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

Quick Facts

• Based on national averages for insurance, Country Financial offers significantly more affordable prices than Bristol West
• Bristol West may help you save more money -- they offer more discounts than COUNTRY Financial
• Country Financial offers less expensive average rates for single people who will be the only person on the car insurance policy

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Bristol West or Country Financial as potential options, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, Country Financial is quite a bit cheaper than Bristol West, with prices averaging $138 a month compared to $412 with Bristol West.

However, that doesn't necessarily mean Country Financial will be the cheaper option for every single driver. Insurance companies vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and all sorts of other factors, so rates will differ quite a bit from person to person.

Wanting to know if Bristol West or Country Financial is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Bristol West vs. Country Financial: Average Car Insurance Rates by State

Bristol West and Country Financial only compete against each other in one states, with Country Financial offering less expensive rates to the average driver in all of them. Nevada has the most noticable difference, where Country Financial premiums are $433 more affordable than auto insurance rates at Bristol West.

There are plenty of other factors that go into your insurance bill than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers out there on the road. It's generally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use Country Financial save over 65% per month compared to those who use Bristol West.

That being said, with both carriers, you'll see your prices drop significantly by the time you turn 25. Country Financial offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Bristol West's average rates lower almost 55% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable insurance premiums out there. After all, they've likely been driving for quite some time, which usually reduces their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between Bristol West and Country Financial? Country Financial gets the edge, with premiums for drivers 65 and older $259 cheaper than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are typically more expensive for single drivers than they are for married policyholders? This usually boils down to married couples having several vehicles on their policy -- something many car insurance companies will reward with discounts.

For single policyholders, the difference in average rates between these two carriers is significant, with Country Financial prices coming in at around a third of Bristol West's. For married drivers, the advantage is clear again - Country Financial has the edge when it comes to average premiums.

Bristol West or Country Financial: Average Rates by Gender

You may not know, but auto insurance is normally cheaper for women than it is for men. This is because men are statistically more likely than women to get tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Surprisingly, with Bristol West, women generallypay about $1 a month more than men, and around $3 less with Country Financial.

Looking at overall affordability, Country Financial comes out on top for both men and women, with average rates $271 less for men and $275 cheaper for women.

Bristol West vs. Country Financial: 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.

Insurance can be a complicated subject for most people. There are a range of different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability insurance, Country Financial has the significant edge, with average monthly premiums coming in at $82. If you want a full coverage policy with the same state minimum limits, Country Financial again has the edge, with policies averaging about $194 per month to Bristol West's $544.

Is Bristol West or Country Financial Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Bristol West for their insurance can generally expect their monthly bill to go up around 23% after getting a speeding ticket. Country Financial policyholders can expect a bit more drastic of an increase of about 23%.

But Country Financial is usually the less expensive option for drivers both with clean records and with a ticket. With COUNTRY Financial, drivers with a clean record can save around $234 a month and drivers with a speeding ticket can save about $303 per month.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Bristol West increasing by around 29%. Country Financial has a less extreme climb, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, the cheaper premiums come from Country Financial, with average prices coming in at $147 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 a collision. On average, Country Financial will raise your rates about 36% after a DUI, while Bristol West's average prices increase by just under 15%.

But if you end up with a DUI charge and are looking for more affordable premiums, Country Financial tends to be more affordable for the average driver, with monthly premiums coming in at around $165 to Bristol West's $390.

How does Credit Score Impact Bristol West and Country Financial Rates?

Did you know many auto insurance carriers take into account your credit score when determining rates? Certain states and companies do not allow for credit score to be used as a car insurance factor, but it might come into play for lots of drivers.

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

Looking specifically at Bristol West and Country Financial, which company has the cheapest rates 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 Bristol West or Country Financial Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly insurance cost. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

Country Financial tends to be the more affordable option for both remote workers and those taking short commutes. Bristol West's average premiums for drivers with 6,000 annual miles come in about 67% more expensive than Country Financial. Those who drive 12,000 miles yearly can expect to pay around 66% more with Bristol West over Country Financial.

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

Where you live can play a big role in how much you pay for car insurance. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads where they live.

Country Financial tends to offer the most affordable prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, COUNTRY Financial's average rates are about 68% less than Bristol West. People who live in suburban areas pay around 66% less with Country Financial compared to Bristol West. Those in rural areas can expect to save about 65% with Country Financial compared to Bristol West.

Bristol West vs. Country Financial Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

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

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

Bristol West knocks Country Financial out of the park when it comes to the sheer number of discounts available, offering eight more discounts than Country Financial.

There are a couple discounts both companies offer, but Bristol West also offers discounts for ABS, advance quote, continuous insurance, and more.

On the other hand, Country Financial has a few proprietary discounts of their own for things like driver training discounts, good student discounts, group discounts, and more.

Final Thoughts: Is Bristol West or Country Financial Best for You?

So, we've broken down the average premiums for many of the variables auto insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the right carrier for you and your specific profile and needs?

Country Financial might be best for you if....

• Your driving record includes a DUI charge.
• You live in an suburban area.
• You drive fewer than 6,000 miles annually.

Bristol West might be best for you if...

• You're looking for discounts -- Bristol West has the most.

Hopefully, this guide has ben a valuable resource as you compare Bristol West and Country Financial. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from several companies, not just Bristol West and Country Financial. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Bristol West vs. Country Financial FAQs

Is Bristol West or Country Financial cheaper?

Country Financial is the less expensive of the two companies when looking at national average prices, with policies averaging $138 a month with Country Financial and $412 for Bristol West. Even so, that doesn't mean Country Financial will be the cheapest company for every policyholder, since there are lots of different factors that are considered when it comes to your insurance payment.

Who is better, Bristol West or Country Financial?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Bristol West and Country Financial offer me different rates?

Auto insurance carriers use several different variables when calculating the rates they charge. Things like where you park your vehicle, age, gender, where you call home, and sometimes even things like your credit score can all be used. Both Bristol West and Country Financial calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car 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 Bristol West or Country Financial 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.