Compare Foremost Auto Insurance Rates

Is Foremost Insurance Worth It? An Independent Review (2026)

By ReliablePolicy Editorial Team

Foremost invented mobile home insurance in 1952 and is now a Farmers company. What most auto shoppers do not realize: Foremost does not underwrite its own auto policies — Bristol West does. The pricing reflects the high-risk book that follows, running well above the national average on both full and minimum coverage. Here's the 2026 look.

Foremost Insurance overview

Foremost Insurance Company was founded on June 12, 1952 in Grand Rapids, Michigan to insure mobile homes — it wrote the first mobile home policy in the country and today covers more than a million manufactured homes. Farmers Insurance Group acquired it in 2000, and it carries an A (Excellent) AM Best rating on that strength. Its specialty book still leads the business: manufactured and mobile homes, motorcycles, RVs, ATVs, collector cars, and seasonal or vacant property. On auto, the structural fact that matters is that Bristol West — also a Farmers subsidiary — underwrites and services the policies, with Foremost acting as the marketing brand. Pricing tracks the high-risk segment Bristol West serves: independent analysis puts full coverage near $3,226 per year against a national average near $2,356, and minimum coverage near $1,602 against roughly $722. NAIC complaints run above expectation for a carrier its size, with price and customer service the recurring themes.

Foremost Insurance estimated rates by driver profile (2026)

Independent market estimates for drivers researching Foremost Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.

Estimates based on NAIC rate filings and state insurance department data. Not quotes from Foremost Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.

Foremost Insurance pros and cons

A closer look at Foremost Insurance

Foremost is two businesses wearing one name. The specialty side — mobile homes, motorcycles, RVs, collector cars — is where the company has genuine depth and a seventy-year track record, and for a manufactured home there are few better options. The auto side is a marketing wrapper around Bristol West, a non-standard carrier that prices for drivers other insurers decline. That explains the numbers: paying roughly $3,200 a year for full coverage only makes sense if the standard market has already turned you down, because a clean-record driver is buying a high-risk product at a high-risk price. If you came to Foremost through a mobile home or motorcycle policy and were offered auto as an add-on, quote it against two standard carriers before accepting.

Frequently asked questions about Foremost Insurance

Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Foremost Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.