Is Security National Good for Auto Insurance?
Last Updated on October 22, 2026
Security National has never been a brand you can shop. It is an underwriting company inside the Farmers Insurance Group, one of the legal insurers that issues Bristol West policies, and it is licensed in two states only, Florida and Texas. There is no Security National website, no Security National quote and no Security National customer service line, because the company does not sell to the public under its own name.
If you see “Security National” on your declarations page, that is normal and your policy is in good order. It means Security National is the carrier that assumes the risk, while Bristol West does the quoting, the billing and most of the service. Farmers lists Security National Insurance Company among its own companies, domiciled in Florida at 900 S. Pine Island Road, Ft. Lauderdale. Your coverage sits inside one of the largest property and casualty groups in the country.
If you are shopping rather than holding a policy, the name to look for is Bristol West, which is the consumer brand and sells through independent agents. Which Farmers company ends up on your paperwork is decided by the company, not by you.
Bristol West describes itself as “a member of the Farmers Insurance Group of Companies, one of the largest property and casualty insurer groups in the United States.” For a broader look at Farmers’ strengths and tradeoffs, see our Farmers Insurance review.
Security National at a Glance
Summary
Bottom line: you cannot buy a Security National policy, because the company does not sell under that name. If it is the carrier on your Bristol West paperwork, that is a normal Farmers arrangement and your day-to-day dealings run through Bristol West.
Farmers’ own group legal statement lists Security National Insurance Company among its companies, domiciled in Florida at 900 S. Pine Island Road, Ft. Lauderdale, and licensed in Florida and Texas only. It sits alongside the three Bristol West companies and Coast National on that list. Policies issued on this paper carry the standard coverages (liability, comprehensive, collision and the common add-ons) with availability and limits set by Bristol West’s underwriting guidelines. The upside is the Bristol West agent network and the backing of the Farmers group. The thing to understand is structural: this is not a company you choose, it is a company that gets named on your contract.
Best for
- Drivers in Florida or Texas who found this name on their declarations page and want to know what it is
- People who prefer working through an agent or broker network for quoting and service
- Drivers who may not fit “preferred” underwriting and want to compare a broader set of options
Not ideal for
- Anyone trying to buy a policy branded Security National — no such product is sold
- Drivers outside Florida and Texas, where this company is not licensed
- Anyone who expects the underwriting carrier to be the main point of contact for billing and routine service
- Security National at a Glance
- What Is Security National Insurance Company?
- How Security National Auto Insurance Works With Bristol West
- Security National Coverage Options
- Who Security National (Bristol West) Can Be a Good Fit For
- Security National Auto Insurance Discounts
- Security National Ratings, Reviews, and Financial Strength
- Final Word on Security National Auto Insurance
- FAQs on Security National Auto Insurance
- Sources
What Is Security National Insurance Company?
Security National Insurance Company is a Florida-domiciled insurer licensed in Florida and Texas, and it is one of the companies Farmers names in its own group legal statement, with a principal place of business at 900 S. Pine Island Road, Ft. Lauderdale, FL 33324. On that same list sit Bristol West Casualty, Bristol West Insurance Company, Bristol West Preferred, Coast National and the Foremost and Farmers companies. Security National is the carrier on some Bristol West policies in those two states.
What it is not is a company with customers of its own. There is no Security National website, no Security National quote path, no Security National agent and no Security National phone number, because the name exists on contracts rather than in the market. That is ordinary in this industry: big groups keep a stable of licensed companies and decide which one writes a given risk in a given state.
Watch the name, because more than one company uses it. Security National Life Insurance Company sells life insurance and is a different organization entirely. There is also at least one other property and casualty company trading as Security National Insurance Company on state regulator records, domiciled outside Florida and unrelated to Farmers. The way to tell which one you have is the domicile and the address: the Farmers company is Florida-domiciled at 900 S. Pine Island Road in Ft. Lauderdale, and it appears on Farmers’ own list of companies. If your paperwork says something else, you have a different insurer and nothing on this page applies to it.
How Security National Auto Insurance Works With Bristol West
Auto insurance involves two key roles:
- Underwriting carrier: the company that assumes the risk and issues the policy contract. In Florida and Texas that may be Security National. It is the name that matters for complaints, cancellations and claims disputes, and for which state regulator has jurisdiction.
- Policy servicing: the team you actually interact with for payments, ID cards, changes and claims. For these policies that is Bristol West, which publishes 888-888-0080 for billing and service and 1-800-274-7865 for claims.
Quick tip: When comparing quotes, check the “Company” or “Underwritten by” line on the quote/policy. That’s the legal entity responsible for the contract—important for complaints, cancellations, and claims disputes.
Security National Coverage Options
In Florida and Texas, policies written on this paper are built to meet state requirements and can usually be customized beyond minimum liability limits. Coverage availability, limits and deductibles are set by Bristol West’s underwriting guidelines and vary by driver and vehicle. The table below is the general shape of a Bristol West auto policy and not a published Security National product list, because the company does not publish one.
| Coverage Type | What It Generally Pays For | When It’s Most Useful |
|---|---|---|
| Liability coverage (required) | Injuries and property damage you cause to others while driving. | To stay legal on the road and protect against large out-of-pocket losses. See also: Texas insurance requirements. |
| Collision | Damage to your vehicle from a crash (regardless of fault), up to the car’s value minus your deductible. | If your car is newer, financed/leased, or expensive to repair. |
| Comprehensive | Non-collision losses like theft, vandalism, hail, fire, or animal damage, up to the car’s value minus your deductible. | If you want protection from unpredictable non-crash risks. |
| Uninsured/underinsured motorist | Injuries (and sometimes vehicle damage) caused by a driver with no insurance or too little coverage. | If you want added protection when the at-fault driver can’t pay. |
| Medical payments (MedPay) | Eligible medical expenses for you and passengers, usually regardless of fault, up to the limit you select. | If you want quick medical bill coverage without waiting on fault decisions. |
| Personal injury protection (PIP) | In no-fault states, pays certain medical expenses and related losses based on state rules and your chosen limits. | Commonly important in Florida, where no-fault rules apply. |
| Rental reimbursement | Helps pay for a rental car after a covered claim, subject to daily/total limits on the policy. | If you rely on your vehicle for commuting and can’t easily go without a car. |
| Towing and roadside assistance | Assistance for common breakdown events (tows, jump starts, lockouts), subject to policy terms. | If you want help with smaller, inconvenient roadside issues. |
| Trailer coverage | May extend certain protections to a trailer you tow, depending on policy language and endorsements. | If you regularly tow a utility, boat, or travel trailer and want clearer coverage terms. |
| Rideshare coverage | May help close coverage gaps when driving for a transportation network company, depending on stage of use and endorsement. | If you drive for Uber/Lyft and want fewer gray areas between personal and commercial coverage. |
Drivers who want broader protection often look for full coverage car insurance (typically liability + comprehensive + collision), especially when a lender requires it.
Who Security National (Bristol West) Can Be a Good Fit For
Bristol West’s own homepage is titled “Affordable Auto Coverage for High-Risk Drivers,” which tells you what this book is for: drivers with a spotty insurance history, prior violations, or other rating factors that make standard carriers expensive or hard to qualify for. Policies on Security National paper sit inside that book.
That doesn’t automatically make the coverage “better” or “worse”—it just means you should compare the total package: premium, deductibles, limits, payment plan, and how easy it is to service the policy.
Security National Auto Insurance Discounts
Neither Farmers nor Bristol West publishes a discount list for this book, so the table below is the set of categories worth asking an agent about rather than a published schedule. Availability varies by state, driver profile and how the policy is written.
| Discount Type | What It Usually Rewards | What To Ask Your Agent/Carrier |
|---|---|---|
| Continuous insurance | Maintaining insurance without lapses. | How far back your prior coverage is reviewed and what counts as a lapse. |
| Defensive driving course | Completing an approved course (often age/state specific). | Which courses are accepted and whether the discount is time-limited. |
| Homeowner | Homeownership status (even without bundling in some cases). | Whether proof is needed and whether it applies for condos/townhomes. |
| Multi-car | Insuring more than one vehicle on the policy. | Whether all vehicles must be garaged at the same address. |
| Safe driver | A cleaner driving record over a defined period. | Which violations/accidents affect eligibility and for how long. |
| Good student | Academic performance for eligible student drivers. | Accepted documentation (report card/transcript) and GPA requirements. |
| Vehicle safety features | Anti-theft devices and certain safety equipment. | Which features count (factory vs. aftermarket) and whether VIN verification is needed. |
Security National Ratings, Reviews, and Financial Strength
Security National does not appear on national “best insurer” lists, and it should not: those lists rate brands people buy, and nobody buys this one. The experience you get is the Bristol West experience, which in practice depends on your local agent or broker, the complexity of the claim, the documentation and how fast information moves. If you want to research service quality, research Bristol West and Farmers and check the complaint record your state department of insurance keeps against Security National Insurance Company by name.
Financially, the group behind the paper is the thing to look at, and that is Farmers, one of the largest property and casualty groups in the country by Bristol West’s own description. A.M. Best rates the Farmers companies, and its ratings pages require an account. Ratings also change, so look up the current one for the exact company name on your declarations page rather than for the group.
Final Word on Security National Auto Insurance
Security National is best understood as a name on a contract: the underwriting company that may appear on some Bristol West auto policies in Florida and Texas. There is no product to review under that name and no decision for you to make about it. The coverage looks like other auto coverage, and the choice that is actually yours is price, deductibles and how the policy is serviced.
If you’re shopping, compare quotes with the same limits and deductibles, confirm discount eligibility, and ask who will service your policy and claims day-to-day.
My advice: do not let an unfamiliar company name on a declarations page worry you, and do not ignore it either. Write it down, check it against the group’s own list of companies, and use that exact name if you ever have to complain to your state regulator. A name you have never heard of is usually a group’s internal plumbing. Once in a while it is the wrong company entirely, and the only way to tell is to look.
| Bristol West / Security National Policy Contact Info | |
|---|---|
| Customer Service / Billing | 1-888-888-0080 |
| Claims | 1-800-274-7865 |
| Roadside assistance | 1-800-274-7865, available 24 hours a day |
| Farmers claims center (24/7) | 800-435-7764 |
| Website | https://www.bristolwest.com/ |
| Company on the contract | Security National Insurance Company, 900 S. Pine Island Road, Ft. Lauderdale, FL 33324. Licensed in Florida and Texas only. |
| Mailing Address | Mailing addresses vary by state and policy type. Use the address listed on your declarations page or billing statement. |
FAQs on Security National Auto Insurance
Sources
Checked October 19, 2026
