Is Foremost Good for Auto Insurance?

Last Updated on February 8, 2022

Foremost Insurance Group is a specialty insurance company that serves markets not covered by other providers.

Over the last 65 years, Foremost has built a reputation for providing quality auto insurance, RV insurance, and other insurance products.

Is Foremost Good for Auto Insurance?Is Foremost good for auto insurance? Should you request a quote from Foremost? Find out everything you need to know about Foremost Insurance Group today in our review.

Table of Contents:

About Foremost Insurance Group

Foremost Insurance Group is an insurance company offering home and auto insurance. It is a member of the Farmers Insurance Group of Companies, after being acquired by Farmers in 2000.

The company offers non-standard insurance policies, including coverages you won’t find anywhere else. Foremost is best-known for its RV and mobile home insurance products. The company also insures high-risk drivers through its auto insurance partner, Bristol West.

Overall, Foremost specializes in providing insurance to underserved markets. You can get ordinary car and home insurance through any provider. For unique insurance products, high-risk insurance, and alternative insurance services, you could find a better deal with Foremost.

If you want robust coverage and a wide range of insurance products and services, then Foremost is not the right choice for you. If you want alternative insurance products or if you’ve struggled to find the right insurance through conventional providers, then Foremost may be the smart choice.

Foremost was founded in 1952. The company is a member of Farmers Insurance Group. Foremost is headquartered in Grand Rapids, Michigan, and provides insurance products to all 50 states.

Foremost Insurance Contact Info
Address5600 Beech Tree Lane
Caledonia, MI 49316
Customer Service Phone Number800-527-3905
HoursMonday – Friday, 9 AM to 8 PM ET
Website URL

Foremost Insurance Products & Services

Foremost offers a range of insurance products and services catering to drivers with all different needs, including all of the following:

Auto Insurance: Foremost offers standard and unique auto insurance policies through its car insurance partner, Bristol West. You can buy an ordinary car insurance policy through Foremost. Or, you can buy a collectible auto insurance policy, a commercial auto insurance policy, or other unique coverage options.

Home Insurance: Foremost offers a range of home insurance options for standard homes, mobile homes, RVs, and other dwellings. The company offers comprehensive property coverage, named peril coverage, liability coverage, actual cash value or replacement cost policies, extended replacement cost policies, and more. You can also add coverage for additional living expenses, replacement cost coverage on personal property, high-value item coverage, business property and liability coverage, and higher liability limits, among other options.

Luxury Motor Coach Insurance: Foremost is one of the best-known companies for luxury motor coach insurance. Foremost’s luxury motor coach insurance premiums are based on the type of luxury motor coach you drive, how you use it, how much you use it, and your driving record, among other factors. Foremost has been insuring motor coaches for 55+ years, and they use this experience to provide some of the best luxury motor coach insurance premiums in the industry.

Flood Insurance: Foremost partners with the National Flood Insurance Program to sell flood insurance. The company sells flood insurance in low-risk, moderate-risk, and high-risk areas, including up to $250,000 of flood insurance coverage for a residential building and $100,000 of coverage for the contents of the building (with higher limits available for business flood insurance).

Personal Watercraft Insurance: Foremost sells personal watercraft (PWC) insurance to homeowners, allowing you to protect any watercraft you own.

Snowmobile Insurance: Some home insurance policies cover snowmobiles, but Foremost also offers dedicated snowmobile insurance policies. The company’s snowmobile insurance covers safety apparel, optional equipment, medical payments, trailers, and other unique things you won’t find on a home insurance policy. If you want maximum protection for your snowmobile, then Foremost’s snowmobile insurance policy may be the right choice.

Other Property Insurance Products: Foremost also offers insurance for mobile homes, vacant homes, seasonal homes, landlord and rental homes, owner-occupied condominiums, and other unique properties.

Other Vehicle Insurance Products: Foremost also offers insurance for scooters, motorcycles, off-road vehicles, golf carts, neighborhood electric vehicles, motor homes, travel trailers, fifth wheels, and other vehicles.

How Does Foremost Auto Insurance Work?

Foremost auto insurance works similar to the insurance provided by other major firms. Although Foremost is known for insuring alternative vehicles and high-risk drivers, the company’s auto insurance works similarly to any other auto insurance policy.

Foremost auto insurance comes with all of the following options:

Liability Coverage: Most states require drivers to carry a certain minimum limit of bodily injury and property damage liability coverage. All Foremost car insurance policies come with liability coverage.

Uninsured and Underinsured Motorist Coverage: Required in some states but not others, uninsured/underinsured motorist coverage protects drivers against motorists who have too little insurance – or no insurance whatsoever. Nationwide, approximately 1 in 8 drivers have no car insurance.

Rental Reimbursement Coverage: If you ren a car after a covered loss on your vehicle, Foremost will reimburse you up to $50 per day for 30 days, allowing you to rent a vehicle.

Medical Payments Coverage: Medical payments coverage covers medical bills and similar expenses after an accident, regardless of fault.

Towing and Roadside Service: Foremost’s emergency roadside assistance coverage costs a few extra dollars per month, covering drivers for fuel delivery, flat tire changes, towing, and other roadside services.

Loan/Lease Coverage: If you crash a new car, then you might owe more money on your loan or lease than what the vehicle is worth. In this situation, Foremost pays the difference between what you owe on the vehicle and what your insurance pays. Not all companies offer loan/lease coverage (also known as gap coverage).

Foremost provides car insurance through Bristol West, its reputable partner. When you get a car insurance quote through Foremost, you’re getting a quote from Bristol West.

What Makes Foremost Auto Insurance Unique?

Drivers have plenty of options for car insurance. What makes Foremost auto insurance unique? Why is the company better than competing options?

Here are some of the advantages of getting car insurance with Foremost via its car insurance partner, Bristol West:

Caters to High-Risk Drivers: Bristol West and Foremost specialize in insuring high-risk drivers. If you’ve been turned away by other insurance companies, or if you have been quoted high rates from other insurers, then you may find Foremost and Bristol West offer cheaper premiums even with your high-risk driving history.

Alternative Vehicle Coverage: If you drive a motor home, RV, luxury motor coach, neighborhood electric vehicle, golf cart, or another alternative vehicle, then Foremost may be the right choice. The company specializes in insuring alternative vehicles, allowing you to easily bundle all types of vehicles into one convenient policy.

RV, Motor Home, and Luxury Motor Coach Coverage: Foremost has been insuring motor coaches for 55+ years, and they’re one of the best-known names in the space. Many RV and motor home drivers rely on Foremost for affordable insurance.

One House, One Policy: Your Foremost insurance policy covers all included vehicles on one bill. Instead of managing separate insurance policies for your ATV, motor home, car, and home, you get one policy with all coverages bundled together.

Foremost Auto Insurance Discounts

Foremost offers similar discounts to other insurance companies, including all of the following:

Electronic Pay Discounts: If you pay your Foremost premiums online, you can save a small amount on your total insurance bill.

Multi-Policy Discount: If you have multiple policies with Foremost, then you’ll save money across all policies.

Multi-Vehicle Discount: If you insure multiple vehicles with Foremost, then you’ll save money across all vehicles, including cars, RVs, and other alternative vehicles.

Paid in Full Discount: Pay your Foremost car insurance policy in full upfront to save a small amount on your total premiums.

Switch from Another Company Discount: If you switch to Foremost from another insurance company, then you can get a discount.

Good Driving Record Discount: Drivers with three years of clean driving history receive a discount on insurance premiums. Drivers with five or more years of clean driving history receive a deeper discount.

Foremost Reviews & Ratings: What Do Customers Have to Say?

Foremost is not large enough to be rated by J.D. Power and other nationwide ratings firms. However, the company has strong financial strength ratings and fewer complaints to the NAIC than average.

A.M. Best has awarded Foremost Insurance Group a rating of A (Excellent) based on its financial strength. That means Foremost should have no trouble covering its claims in the near future. Foremost is a subsidiary of Farmers, one of the nation’s largest insurance companies, giving it additional financial backing.

Foremost also has fewer complaints to the National Association of Insurance Commissioners (NAIC) compared to the average. That means more policyholders are happy with Foremost than they are with other insurance companies.

Foremost has average ratings through WalletHub and other industry ratings organizations. The company has a 2.5-star rating on WalletHub with 200+ reviews, for example. Most policyholders do not review their insurer unless they’re dissatisfied with a claim, so low ratings are normal.

Final Word on Foremost Insurance

Foremost Insurance Group is a Michigan-based insurance company providing car insurance and alternative insurance products to policyholders in all 50 states.

A subsidiary of Farmers, Foremost is known for insuring high-risk drivers (through its partner car insurance company Bristol West) while also specializing in luxury coach coverage, motor home coverage, RV coverage, and other alternative vehicles.

To learn more about Foremost or to request a quote online today, visit

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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