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Foremost Car Insurance Review (With Quotes, Updated August 2022)

Foremost provides car insurance in partnership with Bristol West, specializing in coverage for high-risk drivers.

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Katie Powers

By: Katie Powers

Edited by Jackie Cohen

Last Updated August 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Quick Facts

  • The average cost of car insurance with Foremost is $168 per month.
  • Foremost is good for high-risk drivers, collectible auto insurance, and flexible payments.
  • Foremost is bad for online access, standard coverage, and affordable coverage.

On average, policyholders with auto coverage from Foremost Insurance Group, a subsidiary of Farmers Insurance Group, spend $168 per month and $2,016 per year. Auto policy rates ultimately vary on a driver-by-driver basis depending on driving records, credit score, age, gender, vehicle type, chosen insurance policy, set deductible, state and city location, and more.

Foremost Car Insurance Quotes by Driver History

What is the average cost of auto insurance from Foremost Insurance Company?

Foremost auto insurance is $168 per month and $2,016 per year on average for policyholders. Individual rates vary based on driving records, credit history, age, location, vehicle type, and coverage levels.

Like most insurance providers, Foremost calculates insurance rates using a methodology that considers driving history, alongside factors like credit history, age, vehicle type, and coverage levels. Foremost policyholders with clean driving records pay the lowest insurance rates, and drivers with a recorded DUI, at-fault accident, or speeding ticket face higher overall premiums.

Driver ProfileForemost Average Monthly PremiumNational Average
Clean Record$171$108
DUI$176$159
At-Fault Accident$284$122
Speeding Ticket$195$116
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Foremost Car Insurance Quotes by State

Where you are impacts auto rates because of area-specific factors that affect driver risk levels. Factors related to geographic location include road infrastructure, crime rates, state minimum insurance requirements, population, weather, and climate. Available in all 50 states and Washington, D.C., Foremost auto insurance rates may fluctuate on a state-by-state basis.

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Foremost Car Insurance Pros and Cons

Foremost auto insurance works best for high-risk drivers with past infractions that make finding affordable coverage feel overwhelming. The company contains a wide variety of insurance products, with personal, commercial, and collectible auto insurance available. Drivers with clean driving records can likely find more affordable auto insurance coverage elsewhere.

ProsCons
  • Coverage for high-risk drivers
  • Collectible auto insurance available
  • Flexible payments
  • Poor online and mobile app access
  • Does not focus on standard coverage
  • Average rates exceed national rates

Foremost Car Insurance Discounts

Policyholders with Foremost auto insurance often earn savings through a variety of discounts. Customers earn savings through multi-policy, multi-vehicle, paid in full, electronic pay, student away at college, switching from another company, and safe driving discounts. AARP and USAA members may be eligible for additional perks, and general eligibility will vary by policyholder.

Read More About Discounts: Common Car Insurance Discounts

Foremost Car Insurance Coverage Options

In partnership with Bristol West, Foremost offers policyholders a “one household, one policy” rule for all coverage. Primary coverage options from Foremost include underinsured and uninsured motorist coverage, bodily injury and property damage liability, rental reimbursement, medical payments, towing and roadside assistance, and loan/lease coverage.

In addition to personal auto insurance, Foremost provides policyholders with options for commercial and collectible auto insurance. Other vehicle coverage options include boat and other watercraft, off-road vehicles, RV and motorhome, travel trailer, and motorcycle insurance. Homeowners insurance options include renters, vacant, seasonal, and mobile home insurance.

Foremost Car Insurance Reputation

As part of the Farmers Insurance Group of Companies, Foremost is known for its robust home insurance options, alongside auto, marine, motorcycle, off-road vehicle, and RV insurance. The underwriting of auto insurance policies happens through Foremost’s partnership with Bristol West. Claims service is available online or over the phone for customers 24/7.

According to customer reviews available online, some policyholders feel that customer service from company representatives and independent insurance agents selling the insurance could be improved. Specific customer complaints cite a lack of focus from agents to help drivers earn affordable rates. Foremost has a solid financial strength rating of A from A.M. Best.

Foremost Customer Service

Customers can go online or call 1 (800) 527-3907 to file or manage a claim 24/7, and the number for 24-hour roadside assistance service is 1 (800) 554-6678. Bills can be mailed or paid online via the Foremost website, and questions can be directed to 1 (800) 532-4221. For policy questions, contact your local agent or call 1 (888) 888-0080 for a Bristol West representative.

Foremost Claims Filing Process

Foremost customers can file or check on a claim 24/7 online or by calling 1 (800) 527-3907 to reach a representative. For Bristol West auto insurance questions and service, customers should call 1 (800) 274-7865. The five-step claims process includes claims assignment, initial contact, evaluation and estimation, resolution, and closing the claim. Specifics vary.

See More: Best and Worst Sites to Compare Car Insurance

Frequently Asked Questions

  • Foremost car insurance works best for high-risk drivers looking for affordable coverage despite past driving infractions. An affiliate of Bristol West, Foremost offers nonstandard auto insurance options, with additional home and vehicle insurance products. Drivers with clean driving records should look elsewhere for more affordable auto rates.

  • On average, Foremost insurance costs $168 per month and $2,016 per year. Despite being more expensive than national average rates, Foremost provides an affordable option for high-risk individuals with driving incidents on their records. Individual rates vary based on driving history, credit history, age, location, vehicle type, and chosen coverage level.

  • Foremost offers select insurance discounts for policyholders, though individual eligibility varies on a driver-by-driver basis. Savings opportunities for policyholders include multi-policy, multi-vehicle, paid in full, electronic pay, student away at college, switching from another company, AARP, USAA, and safe driving discounts.

  • Shopping around prior to purchasing an auto insurance policy is a reliable way to gauge your options and understand what works for you. Finding affordable car insurance no longer requires the help of a local insurance agent. With the Insurify car insurance comparison tool, you can compare free quotes from the comfort of your couch right this minute.

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Katie Powers
Katie Powers
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Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

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