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

You've probably seen ads offering big savings on insurance, but are Bristol West or Nevada General right for you? Which company offers the cheapest rates, or the most discounts? Read on to see how Bristol West and Nevada General 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 General offers significantly cheaper premiums than Bristol West
  • Bristol West offers more discounts than Nevada General Insurance Company
  • Nevada General offers more affordable prices for drivers who have an at-fault accident on their record

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You might be considering Bristol West or Nevada General as potential options, but which company will offer you more affordable rates?

Bristol West Nevada General

As you can see, Bristol West is quite a bit more expensive than Nevada General, with prices averaging $412 per month compared to just $249 with Nevada General when looking at the national average rates for car insurance.

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

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

State Bristol West Nevada General

Bristol West and Nevada General only compete against each other in Nevada, where Nevada General offers the cheaper average premiums. For Nevada residents, Nevada General offers insurance for $249 monthly on average. Bristol West's average rates come out to be over 70% more expensive, at $567 a month.

There are plenty of other factors that go into your car insurance payment than just your home state. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

Bristol West Nevada General
18-year-old drivers$785$599
25-year-old drivers$357$209

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. 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 premiums, teen drivers can still find ways to save money. As you can see above, teens who use Nevada General save nearly $200 a month compared to those who use Bristol West.

That being said, both carriers will decrease rates once you turn 25. For example, average premiums for Bristol West policyholders drop almost $450 and Nevada General's prices reduce about $400 over that time.

Which is the Best Company for Retired Drivers?

Bristol West Nevada General
65+-year-old drivers$364$188

Once you approach retirement age, you'll typically enjoy the most affordable car insurance rates 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 insurance.

But who has the best rates for retired drivers between Bristol West and Nevada General? Nevada General gets the edge here, with average prices coming in at around $188 per month compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

Bristol West Nevada General

Single drivers tend to get offered slightly more expensive car insurance rates than married policyholders. This usually boils down to married couples having more than one car on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, Nevada General is the clear winner for those who are single, with prices about $171 per month cheaper than Bristol West, on average. The advantage for married drivers with Nevada General is also obvious, where drivers save nearly 45% a month.

Bristol West vs. Nevada General: Average Rates by Gender

Bristol West Nevada General

Because men are more likely to get into collisions 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, men normally pay around $1 per month less than women with Bristol West, and about $5 more with Nevada General.

When it comes to the lowest premiums for each gender, Nevada General comes out on top for both men and women, with average rates $160 less for men and $166 cheaper for women.

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

Bristol West Nevada General
State Minimum*$279$150
Full Coverage**$544$348

*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 isn't the easiest topic to understand. There are several different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

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 a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum liability limits, Nevada General generally offers significantly more affordable prices of $150 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, Nevada General again has the edge, with policies around $200 a month cheaper than Bristol West, on average.

Is Bristol West or Nevada General 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.

At-fault accidents and tickets will most likely raise your premiums, but is Bristol West or Nevada General more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Nevada General
Clean Record$339$209
1 Speeding Ticket$439$231

Bristol West policyholders can expect their rates to go up an average of $100 per month if they get a ticket, while Nevada General typically raises prices about $22 a month, on average.

But Nevada General is normally the less expensive option for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $130 and $208 cheaper, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West Nevada General
Clean Record$339$209
1 At-Fault Accident$479$257

Bristol West drivers who get in an accident can expect to see their prices climb by just under 30%, while those who have insurance through Nevada General will see around a 20% increase.

Overall, Nevada General offers the cheapest rates for drivers with an at-fault collision on their records, with monthly premiums averaging $257 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Nevada General
Clean Record$339$209
1 DUI$390$298

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- generally a lot more than a collision or ticket. On average, Nevada General will climb your prices about 30% after a DUI, while Bristol West's average rates rise by just under 15%.

If you have a DUI on your record and are looking for more affordable premiums, Nevada General tends to be the much less expensive option with average rates of $298 monthly compared to $390 from Bristol West.

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

Did you know that many auto insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many policyholders.

The reasoning car insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will usually be forced to pay more.

So, which carrier offers the most affordable rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Bristol West Nevada General
Excellent Credit Score$342$249
Good Credit Score$380$249

If you have a solid credit score, you'll usually find a better deal with Nevada General. Drivers with "excellent" credit can save over 25% compared to Bristol West, and those with "good" scores can also expect to see savings -- around $131 or 34% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Bristol West Nevada General
Fair Credit Score$413$249
Poor Credit Score$556$249

Nevada General typically offers lower prices than Bristol West when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $164 per month less with Nevada General compared to Bristol West, and those with "poor" scores typically save an average of around $307 a month.

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

Bristol West Nevada General
6,000 Annual Miles$410$249
12,000 Annual Miles$413$249

How much you drive can have a substantial impact on your monthly insurance cost. Generally, those who drive less will end up with less expensive 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 Nevada General charges. However, there's a small difference in monthly prices for Bristol West, with policyholders who drive the least paying about $3 less each month compared to those who drive 12,000 miles annually. Still, Nevada General is the more affordable option for drivers in both categories.

Bristol West vs. Nevada General: Compare Rates for Urban, Suburban, and Rural Drivers

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

Bristol West Nevada General
Urban Areas$539$347
Suburban Areas$386$191
Rural Areas$309$209

Nevada General boasts the most affordable average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Nevada General's average premiums are around $347 a month compared to Bristol West's $539. Drivers in suburban ZIP codes pay a monthly price of about $191 with Nevada General compared to $386 with Bristol West. If you live in a rural area, you can expect to pay around $209 per month with Nevada General compared to Bristol West's $309.

Bristol West vs. Nevada General Discounts

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

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

In the section below, we've compared all of the different discounts offered by Bristol West and Nevada General so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Bristol West Nevada General
ABS Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount 
Continuous Insurance Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
EFT Discount
Good Driving Discount 
Group Discount 
Homeowner Discount
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount 
Multi-Policy Discount 
Online Quote Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount

Bristol West blows Nevada General away when it comes to the sheer amount of discounts available, offering 18 different discounts to Nevada General's nine.

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

On the flip side, Nevada General has a couple unique discounts of its own -- agency transfer discounts, discounts for getting driver training, group discounts, and more.

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Final Thoughts: Is Bristol West or Nevada General 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. But, at the end of the day, which company is the best carrier for you and your specific driver profile?

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

  • You want to save money on your insurance after a collision.
  • Your home is located in the suburbs.
  • 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 carrier with the most discounts.

We hope this guide has ben a valuable resource as you compare Bristol West and Nevada General and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just Bristol West and Nevada General. Luckily, makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

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Bristol West vs. Nevada General FAQs

Is Bristol West or Nevada General cheaper?

Looking just at the national average premiums, Nevada General is the cheaper of the two carriers, offering average rates of $249 per month compared to $412 for Bristol West. Even so, Nevada General won't necessarily be the cheapest company for every policyholder, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Bristol West or Nevada General?

Sadly, the answer truly is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

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

Insurance companies take a look at several different variables when determining the prices they charge policyholders. Factors such as your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Bristol West and Nevada General calculate rates using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be Bristol West or Nevada General 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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