Acceptance Auto Insurance Review (2022)

Is Acceptance Insurance a Good Choice?

Does Acceptance auto insurance have good ratings and reviews?

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.

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 a 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 Rates

How much is Acceptance car insurance?

Rates with Acceptance insurance tend to be higher than competitors. The table below shows average rates for liability 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.

Still, you never know how much you’ll pay for coverage until you get an Acceptance car insurance quote.

Auto insurance rates depend on several factors 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

Does Acceptance car insurance offer discounts on coverage?

Acceptance offers several auto insurance discounts to its policyholders. Some of the company’s most popular discounts include:

• Military
• Multi-car
• Multi-policy
• Policy renewal
• Autopay
• Paperless
• Homeowner
• Paid-in-full
• Usage-based insurance
• Advance quote
• Online quote
• Defensive driving
• Good student
• Good driver
• Low-mileage

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.

Acceptance Insurance Coverage Options

What car insurance coverages does Acceptance offer?

Acceptance Insurance could work for you if you’re looking for straightforward coverage — it offers fundamental policies for car insurance, including:

• Liability car insurance coverage
• Bodily injury liability
• Uninsured/underinsured motorist coverage
• Personal injury protection (PIP) insurance
• Collision
• Comprehensive
• Medical payments
• 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.

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.

Frequently Asked Questions

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]ptanceinsurance.com 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.