 for Bristol West. However, that doesn't mean Aig will be the cheapest company for each driver, since there are lots of different factors that come into play when it comes to your car insurance cost.

Who is better, Aig or Bristol West?

Sadly, the answer truly is "it depends.". No single carrier is "better" for every policyholder -- it all comes down to what your unique insurance profile looks like.

Why do Aig and Bristol West offer me different rates?

Auto insurance carriers use several different variables when calculating the rates they charge. Factors such as where you call home, where your home is, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Aig and Bristol West calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from several different companies.

How do I know if Aig or Bristol West is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Aig or Bristol West at all, but another you hadn't even thought of!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.