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

If you're in the market for a new car insurance policy, you might be wondering how Hastings Mutual and Bristol West compare when it comes to the cheapest rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for insurance, Hastings Mutual offers significantly cheaper premiums than Bristol West
  • Bristol West may help you save more money -- they offer more discounts than Hastings Mutual Insurance Company
  • Hastings Mutual tends to be a much less expensive option for policyholders who drive fewer than 6,000 miles every year


Bristol West or Hastings Mutual: 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 large savings, but exactly how much money can you save by switching?

You might have narrowed it down to Bristol West or Hastings Mutual, but between the two, which one will save you the most?

Bristol West Hastings Mutual
$412$211

Looking at nationwide averages, Hastings Mutual has average rates that are around 50% a month more affordable than those from Bristol West.

But that doesn't mean Hastings Mutual will necessarily be cheaper than Bristol West for every driver. Auto insurance carriers use a variety of complex algorithms to determine prices, so depending on how good your credit score is or where you live (among a multitude of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Bristol West and Hastings Mutual by several different rate factors, so read on to find out which carrier is the best for you.

Bristol West vs. Hastings Mutual: Average Car Insurance Rates by State

State Bristol West Hastings Mutual
MI$650$582

Bristol West and Hastings Mutual only compete against each other in one states, with Hastings Mutual offering more affordable rates to the average driver in all of them. Michigan has the most noticable difference, where Hastings Mutual prices are $68 less expensive than car insurance premiums at Bristol West.

There are plenty of other factors that go into your insurance bill than just the state you live in. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

Bristol West Hastings Mutual
18-year-old drivers$785$374
25-year-old drivers$357$202

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. It's because 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.

However, that doesn't mean that teen drivers have to just accept sky-high insurance prices. For example, 18-year-old drivers pay an average of over 50% less per month by choosing Hastings Mutual over 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 reduce almost 55% and Hastings Mutual's rates drop more than 45% over that time.

Which is the Best Company for Retired Drivers?

Bristol West Hastings Mutual
65+-year-old drivers$364$167

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

When looking at Bristol West and Hastings Mutual specifically, which company is best for retired drivers? Hastings Mutual gets the edge, with rates for drivers 65 and older $197 more affordable than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Bristol West Hastings Mutual
Single$467$231
Married$338$183

You may not be aware, but insurance premiums tend to be more expensive for single drivers than they are for married couples. That's typically because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Hastings Mutual premiums coming in at about half of Bristol West's. The advantage for married drivers with Hastings Mutual is also obvious, where drivers save around $150 a month.

Bristol West or Hastings Mutual: Average Rates by Gender

Bristol West Hastings Mutual
Male$411$213
Female$412$208

Men are statistically more likely than women to get into collisions and get speeding tickets, which means they'll generally end up paying more for auto insurance than women.

Surprisingly, with Bristol West, women usuallypay about 0% more per month than men, and around 2% less with Hastings Mutual.

Looking at overall affordability, Hastings Mutual offers the most affordable average rates for both men and women. On average, male drivers save about $198 a month and women save about $204 with Hastings Mutual compared to the average Bristol West policyholder.


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Bristol West vs. Hastings Mutual: Compare State Minimum vs. Full Coverage Rates

Bristol West Hastings Mutual
State Minimum*$279$142
Full Coverage**$544$279

*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.

Car insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum liability limits, Hastings Mutual has the significant edge, with average monthly prices coming in at $142. If you want a full coverage policy with the same state minimum limits, Hastings Mutual again has the edge, with policies averaging around $279 per month to Bristol West's $544.

Is Bristol West or Hastings Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

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

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Hastings Mutual
Clean Record$339$109
1 Speeding Ticket$439$129

Policyholders who use Bristol West for their car insurance can generally expect their monthly bill to go up about 23% after getting a speeding ticket. Hastings Mutual policyholders can expect a less drastic increase of around 16%.

That being said, Hastings Mutual has cheaper rates for drivers in both categories -- their rates are around 68% less expensive for drivers with clean records and 71% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Bristol West Hastings Mutual
Clean Record$339$109
1 At-Fault Accident$479$126

Bristol West drivers who get in an accident can expect to see their prices rise by just under $150, while those who have insurance through Hastings Mutual will see about a $15 increase.

At the end of the day, drivers who use Hastings Mutual end up with the cheaper prices after an accident, with average rates coming in at $126 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Hastings Mutual
Clean Record$339$109
1 DUI$390$478

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. For example, Hastings Mutual increases average prices by more than $350 a month -- that's more than a 75% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Bristol West tends to be cheaper for the average driver, with monthly premiums coming in at around $390 to Hastings Mutual's $478.


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How does Credit Score Impact Bristol West and Hastings Mutual Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it will come into play for a lot of policyholders.

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, drivers with bad credit will often be forced to pay more.

Looking specifically at Hastings Mutual and Bristol West, which carrier has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Bristol West Hastings Mutual
Excellent Credit Score$342$167
Good Credit Score$380$193

If you have a great credit score, Hastings Mutual will typically reward you the most. For drivers with "excellent" credit scores, Hastings Mutual comes in over 51.17 less expensive. Drivers with "good" credit scores usually save about 49% with Hastings Mutual compared to average premiums from Bristol West.

Which Company is Best for Drivers with Bad Credit?

Bristol West Hastings Mutual
Fair Credit Score$413$207
Poor Credit Score$556$275

Hastings Mutual typically offers lower rates than Bristol West when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 50% per month less with Hastings Mutual compared to Bristol West, and those with "poor" scores typically save an average of about 51% per month.


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

Bristol West Hastings Mutual
6,000 Annual Miles$410$211
12,000 Annual Miles$413$211

How much you drive can have a sizable impact on your monthly car insurance payment. Normally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

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

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

Where you live can play a considerable role in how much you pay for insurance. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Bristol West Hastings Mutual
Urban Areas$539$291
Suburban Areas$386$177
Rural Areas$309$164

Hastings Mutual tends to offer the most affordable rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $145 with Hastings Mutual compared to Bristol West. People who live in suburban areas pay around $209 less with Hastings Mutual compared to Bristol West. For policyholders in urban ZIP codes, Hastings Mutual Insurance Company's average prices are about $248 less than Bristol West.

Bristol West vs. Hastings Mutual 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 what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

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

Bristol West Hastings Mutual
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Company Car Discount 
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount 
EFT Discount 
Good Driving Discount
Good Student Discount 
Homeowner 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 
Prior Carrier Discount

Bristol West blows Hastings Mutual away when it comes to the sheer amount of discounts available, offering eight more discounts than Hastings Mutual.

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

On the other hand, Hastings Mutual has a few proprietary discounts of their own for things like company car discounts, good student discounts, and workloss exclusion discounts.


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Final Thoughts: Is Bristol West or Hastings Mutual Best for You?

So, we've broken down the average rates for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, is Bristol West or Hastings Mutual the best company for you and your specific driver profile?

Hastings Mutual might be best for you if....

  • You have a clean driving record, free of collisions, tickets, or DUIs.
  • You're looking for the best premiums on liability only coverage.
  • You drive often but have a short commute.


Bristol West might be best for you if...

  • Your driving record includes a DUI charge.
  • You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Bristol West and Hastings Mutual. We also hope we've given you the information you need to make the best decision about 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 carriers, not just Bristol West and Hastings Mutual. 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 the top insurance companies in your area, all in just a few minutes.


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Bristol West vs. Hastings Mutual FAQs

Is Bristol West or Hastings Mutual cheaper?

Hastings Mutual is the more affordable of the two carriers when looking at national average prices, with policies averaging $211 a month with Hastings Mutual and $412 for Bristol West. However, that doesn't mean Hastings Mutual will be the lowest company for everyone, since there are a bunch of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Bristol West or Hastings Mutual?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Hastings Mutual is less expensive for drivers with excellent credit, while Bristol West offers more affordable premiums for drivers with a recent DUI.

Why do Bristol West and Hastings Mutual offer me different rates?

Car insurance companies use quite a few different variables when determining the prices they charge. Factors like gender, age, your driving record, where your home is, and sometimes even things like your credit score can all come into play. Both Bristol West and Hastings Mutual calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple 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 ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Bristol West or Hastings Mutual 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.

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