Bridger Insurance Review: Pros and Cons (2024)

Bridger Insurance is a new California-based company that provides car insurance quotes by connecting drivers to thousands of independent agent partners who can assist them in getting a policy for their vehicle.


Bridger does not write car policies in the states where it operates, but can help you get a quote according to your coverage needs and budget through its partners.

Their standard car insurance offerings include some coverage options not typically provided by several insurers, like the glass deductible waiver which will pay to replace your damaged car glass without a deductible. Their roadside assistance coverage comes in handy and is available 24/7.


Also, for drivers who have seen their car insurance policy canceled or denied auto insurance due to their high-risk status, Bridger can help find the right car insurance for them through an agent.

However, the company is not really clear about policy details and their quoting process, which might be a challenge for drivers who might want more specifics regarding policy details. Also, Bridgers’s car insurance coverage is only available in some states, even though the company claims to include more states soon.

To be sure of what car insurance you are buying, this review will explain everything about the company, its operations, and coverage options, including their pros and cons, to enable you to make the right decision.

Pros and cons


  • Help high-risk drivers get non-standard insurance
  • They have a mobile app


  • Does not directly sell policies to the public
  • Quotes are to be obtained through an agent
  • New company with little information
  • No rating on AM Best

About Bridger Insurance

Bridger Insurance is based outside of Pleasanton, California. The company was founded in 1974 but was fully launched in 2017.

Currently, Bridger only sells car insurance in two states.

States availability

Bridger only issues policies for drivers in the states of California and Texas, but according to them, they are looking forward to expanding into more states soon.

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Bridger Insurance coverage

When trying to get auto insurance, it is important to understand what you need and what is required for your state, since most states would require you to hold a minimum amount of car insurance to legally drive.

Bridger offers additional perks for drivers who want more than the minimum coverage.

Here are the types of coverage drivers can receive from this policy:

  • Liability coverage: This liability coverage pays claims for those whom you have injured or killed in a car accident for which you were responsible. This covers property damage and bodily injury.
  • Medical payments: This will typically pay for your medical bills when you’re injured in a vehicle accident, regardless of who is at fault.
  • Comprehensive insurance: This covers you against damages like hail, theft, fire, vandalism, and more.
  • Collision: If your car sustains a collision with another driver or car, the collision coverage will help repair or replace your car if it is beyond repair.
  • Uninsured motorist: This coverage applies when another driver is determined to be at least partially at fault for a car crash and has inadequate or no insurance coverage.

Bridger car insurance optional coverage

You have the option to add these additional coverages to the standard car insurance policies mentioned above.

  • Glass deductible waiver: This extra coverage will allow you to get your damaged car glass fixed without a deductible.
  • Rental reimbursement: Rental reimbursement coverage pays for transportation expenses while your car is repaired. This will pay for your rental car up to 30 days.
  • Special equipment: Special equipment coverage helps protect additional, non-standard equipment installed in a vehicle, such as custom audio systems or wheelchair lifts up to $1,000.
  • Roadside assistance: Bridgers’ 24/7 roadside assistance covers emergency supplies, towing, flat tire assistance, battery assistance, and lockout service.

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Bridger non-standard insurance

Bridger provides auto insurance for high-risk drivers who have:

  • Too many tickets
  • Poor credit history
  • Have DUI or DWI convictions
  • Or are unable to obtain coverage due to age restrictions.

Since a minimum level of auto insurance is required by all states to drive, Bridgers’s non-standard insurance can help you get back on the road regardless of your driving record.

To get this type of coverage with the company, you must either find an agent through their site or contact a customer representative.

You can also check out our review of » LOOK! non-standard auto insurance (for Michigan residents).


Since Bridger does not directly issue or underwrite car policies, they do not display any form of discount on their website. But then, you might be entitled to one if the insurance company you are connected with offers any.

Bridger insurance reviews

Bridger Insurance is not accredited by BBB and was rated 1 out of 5 stars by customers on the website. Since the company is still young and covers only two states, much detail isn’t left about them online, including their rating on AM Best.

How to get a car insurance quote with Bridger Insurance

Bridger helps you find specialized and independent car insurance agents who can provide personalized quotes based on your needs and state requirements.

The downside here is that you can’t get a quote directly from the website, but instead through a broker. However, they provide a tool that can help you find brokers near you by simply providing your location and ZIP.

You can also contact the company at 866-762-7332 for inquiries about a quote.

Bridger Insurance app

Bridger provides a mobile app for policyholders for seamless management of policies. The app can be used to:

  • File and view the status of your claims
  • Make payments
  • Check policy details and insurance ID cards
  • Check policy document
  • Upload documents and photos
  • And also ask for help

The Bridger mobile app is available on the App Store and Google Play.

How to file a claim

Bridger makes this process simple for policyholders and can be carried out online. Simply visit the File a Claim section on their website and provide the necessary and required information to submit your claim.

To make this process faster, you should file claims using the Bridger mobile app.


Bridger is a pretty new carrier in the states it serves, and they are promising to do more with what they offer. However, since Bridger does not provide its own car policies, you could end up having difficulties when submitting a claim because you would be dealing with a different company other than Bridger.

Also, the little reviews left online about the company mean the company still has more to do with no ratings online. In terms of their financial stability – which indicates if they can pay claims, we will assume the company they are matching you with will be a reputable one with strong financial strength.

Nonetheless, if you are still skeptical about whether going for Bridger auto insurance will be worth it, you can try comparing auto insurance quotes from other top national providers.

Frequently Asked Questions (FAQs)

Bridger Insurance claims phone number

While Bridger does not provide a unique and dedicated phone number for claims, you can contact a customer representative through their general inquiry phone number at 866-762-7332 to also submit a claim.

Opening days and hours run from Monday through Friday, from 8:00 a.m. to 5:30 p.m.

Bridger Insurance costs

Details regarding the cost of an auto policy are not available on the Bridger website. This is mainly because the company offers insurance through third-party companies.

Bear in mind that the cost of car insurance is determined using several factors, including your driving profile, age, and coverage limits.

How long does it take to process a claim with Bridger?

This will differ from person to person and case to case, so how fast your claims are met will depend on the complexity of the claim. However, claims with minor issues are generally resolved quickly or within a few days.

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