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

Looking for car insurance and wondering if Bristol West or Pure is the right carrier for you? If so, you're probably wondering which company has the most affordable premiums or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next insurance policy.
Newly insured car driving down the road
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Quick Facts

  • In general, Pure offers more affordable prices than Bristol West
  • Bristol West tends to be a much cheaper option for drivers with a DUI
  • Pure offers less expensive average rates for policyholders whose driving record contains an at-fault collision

Bristol West or Pure: 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 big savings. But exactly how much can you save by switching?

You might be considering Bristol West or Pure as potential options, but which carrier has more affordable premiums for auto insurance?

Bristol West Pure

Looking at nationwide averages, Pure is around $81 a month cheaper than Bristol West.

However, that doesn't necessarily mean Pure will be the less expensive option for every driver. Insurance carriers use tons of complex algorithms to determine rates, so depending on how old you are or where you live (among a lot of other factors), you could see wildly different prices from the ones above.

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

Bristol West vs. Pure: Average Car Insurance Rates by State

State Bristol West Pure

Bristol West and Pure only compete against each other in California, where Bristol West offers the cheaper average rates. Bristol West drivers tend to pay about $142 per month less on average compared to drivers who use Pure for their car insurance.

But there's more to calculating auto insurance prices than just where you live. Continue reading to learn more about how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Bristol West Pure
18-year-old drivers$785$722
25-year-old drivers$357$319

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. That'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.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 10% less a month by choosing Pure over Bristol West.

That being said, with both companies, you'll see your rates lower significantly by the time you turn 25. For example, average prices for Bristol West policyholders reduce nearly 55% and Pure's rates drop over 55% over that time.

Which is the Best Company for Retired Drivers?

Bristol West Pure
65+-year-old drivers$364$234

Drivers around retirement age generally enjoy some of the lowest car insurance prices you can find. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise premiums.

But who has the best prices for retired drivers between Bristol West and Pure? Pure gets the edge, with rates for drivers 65 and older $130 more affordable than the national average for Bristol West.

Which is the Best Company for Married Drivers?

Bristol West Pure

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

For those who are single, the difference in average prices between these two carriers is significant, with Pure rates coming in at about 15% less than Bristol West's. The advantage for married policyholders with Pure is also obvious, where drivers save more than 25% per month.

Bristol West or Pure: Average Rates by Gender

Bristol West Pure

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to car insurance men will normally end up paying a little more.

Surprisingly, with Bristol West, men generallypay around 0% less a month than women; everyone gets the same monthly premiums regardless of gender with Pure.

Looking at the data for each company specifically, Pure comes out on top for both men and women. On average, male drivers save about $80 per month and women save about $81 with Pure compared to the average Bristol West policyholder.

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Bristol West vs. Pure: Compare State Minimum vs. Full Coverage Rates

Bristol West Pure
State Minimum*$279$134
Full Coverage**$544$528

*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 a complicated subject for most people. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Pure has the significant edge, with average monthly rates coming in at $134. If you want a full coverage policy with the same state minimum limits, Pure again has the edge, with policies averaging around $528 a month to Bristol West's $544.

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

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

At-fault collisions and speeding tickets will most likely raise your prices, but is Bristol West or Pure cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West Pure
Clean Record$339$202
1 Speeding Ticket$439$282

Policyholders who use Bristol West for their insurance can usually expect their monthly bill to go up about 23% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of around 28%.

But Pure has less expensive premiums for drivers in both categories. With PURE Insurance, drivers with a clean record can save about $137 per month and drivers with a ticket can save around $157 a month.

Which Company is Best for Drivers After an Accident?

Bristol West Pure
Clean Record$339$202
1 At-Fault Accident$479$352

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

At the end of the day, Pure offers the cheapest prices for drivers with an at-fault accident on their records, with average premiums coming in at $352 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West Pure
Clean Record$339$202
1 DUI$390$489

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- normally a lot more than a collision or speeding ticket. On average, Pure will climb your prices around 59% after a DUI, while Bristol West's average premiums increase by nearly 15%.

But if you end up with a DUI charge and are looking for more affordable rates, Bristol West tends to be cheaper for the average driver, with monthly premiums coming in at about $390 to Pure's $489.

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How does Credit Score Impact Bristol West and Pure Rates?

You may not realized it, but your credit score can be used as one of the factors to calculate your monthly insurance prices. This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it might come into play for lots of policyholders.

Auto 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 less expensive premiums.

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

Which Company is Best for Drivers with Good Credit?

Bristol West Pure
Excellent Credit Score$342No Data Available
Good Credit Score$380No Data Available

You'll often be rewarded if you have stellar credit. Improving your "good" credit score to an "excellent" one will typically save Bristol West customers around 10%. On the other hand, Pure doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Bristol West Pure
Fair Credit Score$413No Data Available
Poor Credit Score$556No Data Available

Having bad credit usually means you'll also see higher rates with Bristol West. If your credit score is in the "poor" range, at Bristol West, you may pay about $150 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Pure doesn't have data available for credit scores, they could have better prices for drivers with bad credit over Bristol West.

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

Bristol West Pure
6,000 Annual Miles$410$275
12,000 Annual Miles$413$387

Did you know that the amount of time you spend in your car have a considerable impact on how much car insurance carriers will charge for coverage? That's because the fewer miles you put on your vehicle each year, the less likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Pure tends to be the more affordable option. Pure's average premiums for drivers with 6,000 annual miles come in just under 35% less expensive than Bristol West. Those who drive 12,000 miles every year can expect to pay 6% less with Pure over Bristol West.

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

Where you live can play a pretty big role in how much you pay for insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Bristol West Pure
Urban Areas$539$371
Suburban Areas$386$313
Rural Areas$309$308

When comparing these two companies side-by-side, Pure normally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around $1 with Pure compared to Bristol West. People who live in suburban areas pay about $73 less with Pure compared to Bristol West. For drivers in urban ZIP codes, PURE Insurance's average rates are around $168 less than Bristol West.

Bristol West vs. Pure Discounts

No matter 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 you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Bristol West and Pure so that you can see which one can save you the most money each month.

Bristol West Pure
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Defensive Driver Discount 
Distant Student Discount
EFT Discount 
Good Driving Discount
Good Student Discount 
Homeowner Discount 
Mature Driver Discount 
Minor Child Discount 
Mobile Home Policy Discount 
Multi-Car Discount
Multi-Policy Discount
Occasional Operator Discount 
Paid In Full Discount 
Paperless Discount 
Passive Restraint Discount
Pay Plan Discount 

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

Both carriers offer many of the same discounts -- like anti-theft discounts, discounts for being a good driver, and discounts for insuring multiple cars with the same company -- but Bristol West also offers discounts for advance quote, continuous insurance, defensive driver, and more.

On the other hand, Pure has a few proprietary discounts of their own for things like good student discounts, mature driver discounts, and occasional operator discounts.

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

So, we've broken down the average premiums for many of the variables car insurance companies look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which insurance company is the right company for you, your vehicle, and your wallet?

Pure might be best for you if....

  • You have a speeding ticket on your driving record.
  • You're looking for the best rates on liability only coverage.
  • You drive fewer than 6,000 miles annually.

Bristol West might be best for you if...

  • Your credit is less-than-stellar.
  • You already have a great credit score.
  • You're looking for the carrier with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare Bristol West and Pure. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the sure-fire 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 Pure. Luckily, makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

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Bristol West vs. Pure FAQs

Is Bristol West or Pure cheaper?

Pure is the cheaper of the two carriers when looking at national average prices, with policies averaging $331 a month with Pure and $412 for Bristol West. Even so, that doesn't mean Pure will be the most affordable company for everyone, since there are many different factors that come into play when it comes to your car insurance payment.

Who is better, Bristol West or Pure?

Sadly, the answer truly is "it depends.". Neither carrier is "better" for each policyholder -- it all depends on what your unique auto insurance profile looks like. For example, Bristol West is more affordable for drivers who have less-than-stellar credit scores, while Pure offers less expensive premiums for policyholders with an at-fault collision on their record.

Why do Bristol West and Pure offer me different rates?

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

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

The only way to find the 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, sites like make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Bristol West or Pure at all, but another you hadn't even thought of!


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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