Is Security National Good for Auto Insurance?
Last Updated on January 8, 2026
Security National Insurance Company is an auto insurer that may underwrite Bristol West policies in Florida and Texas. If you see “Security National” on your declarations page, it typically means Security National is the underwriting carrier, while Bristol West handles quoting, billing, and most customer service.
Security National is part of the Farmers family of companies. For a broader look at Farmers’ strengths and tradeoffs, see our Farmers Insurance review.
Our Rating of Security National
3.25
out of 5
★★★☆☆
Summary
Bottom line: Security National can make sense when it’s the underwriting name on a Bristol West policy in Florida or Texas, but most of your day-to-day experience will run through Bristol West.
Security National-backed policies can support standard coverages (liability, comprehensive, collision, and common add-ons), with availability and limits varying by driver and underwriting guidelines. The main upside is access to coverage through Bristol West’s agent network and the stability associated with the Farmers family of companies, while the tradeoffs are limited brand recognition and fewer direct-to-consumer touchpoints because quoting, billing, and most servicing typically happen through Bristol West.
Best for
- Drivers in Florida or Texas whose Bristol West policy lists Security National as the underwriting carrier
- People who prefer working through an agent/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
- Drivers outside Florida and Texas looking for Security National as the primary policy brand
- Shoppers who want a direct-to-consumer experience under the Security National name
- Anyone who expects the underwriting carrier to be the main point of contact for billing and routine service
- Our Rating of Security National
- 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
What Is Security National Insurance Company?
Security National Insurance Company (the auto insurer) is a Florida-domiciled company that is licensed to write auto insurance in Florida and Texas. It’s commonly associated with Bristol West policies in those states.
There’s also a separate company with a similar name—Security National Life Insurance Company—which sells life insurance products. The auto insurer and the life insurer are not the same organization, so it’s important to match the name on your policy documents.
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 (this may be Security National in FL/TX).
- Policy servicing: The team you typically interact with for payments, ID cards, changes, and claims (often Bristol West for these policies).
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, Security National-backed policies are typically built to meet state requirements and can often be customized beyond minimum liability limits. Coverage availability, limits, and deductibles vary by driver, vehicle, and underwriting guidelines.
| 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
Security National-backed policies are most commonly associated with Bristol West’s focus on drivers who may not fit “preferred” underwriting. This can include drivers with a spotty insurance history, prior violations, or other rating factors that make standard carriers expensive or hard to qualify for.
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
Discount availability varies by state, driver profile, and how the policy is written. If Security National is underwriting your policy through Bristol West, these are common discount categories to ask about:
| 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 is not always reviewed separately on national “best insurer” lists because many customers interact primarily with Bristol West for policy service and claims. In practice, the experience often depends on factors like your local agent/broker, the complexity of the claim, documentation, and how quickly information is exchanged.
From a financial perspective, Security National’s connection to the Farmers family of companies is often the bigger takeaway. Farmers Insurance Group has an A (Excellent) financial strength rating from A.M. Best (affirmed in 2025). Ratings can change, so it’s smart to verify the current rating for the specific company name shown on your policy.
Final Word on Security National Auto Insurance
Security National is best understood as the underwriting name that may appear on some Bristol West auto policies in Florida and Texas. The coverage options are broadly similar to other auto insurers, but the best choice depends on your price, deductibles, and how the policy is serviced—not just the name on the declarations page.
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.
| Bristol West / Security National Policy Contact Info | |
|---|---|
| Customer Service / Billing | 1-888-888-0080 |
| Claims | 1-800-274-7865 |
| Website | https://www.bristolwest.com/ |
| Mailing Address | Mailing addresses can vary by state and policy type. Use the address listed on your declarations page or billing statement. |
