Acceptance Auto Insurance Review [2024]
Acceptance Auto Insurance stands out as a provider catering to high-risk drivers across 15 states, offering SR-22 filings and a range of coverage options, though customer reviews indicate a higher-than-average complaint rate.
Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 23, 2024
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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: Apr 23, 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 insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Acceptance Insurance
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
C++Complaint Level:
LowPros
- SR-22 filings for people who need them
- Coverage for high-risk drivers who cannot buy coverage elsewhere
- Approval for most applicants
Cons
- A higher-than-average number of customer complaints
- Lack of availability in most states
- Poor customer service reviews
- Questionable financial strength
- Limited coverage options
Does Acceptance handle auto insurance claims well?
Oddly enough, many reviews concerning Acceptance Insurance claims are not written by Acceptance policyholders. Instead, Acceptance insurance claims reviews are written by individuals who were in an accident with someone who had Acceptance as their insurance company. Many people state that Acceptance insurance claims adjusters go days and even weeks without contacting them or letting them know the status of their claim. Overall, communication concerning claims with Acceptance Insurance is difficult and unclear. Customer reviews on the Better Business Bureau (BBB) indicate that many Acceptance policyholders and individuals who were in car accidents with Acceptance policyholders believe the company intentionally delays responses and avoids communication about accidents, claims, and payouts. If you're considering purchasing an Acceptance Insurance policy, read customer reviews from people who have been in accidents with Acceptance policyholders. After doing so, you may want to consider other auto insurance companies.How is the Acceptance customer service department?
Acceptance receives a significant number of customer complaints. As a result, the company received a complaint index score of 4.74 from the NAIC. The median score for the complaint index is 1.0, and Acceptance has almost five times the number of complaints the NAIC would expect for a company of its size. Many customer complaints discuss the company's claims process. Acceptance Insurance does not process its claims promptly, and many Acceptance customers don't believe the company offers helpful responses from claims investigators.Acceptance offers car insurance in 15 states in the U.S. Auto insurance policies with Acceptance include standard coverage options and a few add-ons for customers who want added protection.
Acceptance sells auto insurance products to high-risk drivers who cannot purchase standard car insurance coverage from other companies. Acceptance approves most applications — drivers who need SR-22 insurance or have DUIs and multiple at-fault accidents on their driving records are welcome to apply for coverage.
Unfortunately, Acceptance does not have great ratings and reviews. The company receives far more complaints than the expected number of customer complaints for a company of its size.
Most customer complaints revolve around the company’s claims handling process and customer service department. According to the NAIC, Acceptance customers are not entirely happy with their insurance coverage.
Additionally, Acceptance does not have encouraging financial strength ratings. A.M. Best ranks Acceptance as fair, but many other insurance companies receive excellent and superior financial strength ratings.
If you’re considering purchasing a car insurance policy with Acceptance, you should read customer reviews and consider the company’s financial strength rating before doing so.
It’s just as important to find and compare car insurance quotes from several companies in your area before choosing a provider. Comparing auto insurance quotes online can help you avoid paying too much for your car insurance with Acceptance or any other company.
What You Should Know About Acceptance Insurance
If you’re a high-risk driver looking for affordable auto insurance, you may want to consider Acceptance car insurance. Acceptance auto insurance offers standard coverage options to drivers who cannot purchase a car insurance policy with another company.
Additionally, Acceptance offers SR-22 filings and coverage options to drivers who need it, while many other auto insurance providers are hesitant to insure someone who files an SR-22 with their state.
Unfortunately, Acceptance is only available in 15 states, and the company does not have the best record of financial strength. It also receives more than its fair share of customer complaints, according to the National Association of Insurance Commissioners (NAIC).
As you search for cheap auto insurance, compare Acceptance quotes against other companies. Doing so will help you learn which providers have the coverage you need for your vehicle at a price that works with your budget.
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Acceptance Insurance Coverage Options
Acceptance offers the types of auto insurance coverage you would expect from any car insurance company.
With Acceptance, high-risk drivers can purchase a minimum coverage car insurance policy that may include some or all of the following coverages:
- Bodily injury liability: Bodily injury liability auto insurance protects you if you cause an accident and injure one or more people.
- Property damage liability: Property damage liability protects you if you cause an accident and damage someone else’s vehicle or personal property.
- Personal injury protection (PIP): PIP insurance coverage pays for medical bills and lost wages after a covered loss. PIP insurance may also cover funeral expenses.
- Medical Payments (MedPay): MedPay coverage helps with trips to the hospital and visits to the doctor after a covered accident.
- Uninsured/underinsured motorist insurance coverage: Acceptance will pay for repairs to your vehicle if someone else causes an accident but does not carry proper auto insurance coverage.
While minimum coverage allows you to drive legally in your state, it does not offer the type of protection and peace of mind you may need on the road. Therefore, in addition to the minimum coverage Acceptance offers, drivers can also add the following coverages to their policies to carry full coverage on their vehicles:
- Collision auto insurance: Collision insurance helps if you cause an accident and your vehicle is damaged. With Collision, Acceptance will pay for repairs to your vehicle.
- Comprehensive auto insurance: Comprehensive insurance helps if inclement weather, wild animals, theft, or vandalism damages your vehicle.
Before you purchase a liability-only or minimum coverage policy, determine what your state requires before you can legally drive. Additionally, consider the financial obligation with a minimum coverage policy.
For example, if you have a relatively new car, have a loan or lease on your vehicle, or drive a car with a high actual cash value (ACV), you may want to purchase full coverage for better protection on the road.
Does Acceptance offer full coverage?
Acceptance does offer full auto insurance coverage. A full coverage policy is when you add collision and comprehensive insurance to a minimum coverage policy.
You can purchase an Acceptance full coverage policy for added protection if you cause an accident. With full coverage, you don’t have to worry about paying for repairs to your vehicle if you’re at fault in an accident or if an animal or inclement weather damages your car.
Does Acceptance offer SR-22 coverage?
SR-22 is not a type of car insurance coverage. Instead, an SR-22 is a form you may need to file with your state if you’re a high-risk driver.
High-risk drivers can purchase SR-22 auto insurance coverage with Acceptance. The company offers SR-22 filings for its policyholders when necessary, though policyholders may need to pay a small fee for the service. Additionally, car insurance rates with Acceptance may increase once the company files an SR-22 on your behalf.
Most drivers will not need to file an SR-22 with their state. Still, some high-risk drivers will need an SR-22 as proof of financial responsibility if they are ever in an accident.
Some of the most common reasons you may need to file an SR-22 include:
- One or more at-fault accidents on your driving record
- Multiple traffic tickets on your driving record
- Multiple speeding tickets on your driving record
- A DUI or DWI conviction
- Failure to pay child support
Acceptance offers coverage to high-risk drivers, but it is not the only company to do so. If you need an SR-22, you can check with other insurance companies in your area to see which one offers SR-22 filings with better customer service or financial strength ratings. You can also compare quotes online to find affordable auto insurance for high-risk drivers in your state.
Read more: How a Traffic Ticket Affects Your Auto Insurance Rates
What is TicketProof with Acceptance?
Acceptance offers a program called TicketProof that helps policyholders if they commit to enrolling in defensive driving or driving education courses.
TicketProof reimburses Acceptance policyholders up to $200 for legal fees and $250 for defensive driving or driving education courses. In addition, the company uses the program to reimburse drivers for fees associated with speeding tickets and driving citations.
Does Acceptance offer add-on coverage options?
Acceptance does offer a few add-on car insurance coverage options. Some of the company’s most popular add-on coverages include:
- Rental car reimbursement: Acceptance reimburses you if you have to pay for a rental car because your vehicle is in the shop after a covered event up to a certain dollar amount.
- Roadside assistance: Acceptance’s roadside assistance coverage helps with towing, flat tire repair, battery jump starts, fuel delivery services, and lockout services.
- Rx dd plan: Acceptance’s prescription plan offers 20% savings on all prescriptions regardless of whether the medicine is somehow associated with a covered event.
- Hospital indemnity: If you go to the hospital after a car accident, Acceptance pays for expenses up to $125 each day up to $10,000.
- Accidental death: If you die due to a covered accident, Acceptance will pay your beneficiaries to cover funeral costs and burial.
Other insurance companies often offer more extensive add-on coverage options to policyholders. If you’re interested in customizing your car insurance policy, Acceptance may not be the best car insurance company. Instead, you can find and compare quotes from several companies to learn which offers the types of coverage you want at a price that works with your budget.
Does Acceptance offer other types of insurance?
In addition to car insurance, Acceptance offers the following insurance products:
- Homeowners insurance
- Renters insurance
- Life insurance
- Commercial insurance
- Pet insurance
- Motorcycle insurance
- Hospital indemnity insurance
Third-party insurance providers offer some of the products listed above. You can speak with an Acceptance representative to learn about any insurance types you’re interested in purchasing. In addition, you may be eligible for a discount on car insurance with Acceptance if you buy another type of insurance with the company.
Acceptance Insurance Rates Breakdown
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| Driver Profile | Acceptance | National Average |
|---|---|---|
| Clean Record | $156 | $119 |
| 1+ Ticket | $150 | $147 |
| 1+ Accident | $170 | $173 |
| DUI | $190 | $209 |
| Poor Credit | $268 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
The average cost of auto insurance varies based on several factors. Some of the most important factors insurance companies consider when determining your car insurance rates include:
- Age
- Gender
- Marital status
- Location
- Driving history
- Credit score
- Coverage type
If you’re a high-risk driver, you may find that car insurance rates are more expensive for you than for others.
Most insurance companies will consider you a risk because of your driving record. In some cases, this will mean you pay more for coverage. Still, you could be denied coverage if you have a DUI or DWI on your driving record.
Does Acceptance charge higher rates than other companies?
While Acceptance does not turn down many applicants, the company charges higher-than-average rates because it takes on more risk by accepting its policyholders. Because of this, you may want to choose another company if you have a good driving record and good credit.
On average, rates with Acceptance are around 38% higher than rates with other well-known companies. So even if you’re a high-risk driver, you may find cheaper rates with other insurance companies in your area than with Acceptance car insurance.
How much is Acceptance auto insurance if I have a DUI?
Car insurance companies take DUI convictions very seriously. Therefore, if you have a DUI on your driving record, you can expect to pay much higher rates for car insurance coverage.
Average Monthly Auto Insurance Rates with One DUI
| Company | Average Monthly Rates with Clean Record | Average Monthly Rates with 1 DUI |
|---|---|---|
| Allstate | $318.33 | $521.73 |
| American Family | $224.47 | $360.85 |
| Farmers | $288.38 | $393.23 |
| Geico | $178.83 | $406.32 |
| Liberty Mutual | $397.86 | $634.46 |
| Nationwide | $228.85 | $378.60 |
| Progressive | $282.76 | $330.80 |
| State Farm | $235.10 | $303.07 |
| Travelers | $287.31 | $478.45 |
| USAA | $161.14 | $292.17 |
With Acceptance, you’ll pay around $625 for a minimum coverage six-month policy if you have a DUI. This breaks down to around $104 per month for a liability-only policy. The General charges around $1,00 for the same six-month policy, or $167 each month. Progressive charges around $324 for a six-month policy or $54 each month.
While Acceptance rates for someone with a DUI are higher than average, they are still lower than rates with Liberty Mutual. If you have a DUI, you can expect to pay around $125 per month for coverage.
How much is Acceptance auto insurance for teen drivers?
Teen drivers pay more on average for car insurance than any other demographic because of the inherent risk.
Young drivers are generally less familiar with being behind the wheel, and insurance companies consider this detrimental. To mitigate the risk, many insurance companies charge much higher rates for drivers ages 16-24. Read our guide on how age affects the cost of auto insurance.
Compare teen auto insurance rates in the table below:
Average Monthly Full Coverage Teenage Auto Insurance Rates by Gender
| Insurance Company | 16-Year-Old Male With a Clean Record | 16-Year-Old Female With a Clean Record | 18-Year-Old Male with a Clean Record | 18-Year-Old Female with a Clean Record |
|---|---|---|---|---|
| Allstate | $637.83 | $608.25 | $518.58 | $448.42 |
| American Family | $480.08 | $390.17 | $390.33 | $287.67 |
| Farmers | $741.75 | $777.50 | $603.17 | $573.25 |
| Geico | $311.92 | $297.75 | $253.58 | $219.58 |
| Liberty Mutual | $778.25 | $716 | $632.75 | $527.92 |
| Nationwide | $476.17 | $410.50 | $387.17 | $302.67 |
| Progressive | $813.83 | $801.42 | $661.75 | $590.83 |
| State Farm | $349.25 | $310.83 | $284 | $229.17 |
| Travelers | $896.83 | $708.83 | $729.17 | $522.58 |
| National Average | $609.58 | $557.92 | $495.58 | $411.33 |
With Acceptance, an 18-year-old driver with a clean driving record will pay around $1,095 for a six-month policy, which breaks down to around $183 each month. The General charges around $293 each month, and Progressive charges $266 on average.
Teens may pay the least with Geico. For example, Geico charges an 18-year-old with a clean driving record around $100 monthly. Learn how to find the best auto insurance rates.
Read more: Geico SR-22 Insurance Review
How much is Acceptance auto insurance for adult drivers?
With a clean driving record, you’ll pay the lowest amount for car insurance with any company as an adult.
Average Monthly Auto Insurance Rates with One Speeding Ticket
| Company | Average Rates with Clean Record | Average Rates with 1 Speeding Violation |
|---|---|---|
| Allstate | $318.33 | $373.63 |
| American Family | $224.47 | $252.15 |
| Farmers | $288.38 | $339.92 |
| Geico | $178.83 | $220.45 |
| Liberty Mutual | $397.86 | $475.11 |
| Nationwide | $228.85 | $259.47 |
| Progressive | $282.76 | $333.52 |
| State Farm | $235.10 | $265.50 |
| Travelers | $287.31 | $355.07 |
| USAA | $161.14 | $182.77 |
Acceptance charges individuals with clean driving records around $438 for a six-month policy or $73 each month.
Rates with The General are around $580 for a six-month policy or $97 each month. Progressive charges around $294 for a six-month policy or $49 each month. And rates with Geico for a 30-year-old driver with a clean driving record are around $192 for a six-month policy, or $32 each month.
Acceptance Insurance Discounts Available
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| Discount | Acceptance Auto |
|---|---|
| Anti Theft | 7% |
| Good Student | 10% |
| Low Mileage | 8% |
| Paperless | 5% |
| Safe Driver | 6% |
| Senior Driver | 18% |
Policyholders can take advantage of certain auto insurance discounts with Acceptance. Some of the company’s most common discount options include:
- Military discount
- Multi-car discount
- Multi-policy discount
- Policy renewal discount
- Autopay discount
- Paperless discount
- Homeowner discount
- Paid-in-full discount
- Affiliations discount
- Usage-based coverage discount
- Online policy discount
- Defensive driving discount
- Good driver discount
- Good student discount
- Low-mileage discount
- Safety device discount
Some discounts allow you to save as much as 25% on your auto insurance premium.
Because Acceptance offers several options for car insurance discounts, you may be able to save a good bit of money if you’re eligible for one or more. You can call the company and speak with a representative to see how much you could save.
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How Acceptance Insurance Ranks Among Providers
Acceptance Auto Insurance faces competition from several key players in the insurance industry, each with its unique strengths and market presence. Some of the main competitors include:
- Progressive: Known for its innovative approach, Progressive is a major player in the auto insurance market, offering a wide range of coverage options and competitive rates. The company is particularly popular for its Snapshot program, which rewards safe driving habits.
- Geico: With a significant market share, Geico is well-recognized for its humorous advertising campaigns and competitive pricing. It’s a direct-to-consumer model that appeals to a broad customer base.
- State Farm: As one of the largest insurance providers in the U.S., State Farm has a strong reputation for customer service and a vast network of agents. They offer various insurance products, including auto, home, and life insurance.
- Allstate: Allstate is known for its extensive agent network and diverse insurance offerings. The company emphasizes personalized service and provides a range of discounts to policyholders.
- Nationwide: Nationwide is a well-established insurance company offering auto, home, and life insurance. They are known for their focus on customer relationships and flexible coverage options.
- The General: Similar to Acceptance, The General specializes in providing coverage to high-risk drivers. It competes by offering quick quotes and policies for individuals with less-than-perfect driving records.
- Esurance: As an online-focused insurer, Esurance offers a streamlined digital experience. It often appeals to tech-savvy customers seeking an efficient way to obtain and manage their insurance policies.
These competitors vary in their approaches, strengths, and target markets. Acceptance Auto Insurance distinguishes itself by specifically targeting high-risk drivers and providing SR-22 filings, but it faces the challenge of maintaining competitiveness in rates and customer satisfaction against these well-established industry players.
Frequently Asked Questions
How can I get an auto insurance quote from Acceptance?
Acceptance offers car insurance quotes on its company website or over the phone. You can call 866-480-9107 to get a quote from an Acceptance representative or visit the Acceptance website to fill out forms for an online quote.
Where can I buy Acceptance auto insurance?
Unfortunately, Acceptance is only available in 15 states in the U.S. You can only buy Acceptance auto insurance in Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Missouri, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
How can I file an auto insurance claim with Acceptance?
You can file an Acceptance car insurance claim on the company’s website. You can also call 800-779-2103 to file a claim or email newclaims@acceptanceinsurance.com for assistance. You may have to provide specific information about the incident, and you can expect a follow-up phone call from a company representative even if you filed your claim online.
Does Acceptance have a mobile app?
Acceptance does not have a mobile app for its customers. However, if having a mobile app is important to you, you may want to consider other well-known companies that offer mobile apps for customers to file claims, view the status of claims, find their policy information, and more.
Is Acceptance auto insurance legit?
Acceptance is a legitimate company, though its financial strength and negative customer reviews suggest there’s room for improvement. Still, if you purchase an auto insurance policy with Acceptance, you can drive legally in your state.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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.
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