Bristol West Insurance Group offers a wide range of coverage options to meet your needs. Your independent insurance sales center representative can assist you in choosing the right coverages for your individual situation.


A policy with state mandatory coverages only includes Bodily Injury, Property Damage, Property Protection, and Personal Injury Protection coverages. A policy with state mandatory coverages and physical damage includes these coverages along with Collision and Comprehensive.

Collision and Comprehensive coverages are required if your vehicle is financed or leased and are subject to a deductible. We can provide coverage up to a maximum vehicle value of $125,000. We offer several deductible options.

Bodily Injury liability coverage protects you if you are involved in an accident in Michigan and you cause serious bodily injury to others. If you injure someone while driving in another state, you are under the law of that state and can be sued in the courts of that state and made to pay damages. We can provide you with the state minimum limits of $20,000 per person and $40,000 per accident. In addition, we offer Bodily Injury liability limits up to $250,000 per person and $500,000 per accident.

Property Damage liability coverage protects you if you are involved in an accident outside of Michigan and you cause damage to another person's property. We can provide you with the state minimum limits of $10,000. We offer Property Damage liability limits up to $100,000.

Personal Injury Protection coverage provides coverage for your own injuries without regard to fault. This coverage includes all of your medical costs incurred in an automobile accident as well as a limited amount of lost wages resulting from the accident.

Property Protection coverage provides coverage of up to $1 million for damage your car does in Michigan to other people’s property such as building, fences, and other people’s properly parked vehicles.

Collision coverage pays for damages to your vehicle when damaged by collision with another vehicle or object regardless of fault.

Comprehensive coverage pays for damages to your vehicle when damaged as a result of causes other than collision such as vandalism, theft, wind, hail, and water.


  • Limited Property Damage Coverage
  • Uninsured and Underinsured Motorist Coverage
  • Towing and Labor Coverage
  • Extended Transportation Coverage
  • Customizing Equipment Coverage

Refer to the policy itself for legal descriptions of the coverages offered by the company. State regulations and the policy provisions determine actual coverage levels and limitations. All applications are subject to underwriting rules and restrictions.


Driver Characteristics

  • Proof of Prior Insurance
  • Prior Coverage Limits
  • Homeownership
  • Financial Responsibility
  • Insuring 2 or more Autos
  • Electronic Funds Transfer (EFT)
  • Years clean discount
  • E-mail discount
  • Advanced purchase
  • Prior carrier
  • Multipolicy

Discounts available subject to underwriting rules and conditions. Not all premium discounts will be available in all programs. Amount of discount will vary. Proof of eligibility may be required.


Bristol West offers a variety of policy terms to suit your needs. You may choose to either pay the premium in full or select one of our low down payment plans with affordable monthly installments.

Back to States

This is provided as a summary only and does not alter or change any terms or conditions of the insurance application, declarations, insurance policy and any endorsements thereto.

Bristol West Insurance is underwritten by:

Bristol West Insurance Company
Bristol West Casualty Insurance Company
Bristol West Preferred Insurance Company
Coast National Insurance Company (For Policies underwritten in California)
Security National Insurance Company
(Companies vary by state)

Member of the National Insurance Crime Bureau (NICB).

©2007 Bristol West Holdings, Inc


Part of the Farmers Insurance Group ®