Acceptance Auto Insurance Review (2024)
Acceptance car insurance is most well-known for offering non-standard insurance to high-risk drivers. Here’s everything you need to know about Acceptance auto insurance.
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Acceptance Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
BComplaint Level:
LowPros
- Non-standard coverage for high-risk drivers
- Provides coverage options for homeowners, renters, motorcycle, and life insurance.
- SR-22 filings
- Acceptance of most drivers, regardless of driving history
- Full coverage available for specific policyholders.
- Discounts available to policyholders.
- Possibility of bundling insurance coverages for additional savings.
Cons
- Lack of availability in all states
- High coverage rates
- Questionable financial strength
- Limited coverage options
- Many customer complaints
- Lack of mobile app for convenient access to policy information and claims.
Finding auto insurance as a high-risk driver can be difficult. As a high-risk driver, you may look for proper or cheaper coverage with a new company. If that’s the case, consider learning more about Acceptance car insurance.
Acceptance Insurance offers homeowners, renters, motorcycle, and life insurance coverage. However, the company is well-known for its non-standard auto insurance policies catering to those looking for high-risk auto insurance.
What You Should Know About Acceptance Insurance
Acceptance Insurance is a subsidiary of First Acceptance Corporation. First Acceptance Corp. has a B (fair) financial strength rating with A.M. Best with a stable outlook for the future. The company also has an A+ rating with the Better Business Bureau (BBB), though the BBB website lists several customer complaints.
If you’re considering a policy with Acceptance Insurance, you may want to consider its A.M. Best rating and customer complaints before doing so. Still, if you’re a high-risk driver seeking non-standard auto insurance, Acceptance may be a good option.
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Acceptance Customer Service
Acceptance receives negative reviews for its customer service. The company received a complaint index score of 4.74 while the median score is 1. This means Acceptance is almost five times as likely to receive a complaint when compared to other auto insurance companies.
Acceptance policyholders frequently complain about the company’s claims process, the speed at which claims were handled, and the responsiveness of the claims investigators and adjusters.
How does Acceptance handle car insurance claims?
To file an auto insurance claim with Acceptance, you can call the phone number and speak with a company representative. But many customers mention that the claims process is neither smooth nor efficient.
According to some individuals, Acceptance adjusters will take days or even weeks to get back to people about the status of a claim. Such a delay in resolution has made many Acceptance policyholders, and many people who’ve been in car accidents with Acceptance policyholders, upset.
Acceptance Insurance Coverage Options
Acceptance Insurance could work for you if you’re looking for straightforward coverage — it offers fundamental policies for car insurance, including:
- Liability auto insurance coverage
- Bodily injury liability
- Uninsured/underinsured motorist coverage
- Personal injury protection (PIP) insurance
- Collision auto insurance
- Comprehensive auto insurance
- Medical payments coverage
- Roadside assistance
Unlike some companies specializing in non-standard insurance, Acceptance offers full coverage to specific policyholders. However, anyone interested in robust auto insurance policies with customizable possibilities may want to look elsewhere.
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What is non-standard car insurance?
Non-standard car insurance companies offer high-risk insurance, which is typically necessary for high-risk drivers — most non-standard policies get sold to individuals with poor driving records or a history of car accidents.
Some of the everyday situations where a person would need a non-standard car insurance policy include:
- License suspension or revocation
- DUI charge
- DWI charge
- Excessive traffic violations
- Excessive speeding tickets
If you need non-standard coverage, expect to pay higher rates for liability-only policies. Also, while some providers may be willing to offer additional coverage options, other companies may not make collision or comprehensive coverage available.
Unfortunately, only 15 states offer Acceptance. If you don’t live in one of the states in which Acceptance operates, you’ll have to look at other insurance companies for auto insurance. However, if you do, you may want to consider purchasing a car insurance policy with Acceptance.
What other types of insurance does Acceptance offer?
Along with auto insurance, Acceptance offers the following insurance products:
- Homeowners insurance
- Renters insurance
- Life insurance
- Commercial insurance
- Pet insurance
- Motorcycle insurance
- Hospital indemnity insurance
If you choose another insurance product with the company, you may be able to save money by bundling your insurance coverages.
Acceptance Car Insurance: The Bottom Line
Acceptance auto insurance is a good fit for many non-standard drivers. However, if you have a questionable driving record and live in one of the states where Acceptance is available, you should reach out to the company to get a quote for coverage.
If you’re not a high-risk driver, you should look elsewhere to find the best car insurance companies in your area, as you’ll likely find more affordable rates elsewhere.
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Acceptance Insurance Rates Breakdown
Rates with Acceptance insurance tend to be higher than competitors. The table below shows average rates for liability-only auto insurance coverage with other well-known auto insurance providers. Rates with Acceptance insurance may vary slightly depending on other factors, but these numbers should give you an idea.
Auto Insurance Monthly Rates by Driving Record & Provider
Insurance Company | One Ticket | Clean Record | One DUI | One Accident |
---|---|---|---|---|
$195 | $166 | $303 | $237 | |
$131 | $116 | $177 | $167 | |
$139 | $111 | $201 | $175 | |
$176 | $140 | $191 | $199 | |
$217 | $177 | $325 | $237 | |
$145 | $120 | $252 | $165 | |
$143 | $109 | $147 | $190 | |
$102 | $91 | $124 | $107 | |
$148 | $107 | $230 | $157 | |
U.S. Average | $152 | $123 | $218 | $177 |
Still, you never know how much you’ll pay for coverage until you get an Acceptance car insurance quote.
There are many factors that affect auto insurance rates since insurance companies use different information to assess each driver’s accident risk. Some of the most common factors impacting car insurance rates include:
- Age
- Gender
- Marital status
- ZIP code
- Driving history
- Credit score
- Car make and model
- Coverage types
To get an idea of how these factors can affect your auto insurance rates, let’s take a look at comparative rates from some of the top auto insurance companies in the U.S.
Acceptance Insurance Discounts Available
Acceptance offers several auto insurance discounts to its policyholders. Some of the company’s most popular discounts include:
- Military discount
- Multi-car discount
- Multi-policy discount
- Policy renewal discount
- Autopay discount
- Paperless discount
- Homeowner discount
- Paid-in-full discount
- Usage-based insurance discount
- Advance quote discount
- Online quote discount
- Defensive driving discount
- Good student discount
- Good driver discount
- Low-mileage discount
Acceptance automatically applies discounts to policyholders’ accounts if they qualify for savings. Still, you can call and speak with an Acceptance representative to see how much you could save on your car insurance coverage with one or more of the discounts listed above.
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Frequently Asked Questions
How do you get an insurance quote from Acceptance?
To get a quote, you can visit the Acceptance website or call 866-480-9107.
What states offer Acceptance auto insurance?
Acceptance is available in the following states:
- Alabama
- Arizona
- California
- Florida
- Georgia
- Illinois
- Indiana
- Mississippi
- Missouri
- Ohio
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Virginia
How can I file a claim with Acceptance?
Policyholders who need to report a claim can call 800-779-2103 or email [email protected] for assistance.
Does Acceptance have an app?
Acceptance does not have an app to help policyholders file claims, check the status of a claim, or access policy information. Instead, customers will have to speak to a representative with the company for information or assistance.
What is Acceptance Insurance known for?
Acceptance Insurance is well-known for offering non-standard insurance to high-risk drivers.
What is the financial strength rating of Acceptance Insurance?
Acceptance Insurance has a B (fair) financial strength rating with A.M. Best.
How is Acceptance’s customer service rated?
Acceptance receives negative reviews for its customer service, with a complaint index score almost five times higher than the median.
Are Acceptance insurance rates competitive?
Rates with Acceptance insurance tend to be higher than competitors, according to average rate comparisons.
What types of insurance does Acceptance offer?
In addition to auto insurance, Acceptance offers homeowners, renters, motorcycle, and life insurance coverage.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Ansar_El_Muhammad_
In summary I think ACCEPTANCE INSURANCE is One of the Best
Eddie_D
Joke of a company
Tallan06
Agent was very helpful
Reereebryant
Car insurance
Yeshuachristo
Ok but not the best or cheapest.
Brandonr
Satisfied
Fruitycake
Acceptance Ins. denies claims based on adjusters lies.
JR1_Regrets
Bad company don't go with them...
Laywell1987
Best Insurance
Sassyma37
Awesome job