Cheapest car insurance companies in Bristol
After an in-depth analysis, Insurance.com found that Geico and Kemper Insurance are the cheapest car insurance companies in Bristol for 2023.
Geico is the cheapest option for most Bristol drivers, with an average annual rate of $1,373 .
Car insurance costs may vary in Bristol based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Bristol.
| Companies | Average annual rates |
|---|---|
| USAA | $611 |
| Geico | $1,373 |
| Kemper Insurance | $1,483 |
| Progressive | $1,579 |
| State Farm | $1,681 |
| Nationwide | $1,718 |
| Farmers | $1,985 |
| Amica Mutual | $2,125 |
| Allstate | $2,158 |
Cheapest car insurance cost in Bristol by Age Group
USAA stands out as Bristol's cheapest auto insurance company for teen drivers at an average annual of $2,425. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
For young drivers in Bristol, USAA has the cheapest auto insurance rates, with an average annual cost of $1,022 annually.
For Bristol drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $627 annually.
Bristol senior drivers seeking affordable car insurance should look no further than USAA. It offers the cheapest car insurance rates for seniors, with an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $705. It makes USAA a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $2,425 | $1,022 | $627 | $705 |
| State Farm | $5,099 | $2,863 | $1,696 | $1,665 |
| Geico | $5,580 | $2,505 | $1,338 | $1,652 |
| Kemper Insurance | $6,641 | $2,865 | $1,489 | $1,584 |
| Amica Mutual | $6,754 | $3,818 | $2,104 | $2,216 |
| Nationwide | $6,785 | $2,981 | $1,685 | $1,765 |
| Progressive | $7,331 | $2,500 | $1,564 | $1,667 |
| Allstate | $8,703 | $3,482 | $2,243 | $2,278 |
| Farmers | $10,571 | $4,102 | $2,037 | $1,944 |
| The Hanover | $11,429 | N/A | N/A | N/A |
Cheapest car insurance companies in Bristol by driver profile
When determining car insurance rates in Bristol, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Finding the cheapest car insurance in Bristol requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
Here are some of the cheapest car insurance companies in Bristol based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
Geico has the cheapest rates for Bristol drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,368, Geico offers substantial savings among the insurers analyzed.
Drivers with poor or bad credit scores in Bristol can consider the following car insurance companies to get the affordable car insurance coverage.
| Company | Average annual rates |
|---|---|
| Geico | $1,368 |
| USAA | $1,868 |
| Progressive | $1,946 |
| Nationwide | $2,248 |
| State Farm | $2,661 |
| Allstate | $3,187 |
Cheapest for drivers with a speeding ticket: Geico
Geico offers the cheapest auto insurance rates for drivers with a speeding ticket in Bristol. It offers full coverage car insurance for drivers aged 30 at about $1,146 per year.
Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.
| Company | Average annual premium |
|---|---|
| Geico | $1,146 |
| USAA | $1,339 |
| State Farm | $1,425 |
| Progressive | $1,788 |
| Allstate | $1,981 |
| Nationwide | $2,015 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Bristol with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,425 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $1,425 |
| Geico | $1,708 |
| USAA | $1,872 |
| Progressive | $2,522 |
| Nationwide | $2,802 |
| Allstate | $3,455 |
Cheapest auto insurance after a DUI: State Farm
In Bristol, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,425 a year.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,425 |
| Progressive | $2,092 |
| USAA | $2,435 |
| Allstate | $3,472 |
| Nationwide | $3,815 |
| Geico | $5,204 |
Average car insurance cost in Bristol
Full coverage car insurance in Bristol for a coverage limit of 100/300/100 is $1,635 per year or $136 per month, while the state minimum coverage costs an average of $700 a year.
Choosing full coverage insurance may mean a higher policy cost compared to the state minimum, but it offers better protection. It provides liability coverage as well as
| Average annual Rates | $1,635 |
| State minimum average | $700 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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