Security National Auto Insurance Company Review [2025]

Security National Auto Insurance is an underwriter for auto insurance provided through Bristol West Insurance. Bristol West provides personal auto insurance to customers in 43 U.S. states. However, Security National Insurance only underwrites policies in its home states of Florida and Texas.

Security National Auto Insurance and Bristol West Insurance are both members of Farmers Insurance Group, the seventh-largest auto insurer in the U.S. Bristol West's average rates for full-coverage and liability-only coverage in Florida and Texas, where Security National underwrites its policies, are significantly higher than the overall state average rates.

Bristol West also performs poorly on customer satisfaction, registering many consumer complaints in Florida specifically.

If you're a high-risk driver who lives in Florida or Texas, Security National Auto Insurance, provided via Bristol West Insurance, may be a good option for you to get auto insurance at an affordable rate. Otherwise, with the high percentage of complaints Bristol West receives, especially in Florida, it is probably not the best car insurance for non-high-risk drivers.

How we evaluate products

FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.

Security National Auto Insurance pros and cons

How much does Security National Auto Insurance cost?

There's no getting around it — policies from Bristol West in Florida and Texas (where Security National serves as an underwriter) are expensive. More expensive than the national average for most types of drivers.

Compare these numbers to the national averages in the table below to get an idea of just how much more expensive it is to get insurance underwritten by Security National from Bristol West if you live in Texas or Florida.

Is Security National Auto Insurance good?

Company ratings:

• AM Best: A- (Bristol West)
• J.D. Power claims satisfaction: Not rated
• BBB: A+ (Bristol West)
• NAIC complaints: 0.18 (Private Passenger)

Security National Auto Insurance Company offers auto insurance products in Florida and Texas through its parent company, Bristol West. As a result, your quote and policy information may list Bristol West as the provider instead of Security National. In fact, in Texas, Security National Insurance Company does business as Bristol West Specialty Insurance Company.

As an underwriter, Security National isn't generally included in customer satisfaction studies. Bristol West, however, has strong ratings from both the Better Business Bureau, which assesses general consumer satisfaction, and AM Best, which assesses financial strength.

Security National specifically is tracked by the National Association of Insurance Commissioners (NAIC) complaint index. The NAIC complaint index compares insurance providers based on how many complaints they receive relative to a given year's study average across the industry. The NAIC calculates this by dividing the company's share of complaints by the total countrywide, with the national index set at 1.00, which means that a company with an index of 2.00 would have twice the expected number of complaints.

With a score of 0.18, Security National's NAIC complaint index shows that the insurer receives significantly less complaints than expected based on marketwide data. Take that with a grain of salt, though, as Bristol West — the company with which you'd be dealing directly — has a complaint index of 2.15.

Discounts

Because Security National Auto Insurance and Bristol West Insurance are affiliated with Farmers Insurance, policyholders with these companies may benefit from the discounts on car insurance that Farmers offers.

Those discounts include:

Discount	Does Security National have it?	Progressive	GEICO
Loyalty	Yes	No	No
Multi-policy/bundling	Yes	Yes	Yes
Multiple vehicle	Yes	Yes	Yes
Airbag	No	No	Yes
Anti-lock brakes	No	No	Yes
Anti-theft	Yes	Yes (select states)	Yes
Safe driver	Yes	Yes	Yes
Good student	Yes	Yes	Yes
Away-from-home student	Yes	Yes	Yes
New car	No	No	Yes
Pay in full	Yes	Yes	Yes
Automatic payments	Yes	Yes	Yes
GAP insurance	No	No	No
Senior	Yes	No	No
Military	Yes	No	Yes
Defensive driving course	Yes	Yes (select states)	Yes

Coverage

Through Bristol West, Security National Auto Insurance Company offers standard auto coverages like liability, collision, and comprehensive coverage, plus some optional types of car insurance:

• Liability
• Collision
• Comprehensive
• Uninsured and underinsured
• Medical payments
• Rental reimbursement
• Towing and roadside assistance
• Rideshare coverage
• Trailer damage coverage
• Permissive user coverage

One thing that sets Bristol West apart is its openness to insuring high-risk drivers. The company touts its policies for drivers with poor credit, drivers without a history of being insured, and drivers with a DUI on their record. If you're a Texas or Florida resident facing any of these issues when shopping for insurance, it may be a good idea to give Bristol West a look.

Florida car insurance requirements

Almost every state requires drivers to be insured. Florida is no exception. If you're going to have an auto insurance policy underwritten by Security National in Florida, it will need to meet the following minimums:

• $10,000 in personal injury protection (medical payments) coverage
• $10,000 in property damage liability coverage

Texas car insurance requirements

Texas has higher minimums than Florida, so any policy underwritten by Security National will need to meet the following minimums and coverage requirements:

• $30,000 of bodily injury liability coverage for injuries per person, up to a total of $60,000 per accident
• $25,000 in property damage liability coverage

Security National Auto Insurance vs. competitors

Again, you can't make a direct 1:1 comparison between Security National and big names like GEICO and Progressive because it's an underwriter and not the insurance provider itself. The best we can do is compare the average rates charged by Bristol West to those charged by other big-name insurers.

To get closer to understanding what you might get for a premium underwritten by Security National and how it might compare with what you'd get from other major insurers, we'll look at average rates charged by Bristol West's competitors in Texas and Florida specifically.

But for a little broader context, here are the national average rates for full-coverage and liability-only across a range of major insurers:

Security National Auto Insurance vs. Progressive

On a national scope, you can see that Progressive charges a far bit below the national average for full-coverage policies, but only a little less than the national average for liability-only insurance. It's not the cheapest, but it's not the most expensive.

According to Insurify, Bristol West's nationwide average monthly rates for full-coverage and liability only are $236 and $111, respectively. Significantly higher than Progressive for the former, only a bit more for the latter.

In Florida, Progressive charges $296 a month on average for full-coverage and $210 a month on average for liability-only. Compare that to Bristol West's $354 per month average for full-coverage in Florida, and its $270 per month average for liability-only. It's clear: Bristol West policies are significantly more expensive in Florida than Progressive's.

The same holds true in Texas, where Progressive charges $171 for full-coverage insurance and $97 for liability-only, compared to Bristol West's $268 for full-coverage and $128 for liability-only.

Security National Auto Insurance vs. GEICO

Bristol West's policies as underwritten by Security National look even worse when compared to GEICO's. In Florida, GEICO charges an average of $99 per month for full-coverage and an average of $82 per month for liability-only.

In Texas, GEICO charges $71 per month on average for full-coverage — $100 cheaper than Bristol West — and just $41 per month for liability-only. It's safe to say that Bristol West is quite expensive compared to its competitors in the states where Security National underwrites policies.

FAQs

Bottom line

Because Security National Auto Insurance Company provides underwriting for Bristol West, you can't request insurance directly through Security National. Instead, you'll apply with Bristol West and the company may use Security National to underwrite your application.

Security National only operates in a couple of states, so unless you live in Florida or Texas, it won't be an option for you.

As with any insurance company, it's important to comparison shop before purchasing a policy. If you're shopping around for auto insurance, check out our list of the best car insurance companies to find the best deals.