Auto Insurance Comparison
National General vs Bristol West
Side-by-side comparison of National General vs Bristol West auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
National General edges ahead Bristol West in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| National General | Bristol West | |
|---|---|---|
| Overall score | 3.55 /5 ★★★★★ Highest overall | 3.35 /5 ★★★★★ |
| Best for | National General is Allstate's non-standard and specialty subsidiary, acquired in 2021 | Bristol West is Farmers' non-standard arm, writing policies for drivers Farmers' main underwriting wouldn't accept — tickets, lapses, SR-22 needs |
| Read full review | National General review → | Bristol West review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | National General | Bristol West |
|---|---|---|
| Customer experience | 3.40 | 3.10 |
| Coverage breadth | 3.70 | 3.30 |
| Affordability | 3.60 | 3.60 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
National General
Full review →Pros
- Available in all 50 states for non-standard auto
- Strong specialty lines including RV and motorcycle insurance
- Backed by Allstate financial strength
- Accepts SR-22 and high-risk profiles
Cons
- Customer satisfaction trends below industry averages
- Not competitive for standard-risk drivers
- Coverage menu varies meaningfully by state and risk profile
Bristol West
Full review →Pros
- Backed by Farmers — strong financial backing for a non-standard carrier
- Accepts SR-22 filings and high-risk profiles
- Available in 41 states
- Quick online quotes
Cons
- Customer satisfaction and claims experience trend below industry averages
- Not a fit for standard-risk drivers — rates are non-competitive there
- Limited coverage flexibility compared to mainstream Farmers policies
Coverage at a glance
What each carrier offers in standard policies.
National General
Bristol West
The bottom line
National General
National General fits the non-standard niche or specialty needs (RV, motorcycle). Standard-risk auto shoppers will find better rates and service at mainstream carriers.
Read the full National General reviewBristol West
Bristol West makes sense for non-standard risk where Farmers' main book won't write you. Standard-risk drivers should shop mainstream first.
Read the full Bristol West reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.