Bristol is available in most states and is a leader in liability coverage for high-risk drivers. The company holds a strong financial standing and has fewer than average complaints. They also offer low down payment and flexible payment plans. Being a subsidiary of Farmers Insurance, it is only sold through Farmers Insurance agents rather than directly to consumers. Most commonly, individuals are labeled as high-risk drivers due to serious violations such as — driving under the influence, causing a hit-and-run accident, acquiring a ton of speeding tickets or having an expired or no licence. Apart from this if you are a very young or an old driver and live in a very dense urban area or drive an older vehicle you might also be labeled as an insurance risk at times.