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

Want to know if Bristol West or Cse is the better choice for car insurance? You're probably wondering which carrier offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, Cse offers significantly cheaper rates than Bristol West
  • Bristol West may help you save more money -- they offer more discounts than CSE Insurance Group
  • Cse tends to be a much less expensive option for policyholders who are looking to purchase insurance with a spouse

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Bristol West or Cse as potential options, but between the two, which one will save you the most?

Bristol West Cse

As you can see, Cse is quite a bit cheaper than Bristol West, with prices averaging $175 a month compared to $412 with Bristol West when looking at the national average rates for auto insurance.

Even so, Cse may not be the lowest or best option for each driver out there. After all, car insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, your driving record, where you call home, or even your age (among other things), so premiums will vary quite a bit from person to person.

So, if you want to find out which of Bristol West or Cse is really the best for you, keep reading to see average rates for each company broken down by many different rate factors.

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

State Bristol West Cse

Bristol West and Cse only compete against each other in California, where Cse offers the cheaper average prices. Cse drivers tend to pay about $14 per month less on average compared to drivers who use Bristol West for their auto insurance.

There's a lot more that goes into your insurance payment than just where you call home. Continue reading to learn more about how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Bristol West Cse
18-year-old drivers$785$354
25-year-old drivers$357$173

You might already know that teen drivers usually pay a lot more for auto insurance than any group on the road. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Cse save almost 55% a month compared to those who use Bristol West.

That being said, both companies will offer you dramatically lower rates by the time you turn 25. For example, average premiums for Bristol West policyholders decrease nearly 55% and Cse's prices lower over 50% over that time.

Which is the Best Company for Retired Drivers?

Bristol West Cse
65+-year-old drivers$364$128

Drivers around retirement age normally enjoy some of the cheapest insurance premiums out there. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise rates.

When looking at Bristol West and Cse specifically, which carrier is best for retired drivers? Cse gets the edge, with prices for drivers 65 and older almost 65% more affordable than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Bristol West Cse

Did you know that auto insurance premiums are typically more expensive for single drivers than they are for married couples? This usually boils down to married drivers having more than one vehicle on their policy -- something quite a few car insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with Cse prices coming in at around half of Bristol West's. The advantage is also clear for married policyholders - Cse offers the most affordable average premiums.

Bristol West or Cse: Average Rates by Gender

Bristol West Cse

Women tend to pay less for insurance than men. That's because women are less likely to get into accidents and get tickets, which decreases the chances of filing a claim with insurance.

Surprisingly, with Bristol West, women generallypay about 0% more per month than men; and with Cse, both genders end up paying the same monthly price.

Looking at overall affordability, Cse comes out as the lowest option for both genders, with average prices 57% less for men and 58% cheaper for women.

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

Bristol West Cse
State Minimum*$279$81
Full Coverage**$544$270

*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, car insurance can be pretty complicated. There are so many different terms and limits that it can make it pretty confusing 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 includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability limits, Cse has the significant edge, with average monthly rates coming in at $81. If you want a full coverage policy with the same state minimum limits, Cse again has the edge, with policies averaging around $270 a month to Bristol West's $544.

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

You've probably seen plenty of commercials from auto insurance carriers offering great premiums 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 at-fault accidents and speeding tickets on your record, but which of these two companies offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Cse
Clean Record$339$123
1 Speeding Ticket$439$161

Policyholders who use Bristol West for their insurance can normally expect their monthly bill to go up about 23% after getting a speeding ticket. Cse policyholders can expect a bit more drastic of an increase of around 24%.

That being said, Cse tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering prices that are 64% and 63% less expensive, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West Cse
Clean Record$339$123
1 At-Fault Accident$479$176

Bristol West drivers who get in an accident can expect to see their rates rise by just under $150, while those who have insurance through Cse will see about a $55 increase.

At the end of the day, drivers who use Cse end up with the cheaper prices after an accident, with average prices coming in at $176 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Cse
Clean Record$339$123
1 DUI$390$241

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, Cse increases average premiums by more than $100 per month -- that's nearly a 50% increase.

But if you end up with a DUI charge and are looking for more affordable prices, Cse tends to be cheaper for the average driver, with monthly premiums coming in at around $241 to Bristol West's $390.

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How does Credit Score Impact Bristol West and Cse Rates?

Did you know many car insurance carriers take your credit score into account when determining rates? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it will come into play for several policyholders.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Bristol West Cse
Excellent Credit Score$342No Data Available
Good Credit Score$380No Data Available

You'll often be rewarded if you have stellar credit. Improving your "good" credit score to an "excellent" one will typically save Bristol West customers about $40. On the other hand, because Cse doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Bristol West Cse
Fair Credit Score$413No Data Available
Poor Credit Score$556No Data Available

Having bad credit usually means you'll also see higher premiums with Bristol West. If your credit score is in the "poor" range, at Bristol West, you may pay around 25% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Cse doesn't have data available for credit scores, they might have better prices for drivers with bad credit over Bristol West.

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

Bristol West Cse
6,000 Annual Miles$410$161
12,000 Annual Miles$413$189

The amount of time you spend behind the wheel of your car plays a big role in how much auto insurance carriers will charge for coverage. Typically, those who drive less will end up with more affordable premiums since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Cse tends to be the cheaper option. Cse's average rates for drivers with 6,000 annual miles come in about $249 more affordable than Bristol West. Those who drive 12,000 miles yearly can expect to pay around $224 less with Cse over Bristol West.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a big impact as well. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Bristol West Cse
Urban Areas$539$186
Suburban Areas$386$178
Rural Areas$309$161

When comparing these two companies side-by-side, Cse normally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, CSE Insurance Group's average premiums are about 65% less than Bristol West. People who live in suburban areas pay around 54% less with Cse compared to Bristol West. Those in rural areas can expect to save about 48% with Cse compared to Bristol West.

Bristol West vs. Cse 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 insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Bristol West and Cse so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Bristol West Cse
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Defensive Driver Discount 
Distant Student Discount 
EFT Discount 
Employee Discount 
Good Driving Discount
Goverment Employee Discount 
Homeowner Discount 
Mature Driver Discount 
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount 
Multi-Policy Discount
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 
Pay Plan Discount 

Bristol West blows Cse away when it comes to the sheer amount of discounts available, offering 13 more discounts than Cse.

A couple of those are overlapping for things like discounts for being a good driver and multi-policy discounts. Bristol West also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Cse has a few proprietary discounts of their own for things like employee discounts, goverment employee discounts, and mature driver discounts.

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

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, is Bristol West or Cse the best carrier for you and your specific driver profile?

Cse might be best for you if....

  • You have a speeding ticket on your driving record.
  • You don't spend much time in your car.

Bristol West might be best for you if...

  • You have less-than-stellar credit.
  • You have above-average credit.
  • You're looking for discounts -- Bristol West has the most.

Hopefully, this guide helps you get a good idea of the differences between Bristol West and Cse and that it aids in making a more informed decision about your auto insurance.

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

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Bristol West vs. Cse FAQs

Is Bristol West or Cse cheaper?

Cse is the less expensive of the two companies when looking at national average rates, with policies averaging $175 per month with Cse and $412 for Bristol West. But that doesn't mean Cse will be the lowest company for every policyholder, since there are a bunch of different variables that come into play when it comes to your car insurance bill.

Who is better, Bristol West or Cse?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Bristol West is more affordable for drivers who have less-than-stellar credit scores, while Cse offers cheaper prices for drivers with an at-fault accident on their record.

Why do Bristol West and Cse offer me different rates?

Auto insurance carriers use a lot of different factors when calculating the rates they charge. Things such as your driving record, age, where you live, gender, and sometimes even things like your credit score can all be used. Both Bristol West and Cse calculate premiums using different variables, 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 several different companies.

How do I know if Bristol West or Cse 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, makes 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. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Bristol West or Cse at all, but another you hadn't even thought of!


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.

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