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

Wondering if Bristol West or Mmg is the best auto insurance company for you, your vehicle, and your wallet? We've broken down all the premiums and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Mmg offers significantly cheaper prices than Bristol West
  • Bristol West offers more discounts than MMG Insurance
  • Mmg tends to be a much more affordable option for residents of rural areas

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

So, you're considering 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 your search down to Bristol West or Mmg, but which company will save you the most?

Bristol West Mmg

As you can see, Mmg is quite a bit cheaper than Bristol West, with rates averaging $118 per month compared to $412 with Bristol West when looking at the national average rates for insurance.

But that doesn't necessarily mean Mmg will be the less expensive option for every driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your age, your driving record, or even where you call home (among other things), so premiums could differ drastically from person to person.

So, if you want to find out which of Bristol West or Mmg is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

Bristol West or Mmg: Average Car Insurance Rates by State

State Bristol West Mmg

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

But there's more to car insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your rates. Read on to find out more.

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Which is the Best Company For Young Drivers?

Bristol West Mmg
18-year-old drivers$785$253
25-year-old drivers$357$123

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. It's usually because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing Mmg over Bristol West.

That being said, both companies will reduce rates once you turn 25. Mmg offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Bristol West's average premiums lower nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

Bristol West Mmg
65+-year-old drivers$364$83

Once you approach retirement age, you'll generally enjoy the most affordable insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best prices for retired drivers between Bristol West and Mmg? Mmg gets the edge, with rates for drivers 65 and older over 75% less expensive than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Bristol West Mmg

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

When it comes to relationship status, Mmg is the clear winner for those who are single, with premiums about $329 per month less expensive than Bristol West, on average. The advantage is also clear for married drivers - Mmg offers the cheapest average prices.

Bristol West vs. Mmg: Average Rates by Gender

Bristol West Mmg

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll generally end up paying more for car insurance than women.

Surprisingly, men typically pay around $1 a month less than women with Bristol West, and more than $15 with Mmg.

Looking at overall affordability, Mmg comes out on top for both men and women. On average, women save about $302 per month and men save about $284 with Mmg compared to the average Bristol West policyholder.

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

Bristol West Mmg
State Minimum*$279$77
Full Coverage**$544$160

*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. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Mmg usually offers significantly cheaper rates of $77 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, Mmg again has the edge, with policies around $400 a month less expensive than Bristol West, on average.

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

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

It's no secret secret that collisions and tickets lead to higher premiums, but which company -- Bristol West or Mmg -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Mmg
Clean Record$339$90
1 Speeding Ticket$439$111

Bristol West policyholders can expect their premiums to go up an average of $100 per month if they get a ticket, while Mmg normally raises prices about $21 a month, on average.

But Mmg is generally the more affordable option for both drivers who have a recent speeding ticket and those with clean records, offering rates that are 73% and 75% cheaper, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West Mmg
Clean Record$339$90
1 At-Fault Accident$479$122

After an accident, drivers who have their auto insurance through Bristol West can expect to see around an $140 -- or about 29% -- increase in their insurance premiums. Drivers who use Mmg for their car insurance will see a monthly bill around $32 (or 26%) more expensive after reporting a collision to their auto insurance carrier.

Overall, drivers who use Mmg end up with the cheaper prices after an accident, with monthly prices averaging $122 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Mmg
Clean Record$339$90
1 DUI$390$151

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. For example, Mmg increases average premiums by over $60 per month -- that's over a 40% increase.

If you have a DUI on your record and are looking for more affordable prices, Mmg tends to be the much more affordable option with average rates of $151 monthly compared to $390 from Bristol West.

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How does Credit Score Impact Bristol West and Mmg Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for lots of drivers.

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

Looking at Bristol West and Mmg specifically, which carrier has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Bristol West Mmg
Excellent Credit Score$342$76
Good Credit Score$380$94

If you have great credit, you'll usually find a better deal with Mmg. Drivers with "excellent" credit can save just under 80% compared to Bristol West, and those with "good" scores can also expect to see savings -- about $286 or 75% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Bristol West Mmg
Fair Credit Score$413$118
Poor Credit Score$556$186

Mmg typically offers lower premiums than Bristol West when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $295 a month less with Mmg compared to Bristol West, and those with "poor" scores normally save an average of about $370 per month.

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

Bristol West Mmg
6,000 Annual Miles$410$118
12,000 Annual Miles$413$118

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. That's because the fewer miles you put on your car, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Mmg charges. However, there's a small difference in monthly premiums for Bristol West, with drivers who put 6,000 miles on their vehicle yearly paying around $3 less every month compared to those who drive 12,000 miles annually. Still, Mmg is the cheaper option for drivers in both categories.

Bristol West vs. Mmg: 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 auto insurance, but the type of area you live in can have a substantial impact as well. Typically, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

Bristol West Mmg
Urban Areas$539$120
Suburban Areas$386$131
Rural Areas$309$104

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

For drivers in urban ZIP codes, Mmg offers premiums about $120 a month compared to Bristol West's $539. People who live in suburban ZIP codes can expect to pay around $131 per month for Mmg and $386 for Bristol West. Lastly, those in rural areas tend to get the cheapest prices from both companies, with average monthly rates coming in at $104 and $309 for Mmg and Bristol West respectively.

Bristol West vs. Mmg Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

In the section below, we've broken down all of the different discounts offered by both Bristol West and Mmg 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 Mmg
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount
EFT Discount 
EZ-Pay Credit Discount 
Good Driving Discount 
Good Student Discount 
Homeowner Discount 
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount 
Multi-Policy Discount
New Business Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount 
Pay Plan Discount 

Bristol West knocks Mmg out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Mmg.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, distant student discounts, and multi-policy discounts -- but Bristol West also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Mmg does not.

On the flip side, Mmg has a couple unique discounts of its own -- ez-pay credit discounts, discounts for being a good student, new business discounts, and more.

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

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Bristol West or Mmg the best one for you and your specific driver profile?

Mmg might be best for you if....

  • You have a DUI charge on your record.
  • You want basic insurance coverage at the state minimum limits.
  • You drive fewer than 12,000 miles each year.

Bristol West might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Bristol West and Mmg. We also hope we've given you the information you need to make the best decision when it comes to 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 a handful of companies, not just Bristol West and Mmg. Luckily, sites like do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

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Bristol West vs. Mmg FAQs

Is Bristol West or Mmg cheaper?

Looking just at the national average premiums, Mmg is the more affordable of the two companies, offering average rates of $118 a month compared to $412 for Bristol West. That being said, Mmg won't necessarily be the lowest carrier for every policyholder, since there are lots of different variables that come into play when it comes to your insurance bill.

Who is better, Bristol West or Mmg?

Unfortunately, the answer truly is "it depends.". No one company is "better" for each driver -- it all depends on the makeup of your unique car insurance profile.

Why do Bristol West and Mmg offer me different rates?

Auto insurance carriers take a look at many different factors when calculating the rates they charge policyholders. Variables such as your driving record, where you park your vehicle, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Bristol West and Mmg calculate prices using different factors, so each one will most likely offer different rates. The only real way to see which carrier 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 Mmg is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Bristol West or Mmg 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.

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