Bristol West vs. State Auto: 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 State Auto and Bristol West compare when it comes to the cheapest prices 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

  • In general, State Auto offers significantly less expensive rates than Bristol West
  • State Auto offers more affordable average premiums for drivers with a DUI charge on their record
  • State Auto has less expensive rates for residents of urban areas


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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Bristol West or State Auto, but which one will offer you more affordable prices?

Bristol West State Auto
$412$259

As you can see, Bristol West is quite a bit more expensive than State Auto, with premiums averaging $412 per month compared to just $259 with State Auto when looking at the national average rates for insurance.

Even so, that doesn't mean State Auto will necessarily be cheaper than Bristol West for every driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (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 State Auto 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 State Auto: Average Car Insurance Rates by State

State Bristol West State Auto
SC$255$158

Bristol West and State Auto only compete against each other in one states, with State Auto offering less expensive premiums to the average driver in all of them. South Carolina has the most noticable difference, where State Auto rates are over 60% cheaper than car insurance prices at Bristol West.

But there's more to insurance than just where you live. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your premiums. Continue reading to learn more about how other factors will affect your rates.


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Which is the Best Company For Young Drivers?

Bristol West State Auto
18-year-old drivers$785$733
25-year-old drivers$357$197

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. Usually, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use State Auto save more than $50 a month compared to those who use Bristol West.

However, both companies will lower prices once you turn 25. For example, average premiums for Bristol West policyholders drop nearly $450 and State Auto's prices reduce over $500 over that time.

Which is the Best Company for Retired Drivers?

Bristol West State Auto
65+-year-old drivers$364$167

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

So, which company offers the best prices to retired drivers? State Auto gets the edge here, with average rates coming in at about $167 per month compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

Bristol West State Auto
Single$467$327
Married$338$169

You may not be aware, but car insurance premiums tend to be more expensive for single policyholders than they are for married drivers. This usually boils down to married policyholders having more than one car on their policy -- something lots of insurance carriers will reward with discounts.

When it comes to relationship status, State Auto is the clear winner for single drivers, with rates around $140 per month more affordable than Bristol West, on average. For married couples, the advantage is clear again - State Auto has the edge when it comes to average prices.

Bristol West vs. State Auto: Average Rates by Gender

Bristol West State Auto
Male$411$271
Female$412$247

You may not know, but auto insurance is normally cheaper for women than it is for men. This is because women are less likely to get tickets and get into accidents, which lowers the chances of an insurance claim.

Surprisingly, men generally pay about $1 a month less than women with Bristol West, while with State Auto, the difference is closer to $24 per month.

Looking at overall affordability, State Auto comes out on top for both men and women. On average, women save about $165 a month and men save around $140 with State Auto compared to the average Bristol West policyholder.


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

Bristol West State Auto
State Minimum*$279$149
Full Coverage**$544$369

*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.

Insurance can be a complicated subject for most people. There are multiple different coverages that account for a variety 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.

But most 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 includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum liability limits, State Auto typically offers significantly cheaper premiums of $149 compared to Bristol West's $279. When it comes to full coverage policies with similar limits, State Auto again has the edge, with policies about $200 per month less expensive than Bristol West, on average.

Is Bristol West or State Auto 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 at-fault accidents and tickets on your record, but which of these two companies offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Bristol West State Auto
Clean Record$339$170
1 Speeding Ticket$439$218

Bristol West policyholders can expect their premiums to go up an average of $100 a month if they get a ticket, while State Auto normally raises prices around $48 per month, on average.

That being said, State Auto is usually the more affordable option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save about $169 a month and drivers with a ticket can save around $221 per month with State Auto Insurance.

Which Company is Best for Drivers After an Accident?

Bristol West State Auto
Clean Record$339$170
1 At-Fault Accident$479$269

Bristol West drivers who get in an accident can expect to see their rates increase by just under $150, while those who have insurance through State Auto will see about a $100 increase.

Overall, State Auto offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $269 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

Bristol West State Auto
Clean Record$339$170
1 DUI$390$380

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than a collision or speeding ticket. State Auto drivers usually see a 55% increase in their insurance prices after a DUI charge, while Bristol West will typically climb rates by around 13%.

If you have a DUI on your record and are looking for more affordable premiums, State Auto tends to be the much cheaper option with average rates of $380 monthly compared to $390 from Bristol West.


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How does Credit Score Impact Bristol West and State Auto Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it might come into play for several policyholders.

The reasoning auto 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 premiums, while those with poor credit will generally be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

Bristol West State Auto
Excellent Credit Score$342$194
Good Credit Score$380$228

If you have a solid credit score, you'll usually find a better deal with State Auto. Drivers with "excellent" credit can save just under 45% compared to Bristol West, and those with "good" scores can also expect to see savings -- about $152 or 40% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Bristol West State Auto
Fair Credit Score$413$262
Poor Credit Score$556$353

State Auto typically offers lower prices than Bristol West when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $151 a month less with State Auto compared to Bristol West, and those with "poor" scores usually save an average of about $203 a month.


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

Bristol West State Auto
6,000 Annual Miles$410$259
12,000 Annual Miles$413$259

How much you drive can have a considerable impact on your monthly car insurance cost. Generally, those who drive fewer miles 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 State Auto charges. However, there's a small difference in monthly rates for Bristol West, with policyholders who drive the least paying around $3 less every month compared to those who drive 12,000 miles annually. Still, State Auto is the cheaper option for drivers in both categories.

Bristol West vs. State Auto: 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 sizable impact as well. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer vehicles on the roads in those areas.

Bristol West State Auto
Urban Areas$539$317
Suburban Areas$386$236
Rural Areas$309$225

When comparing these two carriers side-by-side, State Auto typically comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, State Auto offers prices about $317 per month compared to Bristol West's $539. People who live in suburban ZIP codes can expect to pay around $236 per month for State Auto and $386 for Bristol West. Lastly, those in rural areas tend to get the most affordable premiums from both companies, with average monthly rates coming in at $225 and $309 for State Auto and Bristol West respectively.

Bristol West vs. State Auto 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, and the best way to do that is by utilizing as many car insurance discounts as you can.

The challenging part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by Bristol West and State Auto 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 State Auto
ABS Discount
Advance Quote Discount
Advantage Program Discount 
Anti-Theft Discount
Continuous Insurance Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
EFT Discount 
Employee Discount 
Gold Plus 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

They both offer great discounts like advance quote discounts, discounts for being a defensive driver, distant student discounts, and multi-policy discounts.


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Final Thoughts: Is Bristol West or State Auto Best for You?

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which insurance carrier is the best carrier for you, your vehicle, and your wallet?

State Auto might be best for you if....

  • You're single and purchasing insurance by yourself.
  • Your home is located in the suburbs.
  • You drive fewer than 6,000 miles yearly.


Bristol West might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Bristol West and State Auto. We also hope we've given you the information you need to make the best 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 insurance policy is to compare quotes from a handful of companies, not just Bristol West and State Auto. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.


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Bristol West vs. State Auto FAQs

Is Bristol West or State Auto cheaper?

Looking just at the national average prices, State Auto is the less expensive of the two companies, offering average rates of $259 a month compared to $412 for Bristol West. But State Auto won't necessarily be the cheapest company for everyone, since there are lots of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Bristol West or State Auto?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Bristol West and State Auto offer me different rates?

Car insurance carriers take a look at many different variables when determining the premiums they charge drivers. Things like your driving record, where you live, gender, age, and sometimes even things like your credit score can all come into play. Both Bristol West and State Auto calculate prices 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 many different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. 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 rate. And who knows, the best company for you might not be Bristol West or State Auto at all!


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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