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

You've probably seen ads offering big savings on insurance, but are Bristol West or Nevada Capital right for you? Which company offers the most affordable premiums, or the most discounts? Read on to see how Bristol West and Nevada Capital compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for auto insurance, Nevada Capital offers significantly cheaper rates than Bristol West
  • Bristol West offers more discounts than Nevada Capital Insurance Company
  • Nevada Capital tends to be a much less expensive option for people who are single and purchasing car insurance by yourself

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

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering pretty big discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Bristol West or Nevada Capital as your top options, but which carrier will offer you more affordable prices?

Bristol West Nevada Capital

Looking at the national average rates for both companies, Bristol West has average rates that are about 70% per month more expensive than those from Nevada Capital.

That being said, Nevada Capital may not be the cheapest or best option for every single driver out there. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things). So, at the end of the day, rates from every company will differ quite a bit from person to person.

Wanting to know if Bristol West or Nevada Capital is really the right carrier 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 Nevada Capital: Average Car Insurance Rates by State

State Bristol West Nevada Capital

Bristol West and Nevada Capital only compete against each other in Nevada, where Nevada Capital offers the cheaper average premiums. For Nevada residents, Nevada Capital offers insurance for $125 monthly on average. Bristol West's average prices come out to be over 70% more expensive, at $567 per month.

There's a lot more that goes into your car insurance cost than just where you call home. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Bristol West Nevada Capital
18-year-old drivers$785$274
25-year-old drivers$357$125

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

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Nevada Capital save more than $500 a month compared to those who use Bristol West.

But with both companies, you'll see your premiums reduce significantly by the time drivers turn 25. For example, average prices for Bristol West policyholders lower nearly 55% and Nevada Capital's rates decrease almost 55% over that time.

Which is the Best Company for Retired Drivers?

Bristol West Nevada Capital
65+-year-old drivers$364$85

Drivers around retirement age generally enjoy some of the lowest car insurance premiums out there. After all, they've likely been driving for quite some time, which usually lowers their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between Bristol West and Nevada Capital? Nevada Capital 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 Nevada Capital

Did you know that auto insurance premiums are normally more expensive for single drivers than they are for married policyholders? That's typically because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Nevada Capital is the clear winner for single policyholders, with prices around $322 per month cheaper than Bristol West, on average. The advantage is also clear for married drivers - Nevada Capital offers the most affordable average rates.

Bristol West vs. Nevada Capital: Average Rates by Gender

Bristol West Nevada Capital

Because men are more likely to get into accidents and get tickets, they run a larger risk of filing a claim with insurance. Therefore, insurance carriers will often charge men more than women.

Surprisingly, women usually pay about 0% more a month than men with Bristol West, while with Nevada Capital, the difference is closer to 2% per month.

When it comes to the lowest prices for each gender, Nevada Capital comes out as the cheapest option for both genders, with average premiums 69% less for men and 70% cheaper for women.

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

Bristol West Nevada Capital
State Minimum*$279$75
Full Coverage**$544$174

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

Even so, most policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury 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, alongside liability).

If you're looking for state minimum liability insurance, Nevada Capital normally offers significantly less expensive rates of $75 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, Nevada Capital again has the edge, with policies around $350 a month cheaper than Bristol West, on average.

Is Bristol West or Nevada Capital 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 collisions and tickets 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 Nevada Capital
Clean Record$339$89
1 Speeding Ticket$439$116

Bristol West policyholders can expect their rates to go up an average of $100 per month if they get a ticket, while Nevada Capital generally raises prices about $27 a month, on average.

However, Nevada Capital tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $250 and $323 more affordable, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West Nevada Capital
Clean Record$339$89
1 At-Fault Accident$479$126

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

Overall, Nevada Capital offers the most affordable rates for drivers with an at-fault accident on their records, with monthly prices averaging $126 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Nevada Capital
Clean Record$339$89
1 DUI$390$168

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. On average, Nevada Capital will increase your rates about 47% after a DUI, while Bristol West's average premiums increase by just under 15%.

If you have a DUI on your record and are looking for more affordable rates, Nevada Capital tends to be the much cheaper option with average premiums of $168 a month compared to $390 from Bristol West.

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How does Credit Score Impact Bristol West and Nevada Capital Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it does affect many policyholders out there.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable prices.

Looking at Bristol West and Nevada Capital specifically, which company has the cheapest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Bristol West Nevada Capital
Excellent Credit Score$342$100
Good Credit Score$380$114

If you have solid credit, you'll usually find a better deal with Nevada Capital. Drivers with "excellent" credit can save over 70% compared to Bristol West, and those with "good" scores can also expect to see savings -- around $266 or 70% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

Bristol West Nevada Capital
Fair Credit Score$413$128
Poor Credit Score$556$156

Nevada Capital typically offers lower rates than Bristol West when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $285 per month less with Nevada Capital compared to Bristol West, and those with "poor" scores usually save an average of around $400 monthly.

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

Bristol West Nevada Capital
6,000 Annual Miles$410$117
12,000 Annual Miles$413$132

How much you drive can have a large impact on your monthly prices. That's because the more miles you put on your car, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Nevada Capital offers more affordable rates than Bristol West. Nevada Capital average prices for drivers with 6,000 annual miles come in just under $300 cheaper than Bristol West. Those who drive 12,000 miles annually can expect to pay nearly $300 less with Nevada Capital over Bristol West.

Bristol West vs. Nevada Capital: 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 insurance, but the type of area you live in can have a substantial impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Bristol West Nevada Capital
Urban Areas$539$171
Suburban Areas$386$114
Rural Areas$309$89

Nevada Capital tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Nevada Capital offers rates about $171 per month compared to Bristol West's $539. People who live in suburban ZIP codes can expect to pay around $114 a month for Nevada Capital and $386 for Bristol West. Lastly, those in rural areas tend to get the cheapest premiums from both carriers, with average monthly prices coming in at $89 and $309 for Nevada Capital and Bristol West respectively.

Bristol West vs. Nevada Capital Discounts

Regardless of 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 possible. That's where car insurance discounts comes into play.

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

In the table below, we've taken a look at all of the different discounts Bristol West and Nevada Capital offer their customers so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Bristol West Nevada Capital
ABS Discount
Advance Quote Discount
Anti-Theft Discount
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount 
EFT Discount 
Employee Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount 
Homeowner Discount 
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount
Multi-Policy Discount
New Vehicle Discount 
Paid In Full Discount
Paperless Discount 
Passive Restraint Discount

Overall, Bristol West has advantage when it comes to total number of discounts. Nevada Capital offers a grand total of 15 discounts, while Bristol West has 18.

There are a couple discounts both companies offer, but Bristol West also offers continuous insurance discounts, distant student discounts, EFT discounts, and more that Nevada Capital does not.

On the flip side, Nevada Capital has a couple unique discounts of its own -- employee discounts, good payer discounts, discounts for being a good student, and more.

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Final Thoughts: Is Bristol West or Nevada Capital Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, is Bristol West or Nevada Capital the best one for you and your specific needs?

Nevada Capital might be best for you if....

  • You're single and purchasing insurance by yourself.
  • You have above-average credit.
  • You've started working from home and don't have much of a commute.

Bristol West might be best for you if...

  • You're looking for the company with the most discounts.

We hope this guide has ben a valuable resource as you compare Bristol West and Nevada Capital and that it aids in making a more informed decision about your auto 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 multiple companies, not just Bristol West and Nevada Capital. Luckily, does all the hard work for you. Simply enter your ZIP codes 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. Nevada Capital FAQs

Is Bristol West or Nevada Capital cheaper?

Looking just at the national average rates, Nevada Capital is the less expensive of the two companies, offering average rates of $125 per month compared to $412 for Bristol West. That being said, Nevada Capital won't necessarily be the lowest carrier for everyone, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Bristol West or Nevada Capital?

Unfortunately, the answer truly is "it depends.". No one company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Bristol West and Nevada Capital offer me different rates?

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

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

The only way to find the auto 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 area information and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Bristol West or Nevada Capital 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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