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

Looking for car insurance and wondering if Bristol West or Depositors is the right company for you? If so, you're probably wondering which carrier has the most affordable premiums or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next auto insurance policy.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Based on national averages for insurance, Depositors offers significantly more affordable prices than Bristol West
  • Bristol West offers more discounts than Depositors Insurance Company
  • Depositors has less expensive rates for residents of rural areas

Bristol West vs. Depositors: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to Bristol West or Depositors, but which one will offer you cheaper prices?

Bristol West Depositors

As you can see, Depositors has average rates that are about 65% per month less expensive than those from Bristol West when looking at the national average rates for auto insurance.

That being said, Depositors may not be the lowest or best option for every single driver out there. Insurance companies use tons of complex algorithms to calculate premiums, so depending on how good your credit score is or how clean your driving record is (among a multitude of other factors), you could see wildly different rates from the ones above.

Wanting to know if Bristol West or Depositors 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 or Depositors: Average Car Insurance Rates by State

State Bristol West Depositors

Bristol West and Depositors only compete against each other in one states, with Depositors offering more affordable premiums to the average driver in all of them. Nevada has the most noticable difference, where Depositors rates are over 70% cheaper than car insurance premiums at Bristol West.

That being said, there's a lot more that goes into your auto insurance cost than just the state you live in. Keep reading to learn more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Bristol West Depositors
18-year-old drivers$785$311
25-year-old drivers$357$132

You might already know that teen drivers usually pay a lot more for insurance than any group out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Depositors save more than $450 a month compared to those who use Bristol West.

However, with both carriers, you'll see your prices drop significantly by the time drivers turn 25. Depositors offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Bristol West's average rates reduce nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

Bristol West Depositors
65+-year-old drivers$364$111

Once you approach retirement age, you'll normally enjoy the cheapest insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

When looking at Bristol West and Depositors specifically, which carrier is best for retired drivers? Depositors gets the edge, with rates for drivers 65 and older almost 70% less expensive than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Bristol West Depositors

Those who are single tend to get offered slightly more expensive car insurance prices than married couples. That's because policies for married policyholders generally cover several cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Depositors is the clear winner for single policyholders, with rates around $296 per month more affordable than Bristol West, on average. The advantage for married drivers with Depositors is also obvious, where drivers save over 65% a month.

Bristol West vs. Depositors: Average Rates by Gender

Bristol West Depositors

You may not know, but insurance is typically cheaper for women than it is for men. This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

Surprisingly, men generally pay about 0% less per month than women with Bristol West, while with Depositors, the difference is closer to 6% a month.

Looking at overall affordability, Depositors comes out as the most affordable option for both genders. On average, women save about $269 per month and men save around $259 with Depositors compared to the average Bristol West policyholder.

Find your best rate in just a few minutes

Bristol West or Depositors: Compare State Minimum vs. Full Coverage Rates

Bristol West Depositors
State Minimum*$279$84
Full Coverage**$544$211

*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, auto insurance can be pretty complicated. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability limits, Depositors usually offers significantly cheaper prices of $84 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, Depositors again has the edge, with policies about $350 a month more affordable than Bristol West, on average.

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

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and at-fault accidents will most likely raise your rates, but is Bristol West or Depositors less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Depositors
Clean Record$339$106
1 Speeding Ticket$439$130

Bristol West policyholders can expect their premiums to go up an average of $100 per month if they get a ticket, while Depositors typically raises rates around $24 a month, on average.

But Depositors has cheaper premiums for drivers in both categories -- their rates are around 69% less expensive for drivers with clean records and 70% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Bristol West Depositors
Clean Record$339$106
1 At-Fault Accident$479$157

Both carriers will increase prices pretty significantly if you get into an at-fault accident with Bristol West raising by just under $150. Depositors has a less extreme increase, but you can still expect to pay over $50 more than you were prior to your first collision.

Overall, Depositors offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $157 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Depositors
Clean Record$339$106
1 DUI$390$198

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. Depositors drivers usually see a 46% raise in their car insurance rates after a DUI charge, while Bristol West will generally climb premiums by about 13%.

If you have a DUI on your record and are looking for more affordable prices, Depositors tends to be the much cheaper option with average rates of $198 a month compared to $390 from Bristol West.

Find your best rate in just a few minutes

How does Credit Score Impact Bristol West and Depositors Rates?

You may not have known, but your credit score can be used as one of the factors to determine your monthly insurance prices. This isn't always the case (for example, are two states that ban the practice entirely), but it will come into play for lots of drivers.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Bristol West and Depositors specifically, which carrier has the best premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Bristol West Depositors
Excellent Credit Score$342$117
Good Credit Score$380$134

If you have a great credit score, you'll usually find a better deal with Depositors. Policyholders with "excellent" credit can save over 65% compared to Bristol West, and those with "good" scores can also expect to see savings -- around $246 or 65% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Bristol West Depositors
Fair Credit Score$413$155
Poor Credit Score$556$185

Depositors typically offers lower rates than Bristol West when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $258 per month less with Depositors compared to Bristol West, and those with "poor" scores usually save an average of around $371 monthly.

Find your best rate in just a few minutes

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

Bristol West Depositors
6,000 Annual Miles$410$148
12,000 Annual Miles$413$148

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly prices? Normally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Depositors charges. However, there's a small difference in monthly rates for Bristol West, with policyholders who drive the least paying about $3 less every month compared to those who drive 12,000 miles each year. Still, Depositors is the more affordable option for drivers in both categories.

Bristol West vs. Depositors: 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 considerable impact as well. Generally, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

Bristol West Depositors
Urban Areas$539$174
Suburban Areas$386$139
Rural Areas$309$130

Depositors tends to offer the most affordable rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Depositors offers prices around $174 per month compared to Bristol West's $539. People who live in suburban ZIP codes can expect to pay about $139 a month for Depositors and $386 for Bristol West. Lastly, those in rural areas tend to get the cheapest premiums from both carriers, with average monthly rates coming in at $130 and $309 for Depositors and Bristol West respectively.

Bristol West vs. Depositors Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Bristol West and Depositors so that you can find the company that has the most discounts and, therefore, the biggest savings.

Bristol West Depositors
ABS Discount 
Advance Quote Discount
Anti-Theft Discount 
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
EFT Discount
Employee Discount 
Good Driving Discount
Good Student Discount 
Group Discount 
Homeowner Discount
Intra-Agency Transfer Discount 
Life Policy Discount 
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount
Multi-Policy Discount
New Vehicle Discount 

Looking at the total number of discounts, Bristol West comes out ahead with 18 discounts to Depositors's 17.

A couple of those are overlapping for things like discounts for being a defensive driver, EFT discounts, discounts for being a good driver, and multi-policy discounts. Bristol West also offers ABS discounts, anti-theft discounts, continuous insurance discounts, and more that Depositors does not.

On the flip side, Depositors has a couple unique discounts of its own -- COVID-19 relief discount, employee discounts, discounts for being a good student, and more.

Find your best rate in just a few minutes

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

So, we've broken down the average prices for many of the variables auto insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the best one for you and your specific profile and needs?

Depositors might be best for you if....

  • You've been pulled over for speeding recently.
  • You have above-average credit.
  • You live in a rural neighborhood.

Bristol West might be best for you if...

  • You care about discounts (Bristol West offers the most).

We hope this guide helps you get a good idea of the differences between Bristol West and Depositors. We also hope we've given you the information you need to make the best 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 car insurance policy is to compare quotes from multiple carriers, not just Bristol West and Depositors. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Find your best rate in just a few minutes

Bristol West vs. Depositors FAQs

Is Bristol West or Depositors cheaper?

Looking just at the national average rates, Depositors is the less expensive of the two carriers, offering average rates of $148 per month compared to $412 for Bristol West. That being said, Depositors won't necessarily be the lowest company for every policyholder, since there are lots of different factors that are considered when it comes to your car insurance payment.

Who is better, Bristol West or Depositors?

Sadly, the real answer is "it depends.". No single carrier is "better" for each driver -- it all boils down to your unique auto insurance profile.

Why do Bristol West and Depositors offer me different rates?

Insurance companies take a look at quite a few different variables when calculating the premiums they charge drivers. Things like gender, your driving record, age, where you live, and sometimes even things like your credit score can all be used. Both Bristol West and Depositors calculate prices using different factors, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Bristol West or Depositors at all!


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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes