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

Quick Facts

• Based on national averages for auto insurance, Hallmark Financial offers significantly cheaper rates than Bristol West
• Bristol West offers more discounts than Hallmark Financial
• Hallmark Financial tends to be a much more affordable option for couples purchasing insurance together

Bristol West vs. Hallmark Financial: 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 large discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Bristol West or Hallmark Financial as potential options, but which company will save you the most?

As you can see, Bristol West is quite a bit more expensive than Hallmark Financial, with premiums averaging $412 per month compared to just $211 with Hallmark Financial when looking at the national average rates for car insurance.

But that doesn't mean Hallmark Financial will necessarily be less expensive than Bristol West for every driver. Auto insurance companies vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and a variety of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

Bristol West or Hallmark Financial: Average Car Insurance Rates by State

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

That being said, there's a lot more that goes into your insurance bill than just your home state. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $300 less a month by choosing Hallmark Financial over Bristol West.

Even so, both carriers will decrease premiums once you turn 25. Hallmark Financial offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Bristol West's average prices reduce nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

But who has the best prices for retired drivers between Bristol West and Hallmark Financial? Hallmark Financial gets the edge here, with average premiums coming in at about $154 per month compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are typically less expensive for married policyholders than they are for single policyholders? That's because policies for married drivers generally cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Hallmark Financial is the clear winner for single drivers, with rates around $212 per month cheaper than Bristol West, on average. The advantage for married couples with Hallmark Financial is also obvious, where drivers save over 55% a month.

Bristol West vs. Hallmark 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 cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

Surprisingly, men typically pay about $1 per month less than women with Bristol West, and around $20 with Hallmark Financial.

Looking at overall affordability, Hallmark Financial comes out on top for both men and women. On average, male drivers save about $190 a month and women save about $211 with Hallmark Financial compared to the average Bristol West policyholder.

Bristol West or Hallmark 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.

It's no secret that insurance can be pretty complicated. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy.

However, the 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 an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability limits, Hallmark Financial generally offers significantly less expensive rates of $115 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, Hallmark Financial again has the edge, with policies around $250 per month more affordable than Bristol West, on average.

Is Bristol West or Hallmark Financial 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.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the lowest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West policyholders can expect their premiums to go up an average of $100 a month if they get a ticket, while Hallmark Financial normally raises rates about $14 per month, on average.

That being said, Hallmark Financial has less expensive prices for drivers in both categories, offering premiums that are 43% and 53% cheaper, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West drivers who get in a collision can expect to see their prices increase by just under 30%, while those who have insurance through Hallmark Financial will see around a 15% increase.

Overall, the more affordable rates come from Hallmark Financial, with monthly premiums averaging $229 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 speeding ticket or even an accident. Bristol West drivers usually see a 13% increase in their car insurance rates after a DUI charge, while Hallmark Financial will usually raise premiums by about 8%.

If you have a DUI on your record and are looking for more affordable prices, Hallmark Financial tends to be the much cheaper option with average premiums of $212 a month compared to $390 from Bristol West.

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

You may not realized it, but your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot of policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

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

How much you drive can have a big impact on your monthly insurance payment. Typically, the more miles you drive, the more you can expect to pay for auto insurance.

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

Bristol West vs. Hallmark Financial: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a substantial impact on your monthly insurance cost. Generally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

When comparing these two carriers side-by-side, Hallmark Financial usually comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both companies, but Hallmark Financial comes out on top with average premiums about $178 monthly. Hallmark Financial also has cheaper average rates for drivers in urban and suburban ZIP codes -- a $314 and $157 a month respective difference when compared to Bristol West policyholders in similar areas.

Bristol West vs. Hallmark Financial Discounts

Regardless of 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 possible, and the best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

Below, we've compared all of the different discounts offered by Bristol West and Hallmark Financial so that you can see which carrier can save you the most money each month.

Bristol West knocks Hallmark Financial out of the park when it comes to the sheer number of discounts available, offering 14 more discounts than Hallmark Financial.

There are a couple discounts both carriers offer, but Bristol West also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Hallmark Financial does not.

On the flip side, Hallmark Financial has a couple unique discounts of its own -- education discounts and foreign license discounts.

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

You've seen the role certain variables have on your car insurance and the different discounts companies offer. But, when it comes down to it, which company is the best fit for you?

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

• You have a DUI charge on your record.
• You want basic auto insurance coverage at the state minimum limits.
• You have a short drive to work everyday.

Bristol West might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Bristol West and Hallmark Financial and that it aids in making a more informed decision about your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Bristol West and Hallmark Financial. Luckily, sites like Compare.com make 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.

Bristol West vs. Hallmark Financial FAQs

Is Bristol West or Hallmark Financial cheaper?

Looking just at the national average prices, Hallmark Financial is the less expensive of the two carriers, offering average rates of $211 per month compared to $412 for Bristol West. However, Hallmark Financial won't necessarily be the cheapest carrier for everyone, since there are lots of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Bristol West or Hallmark Financial?

Unfortunately, the only answer we can give you is "it depends.". No one company is "better" for each driver -- it all depends on what your unique car insurance profile looks like.

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

Auto insurance companies take a look at several different variables when calculating the premiums they charge drivers. Factors such as your driving record, age, where your home is, gender, and sometimes even things like your credit score can all come into play. Both Bristol West and Hallmark Financial calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance company 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, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Bristol West or Hallmark Financial at all!

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.