Bristol West vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Workmen's Auto offers significantly more affordable rates than Bristol West
• Bristol West may help you save more money -- they offer more discounts than Workmen's Auto Insurance
• Workmen's Auto tends to be a much less expensive option for policyholders who have a short commute

Bristol West or Workmen's Auto: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Bristol West or Workmen's Auto as potential options, but between the two, which company has cheaper premiums for insurance?

Looking at the national average rates for both carriers, Workmen's Auto is quite a bit cheaper than Bristol West, with rates averaging $151 a month compared to $412 with Bristol West.

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

So, if you want to find out which of Bristol West or Workmen's Auto is really the best for you, keep reading to see average premiums for each company broken down by multiple different rate factors.

Bristol West vs. Workmen's Auto: Average Car Insurance Rates by State

Bristol West and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average rates. Workmen's Auto drivers tend to pay about $38 per month less on average compared to drivers who use Bristol West for their car insurance.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your premiums. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. It's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Workmen's Auto save over 60% a month compared to those who use Bristol West.

But both companies will drop premiums by the time drivers turn 25. For example, average prices for Bristol West policyholders decrease around $450 and Workmen's Auto's rates lower almost $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest auto insurance prices you can find. 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 Workmen's Auto? Workmen's Auto gets the edge here, with average prices coming in at about $124 monthly compared to Bristol West's $364.

Which is the Best Company for Married Drivers?

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

For those who are single, the difference in average rates between these two companies is significant, with Workmen's Auto prices coming in at around a third of Bristol West's. For married couples, the advantage is clear again - Workmen's Auto has the edge when it comes to average rates.

Bristol West or Workmen's Auto: Average Rates by Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. So, women usually pay less for auto insurance than men.

Surprisingly, with Bristol West, men typicallypay about 0% less per month than women; everyone gets the same monthly premiums regardless of gender with Workmen's Auto.

Looking at overall affordability, Workmen's Auto comes out as the most affordable option for both genders. On average, male drivers save about $260 a month and women save around $261 with Workmen's Auto compared to the average Bristol West policyholder.

Bristol West vs. Workmen's Auto: Compare State Minimum vs. Full Coverage Rates

*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 coverages and limits 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 provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability limits, Workmen's Auto has the significant edge, with average monthly rates coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging about $235 per month to Bristol West's $544.

Is Bristol West or Workmen's Auto Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and collisions on your record, but which of these two carriers offers the cheapest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

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

However, Workmen's Auto has more affordable prices for drivers in both categories, offering rates that are 67% and 67% cheaper, respectively, compared to Bristol West.

Which Company is Best for Drivers After an Accident?

Bristol West drivers who get in an accident can expect to see their prices climb by just under $150, while those who have insurance through Workmen's Auto will see around a $45 increase.

At the end of the day, Workmen's Auto offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $156 compared to Bristol West's $479.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Workmen's Auto will climb your prices about 42% after a DUI, while Bristol West's average premiums rise by nearly 15%.

But if you end up with a DUI charge and are looking for more affordable prices, Workmen's Auto tends to be less expensive for the average driver, with monthly premiums coming in at around $191 to Bristol West's $390.

How does Credit Score Impact Bristol West and Workmen's Auto Rates?

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

Car insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking at Bristol West and Workmen's Auto specifically, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have stellar credit. Jumping from a "good" credit score to an "excellent" one will typically save Bristol West customers about 10%. On the other hand, Workmen's Auto doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with Bristol West. For drivers with less-than-stellar credit, at Bristol West, you may pay around $150 a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, Workmen's Auto doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Workmen's Auto over Bristol West.

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

Did you know that the amount of time you spend in your car have a sizable impact on your monthly rates? Generally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Workmen's Auto offers cheaper rates than Bristol West. Bristol West's average prices for drivers with 6,000 annual miles come in just under 70% more expensive than Workmen's Auto. Those who drive 12,000 miles every year can expect to pay nearly 60% more with Bristol West over Workmen's Auto.

Bristol West or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

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

When comparing these two carriers side-by-side, Workmen's Auto typically comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Workmen's Auto Insurance's average premiums are about $390 less than Bristol West. People who live in suburban areas pay around $232 less with Workmen's Auto compared to Bristol West. Those in rural areas can expect to save about $160 with Workmen's Auto compared to Bristol West.

Bristol West vs. Workmen's Auto Discounts

No matter 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 you can. 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're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Bristol West and Workmen's Auto offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Bristol West blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 18 different discounts to Workmen's Auto's four.

A couple of those are overlapping for things like discounts for being a good driver. Bristol West also offers discounts for ABS, advance quote, anti-theft, and more.

On the other hand, Workmen's Auto has a few proprietary discounts of their own for things like driver-vehicle combination discounts, mature driver discounts, and renewal discounts.

Final Thoughts: Is Bristol West or Workmen's Auto Best for You?

So, you've seen how different factors can affect your insurance prices. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best carrier for you and your specific driver profile?

Workmen's Auto might be best for you if....

• You will be the only person on the auto insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing car insurance for a teenager.

Bristol West might be best for you if...

• You have below-average credit.
• 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 Workmen's Auto. 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 sure-fire 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 Workmen's Auto. Luckily, sites like Compare.com do all the hard work for you. Just 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.

Bristol West vs. Workmen's Auto FAQs

Is Bristol West or Workmen's Auto cheaper?

Workmen's Auto is the less expensive of the two companies when looking at national average premiums, with policies averaging $151 per month with Workmen's Auto and $412 for Bristol West. That being said, that doesn't mean Workmen's Auto will be the lowest company for each policyholder, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Bristol West or Workmen's Auto?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, Bristol West is cheaper for drivers who have less-than-stellar credit scores, while Workmen's Auto offers more affordable prices for policyholders with an at-fault accident on their record.

Why do Bristol West and Workmen's Auto offer me different rates?

Car insurance carriers use quite a few different factors when calculating the rates they charge. Things such as gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be used. Both Bristol West and Workmen's Auto use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Bristol West or Workmen's Auto is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the lowest rate. And maybe you'll find that the best company for you isn't Bristol West or Workmen's Auto at all, but another you hadn't even thought of!

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.