Bristol West Insurance Agent in Yuba City, CA
Oakview Insurance Services is an independent agency in Yuba City appointed with Bristol West, a member of the Farmers Insurance Group of Companies. We write Bristol West personal auto and small business commercial auto for drivers and businesses across California, and we compare it with the other carriers we can access.
Mariah Davis founded Oakview in her hometown of Yuba City in 2010. Today our 20 dedicated insurance professionals help Northern California drivers find coverage that fits their record, their vehicles, and their budget.
- AM Best A (Excellent)
- Personal & Commercial Auto
- 850+ Five-Star Google Reviews
- Spanish-Speaking Agents
- Local Yuba City Office
About Bristol West
Why California Drivers Choose Bristol West
Bristol West has written private passenger auto insurance since 1973, and it is built for drivers whose records do not fit a preferred carrier.
Bristol West began in Florida in 1973 as a private passenger auto insurer and now offers personal auto through agents and brokers in 43 states. The Farmers Exchanges acquired Bristol West Holdings in 2007, and Bristol West is a member of the Farmers Insurance Group of Companies. On September 3, 2026, AM Best affirmed its Financial Strength Rating of A (Excellent) for the members of Farmers Insurance Group, including the Bristol West insurance companies. Bristol West offers auto coverage for drivers with a less-than-perfect driving record, traffic violations, or no prior insurance, along with a commercial auto program for small businesses.
California auto insurance works differently from most states. Under Proposition 103, auto rates must be based primarily on your driving safety record, the miles you drive each year, and your years of driving experience, and insurers cannot use your credit score to set your auto rate. Since January 1, 2025, California's minimum liability limits have been 30/60/15: $30,000 for injury or death of one person, $60,000 for all persons in one accident, and $15,000 for property damage. Under SB 1107, those minimums are scheduled to rise to 50/100/25 on January 1, 2035. Your driving record carries real weight in California, so we look at it closely before we recommend Bristol West or any other carrier.
Bristol West Through Oakview
Bristol West Personal and Commercial Auto
We write two Bristol West programs in California: personal auto and small business commercial auto. Coverage is subject to Bristol West underwriting and policy terms.
Personal Auto When Your Record Does Not Fit a Preferred Carrier
Bristol West personal auto is written for drivers with tickets, accidents, or a lapse in coverage, and for drivers who simply want another option. Liability, collision, and comprehensive coverage form the core of the policy, and optional coverages are available subject to eligibility and policy terms. Bristol West offers SR-22 filings for eligible policies, so if the DMV requires one, we can check Bristol West's current filing availability and underwriting requirements for you. See how it compares with our other car insurance options.
- Bodily Injury and Property Damage Liability
- Uninsured and Underinsured Motorist
- Medical Payments Where Available
- Collision
- Comprehensive
- SR-22 Filing for Eligible Policies
Small Business Commercial Auto
Under its current program guidelines, Bristol West Commercial Auto is designed for sole proprietors, corporations, and partnerships with nine or fewer power units, or up to 20 units when trailers are included. It writes risks from preferred to non-standard, rates vehicles up to 33,000 pounds such as pickup trucks, cargo and delivery vans, and box trucks, and uses FMCSA operating history for businesses with a USDOT number. Eligibility is subject to current California underwriting guidelines. Our commercial auto insurance page explains how we place business vehicles.
- Contractors
- Landscapers
- Retail and Services
- Food Services
- Wholesale Trade
Personal Vehicles That Do Not Fit a Personal Policy
Bristol West's commercial program also offers a Non-Business class for people who own a personal vehicle that is not acceptable on a personal auto policy. The program accepts private passenger type vehicles as well as trucks and vans, so it can give an owner a place to insure a vehicle that a personal policy will not take. Acceptance is subject to Bristol West underwriting.
- Non-Business Class
- Private Passenger Type Vehicles
Sacramento Valley Drivers
Where Bristol West Fits in the Sacramento Valley
Bristol West tends to fit the situations below, subject to its underwriting.
California's Higher Minimum Limits
Policies issued or renewed since January 1, 2025 carry liability limits of at least 30/60/15. The minimum may not cover a serious accident, so we talk through higher limits and uninsured motorist coverage with you before you buy.
Tickets, Accidents, or a Lapse
A recent ticket, an at-fault accident, or a lapse in coverage can put a driver outside a preferred carrier's guidelines. Bristol West is one of the carriers we check when that happens, and we compare it with the other options before you decide.
Contractors and Service Trucks
Contractors, landscapers, and service businesses around Yuba City, Marysville, and Chico run pickups and vans every day. Bristol West Commercial Auto is built for small fleets of up to nine power units under its current program guidelines, subject to underwriting, and we can review the rest of your business insurance at the same time.
Coverage at a Glance
Bristol West Coverage Through Oakview
| Coverage | Who it's for |
|---|---|
| Bodily injury and property damage liability | Every California driver. The required minimum is 30/60/15, and many drivers choose higher limits. |
| Uninsured and underinsured motorist | Drivers who want protection if the at-fault driver has no insurance or not enough insurance. |
| Medical payments | Drivers who want help with medical costs after an accident, where available and subject to policy terms and limits. |
| Collision | Drivers who want their own vehicle repaired after it collides with another car or object. Lenders often require it on financed vehicles. |
| Comprehensive | Drivers who want coverage for damage from events outside a collision, such as theft, vandalism, and weather. |
| SR-22 filing | Drivers the DMV requires to keep proof of insurance on file, often for three years depending on the reason. Available for eligible policies. |
| Small business commercial auto | Businesses with nine or fewer power units, or up to 20 units with trailers, under current program guidelines. |
| Non-Business class | Owners of a personal vehicle that is not acceptable on a personal auto policy. |
Coverage is subject to Bristol West underwriting, policy terms, limits, and exclusions.
Why Oakview
Why Work With Oakview on Bristol West
Bristol West is one of more than 100 A-rated carriers we can access, including our core panel of 30+ direct-appointed carriers plus surplus lines and specialty markets. That matters most when a driving record is complicated. We quote Bristol West next to the other carriers that fit your situation, explain the differences in coverage and price, and tell you which one we would choose.
Our 20 dedicated insurance professionals work from our office on Sierra Avenue in Yuba City. We have earned 850+ five-star Google reviews and were voted Best Insurance Agency, Best Agent, and Best Customer Service in the Appeal-Democrat's Best of Yuba-Sutter-Colusa readers' poll, multiple years. Two of our personal lines agents speak Spanish and can help with business and farm policies too.
Most drivers get a same-day quote, and you can start the request before every document is ready. You can meet our team or read our reviews on Google, then call us at (530) 674-5054.
Service Area
Bristol West Insurance Across Northern California
We work with clients throughout California, with a focus on Northern California and the communities below.
Our Yuba City Office
Oakview Insurance Services, 1670 Sierra Ave Ste 303, Yuba City, CA 95993. Call (530) 674-5054 or email info@oakviewins.com. Oakview is licensed in California, Oregon, Washington, Nevada, Idaho, and Arizona.
Yuba-Sutter
Our home base: Yuba City, Marysville, Linda, Plumas Lake, Live Oak, and Wheatland, plus nearby Sutter, Meridian, and Loma Rica.
Butte and Colusa Counties
We serve drivers and businesses in Chico, Oroville, and Gridley in Butte County, and in Colusa.
Greater Sacramento
Our clients also include drivers and businesses in North Natomas, Sacramento, Roseville, Rocklin, Lincoln, and Woodland.
Common Questions
Bristol West Insurance Questions, Answered
Is Oakview an appointed Bristol West agent?
Yes. Oakview Insurance Services is an independent agency appointed with Bristol West. We write Bristol West personal auto and small business commercial auto for California drivers and businesses from our office in Yuba City, and we can compare Bristol West with the other carriers we can access.
What is Bristol West's AM Best rating?
On September 3, 2026, AM Best affirmed its Financial Strength Rating of A (Excellent) for the members of Farmers Insurance Group, which include the Bristol West insurance companies. The outlook on the Financial Strength Rating is stable.
Is Bristol West part of Farmers Insurance?
Yes. The Farmers Exchanges acquired Bristol West Holdings in 2007, and Bristol West is a member of the Farmers Insurance Group of Companies. Bristol West still operates under its own name and focuses on personal and commercial auto insurance.
What does Oakview write with Bristol West in California?
Through Oakview, Bristol West writes personal auto, including liability, uninsured and underinsured motorist, collision, and comprehensive coverage, and small business commercial auto for businesses with nine or fewer power units under its current program guidelines. Coverage, optional features, and eligibility are subject to Bristol West underwriting and policy terms.
Does my credit score affect my auto insurance rate in California?
No. California's Proposition 103 does not allow insurers to use credit scores to set auto insurance rates. Rates must be based primarily on your driving safety record, the miles you drive each year, and your years of driving experience. That rule applies to Bristol West and to every other auto carrier in California.
Does Bristol West offer SR-22 filings in California?
Bristol West offers SR-22 filings for eligible policies. If the California DMV requires a filing, our team can check Bristol West's current filing availability and underwriting requirements. The DMV commonly requires proof to stay on file for three years, depending on the reason for the requirement, and a cancellation while the requirement is in effect can lead to a new suspension, so keep the policy active the whole time.
How do I get a Bristol West quote in California?
Call us at (530) 674-5054 or fill out our online quote form. Most drivers get a same-day quote. You can start the request before every document is ready, and your driver's license number, vehicle information, and current policy, if you have one, help us quote faster.
Why work with Oakview instead of going to Bristol West directly?
Bristol West offers its policies through agents and brokers. Working with Oakview means a local agent compares Bristol West with the other carriers we can access, explains the differences, and helps with changes and claim questions after the policy starts. If another carrier fits better, we will tell you that too.
Does Oakview serve Bristol West clients outside Yuba City?
Yes. We work with clients throughout California, with a focus on Northern California, including Marysville, Chico, Oroville, Sacramento, Roseville, and Woodland. We can quote and service your policy by phone and email.
Talk to a Local Bristol West Agent
Tell us about your drivers, your vehicles, and any tickets or accidents, and we will quote Bristol West alongside the other carriers that fit. If another carrier fits better, we will tell you that too.
Existing client? Find Bristol West claims and billing contacts on our carriers page.
Oakview Insurance Services, Inc. | 1670 Sierra Ave Ste 303, Yuba City CA 95993 | CA License #0L91635 | (530) 674-5054 | info@oakviewins.com | Licensed in CA, OR, WA, NV, ID, AZ | The Bristol West logo and related marks are service marks of Bristol West or its affiliates. Bristol West is a member of the Farmers Insurance Group of Companies. Coverage is subject to carrier underwriting guidelines and availability. This page is for informational purposes only and is not a commitment to insure.