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Acceptance Insurance Reviews

In an in-depth review, our research team gives Acceptance Insurance 3.0 out of 5.0 stars due to mixed customer reviews and mediocre rates.

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09/09/2023 04:07 PM

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As the name implies, Acceptance car insurance takes on even the highest-risk drivers. While this benefits those who struggle to gain coverage from bigger-name options, it comes with some downsides as well.

When reviewing the nation’s best car insurance companies, we found that Acceptance auto insurance has above-average rates, mixed customer reviews, and shaky financial health. We recommend comparing free quotes from several top-performing providers to find the best choice for your needs.

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Acceptance Insurance Review

High-risk drivers in need of nonstandard insurance policies may find that the benefits of an Acceptance car insurance plan are a good fit for their needs. For most others, another provider may be a better choice. From higher average costs to low claims satisfaction, Acceptance auto insurance may not offer the peace of mind of a stronger insurance company. 

Acceptance Insurance Rating

Our team gives Acceptance car insurance 3.0 out of 5.0 stars due to mixed customer reviews, mediocre rates, and limited availability. The overall rating score for Acceptance insurance of  3.0 was aggregated using our four core metrics that our reviews team uses to evaluate insurance providers. We rated its performance through the four areas of cost, coverage, reliability, and service:

Reviews Category Rating Score
Cost 3.4
Coverage 2.5
Reliability 3.3
Service 4.1
Overall Rating 3.3

About First Acceptance Insurance

Founded: 1969
Parent company: First Acceptance Insurance Company
States available: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia
AM Best financial strength rating: B
Insurance types: Auto, motorcycle, home, renters, life, travel, hospital indemnity

First Acceptance Insurance is a Nashville, Tennessee-based company offering plans to drivers often rejected by bigger-name providers. It offers auto insurance policies to drivers in 17 states and tends to provide a good value to high-risk drivers. Acceptance only holds a B rating from AM Best for financial strength, however, which means it may be less likely to be able to cover damages than some top providers.

Acceptance Car Insurance

Acceptance provides high-risk car insurance policies that are available in only 17 states. If you have poor credit or a poor driving record Acceptance has many coverage options that are offered through their 12 partners across the United States. Below we will go into more detail about Acceptance auto insurance coverage, cost, and discounts available with the company.

Acceptance Car Insurance Coverage

At Acceptance Insurance, all plans come standard with liability coverage. There’s also the option for additional coverages, such as personal injury protection and comprehensive insurance. Each state’s minimum insurance requirements vary, though it’s generally better to exceed these requirements and maintain more expansive coverage.

Liability Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.
Collision Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or in the case that you flip your vehicle.
Comprehensive Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.
Medical Payments Medical payments (MedPay) covers medical bills for you and your passengers after an accident.
Personal Injury Protection Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses, such as lost wages.
Uninsured/Underinsured Motorist Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.
Roadside Assistance Roadside assistance ensures that you’ll get help if your car breaks down mid-trip.
Towing Coverage Towing coverage takes care of the costs of having your car towed after a breakdown.
Rental Car Reimbursement Rental car reimbursement pays for your transportation needs while your car is in the shop for repairs.

Acceptance auto insurance plans often specialize in covering high-risk drivers, so those with spotty records may find it to be a compelling option. The company has specific resources for those with bad credit, motorists who need nonstandard or high-risk plans, drivers with court-ordered SR-22 insurance, and teen drivers.

While Acceptance auto insurance may not have the cheapest car insurance rates, coverage for these high-risk groups is difficult to come by. That makes Acceptance stand out for certain customers, though they can expect to pay higher-than-average prices.

Acceptance Car Insurance Cost

While Acceptance car insurance is far from the cheapest option around, it provides strong value for high-risk drivers. There are countless nonstandard Acceptance auto insurance policies that cover those who would likely be rejected by other providers.

Nonstandard car insurance generally comes at a steep rate, so don’t expect a discounted Acceptance auto insurance plan. However, the accessibility of the provider’s plans to high-risk drivers is a benefit worth the cost to many customers. If you’ve already been rejected by industry leaders before, Acceptance auto insurance may be a good option.

No matter your provider, certain factors have a significant impact on how much car insurance is. Some of the greatest indicators can be found below:

  • Location: Average premiums vary by state due to different car insurance standards, crime statistics, and rates of uninsured drivers. Generally speaking, urban drivers will pay higher rates than those who live in the countryside.
  • Age and gender: Young male drivers tend to have higher average car insurance rates. Costs usually come down as motorists get older and gain more experience.
  • Marital status: Married drivers account for fewer accidents than single drivers, so they often receive lower prices.
  • Credit score: The lower your credit score, the higher your automobile insurance rate will likely be.
  • Driving history: If you have a history of car accidents or DUIs, expect to pay significantly higher car insurance premiums than most. Acceptance auto insurance specializes in drivers with poor driving histories, so you’ll likely still get coverage.
  • Vehicle type: If your car is new, commonly targeted for car break-ins, or rated negatively for safety, expect to pay more for car insurance.

Acceptance Car Insurance Discounts

While Acceptance car insurance discounts can be difficult to find on the company’s website, we found savings opportunities for safe drivers, students with good grades, and loyal customers. Make sure to ask your local insurance agent if extra discounts are available before purchasing a plan. An excellent way to save on Acceptance auto insurance is by bundling homeowners insurance with your auto insurance policy. Your rate will be lower if these two plans are covered by the same provider.

Acceptance Insurance Reviews

Better Business Bureau (BBB) rating: A+
BBB complaints in last three years: 83

Acceptance  Insurance has received mixed reviews from customers about their services. While the company has a 1.1-star average score out of 5 from just over 20 customers on the BBB website, nearly 500 customers give Acceptance auto insurance an average of 4.3 stars out of 5.0 on Google Reviews.

Here are a few positive and negative opinions about Acceptance Insurance from recent policyholders:

Positive Acceptance Insurance Reviews

Satisfied Acceptance auto insurance customers often praise the company’s pleasant customer service representatives and often competitive pricing for high-risk drivers.

“Every experience I’ve had since I joined has been extremely pleasant. Every agent I’ve spoken with so far was really kind, patient, and helpful.”
– Saundra M. via Google Reviews

“Great, quick customer support. Representative was awesome and answered all my questions promptly. Their prices are also not bad for a 20 year old.”
– James D. via Google Reviews

Negative Acceptance Insurance Reviews

Acceptance insurance receives dozens of negative reviews about claims after an accident.

“Their client was at fault in a wreck. They will not call me back or return my requests for information as to repairs of my vehicle. I have left messages and emails and no one will help me.”
– Markeita S. via BBB

“Just terrible customer service. They don’t respond back to customers. Claim adjusters do not return calls. Customer service agents are rude. It’s like they are doing someone a favor.”
– Rachel K. via Google Reviews

Acceptance Insurance: Other Coverage Options

Other than car insurance Acceptance offers many other coverage policies through its third-party partners which include:

  • Homeowners Insurance
  • Renters Insurance
  • Life Insurance
  • Commercial Insurance
  • Pet Insurance
  • Motorcycle Insurance
  • Hospital Indemnity Insurance
  • Travel Insurance

Acceptance Auto Insurance Reviews: Conclusion

If you’ve been rejected by multiple providers, Acceptance auto insurance might be a good choice for you. Otherwise, you can expect higher rates and mixed customer service experiences when you take out an Acceptance car insurance policy. Many providers offer higher customer service standards than Acceptance at cheaper average rates. It’s best to get car insurance quotes from multiple providers to compare the cost and coverage options available to you.

Acceptance Car Insurance Compeititors: Top Picks

While Acceptance may offer many car insurance options for high-risk drivers competitors outperform their services. We’ve reviewed the best car insurance companies and have found that Progressive and State Farm provide better coverage, prices, and benefits to high-risk customers.

Progressive: Best Usage-Based Insurance

In our Progressive insurance review, the auto insurer stood out as the top choice for high-risk drivers. While many providers reject people with somewhat questionable driving records, Progressive takes them on and offers great coverage. The company also holds an A+ rating from AM Best for financial strength, so you can trust in its ability to reliably pay out claims.

Usage-based insurance is a method Progressive uses to keep costs low for customers. Through its Snapshot program, the provider charges based on how often people use their cars instead of setting a flat monthly rate. This can keep prices low for customers–even for those with a poor driving history.

State Farm: Best For Student Drivers

Like it or not, students are high-risk drivers and pay the price when it comes to coverage costs. While rates are never cheap for young motorists, State Farm provides students with quality plans at relatively affordable prices.

In our State Farm insurance review, we found a long list of available discounts. Students in particular can take advantage of the following savings:

  • Accident-free discount
  • Defensive driving course discount
  • Good student discount
  • Good driving discount
  • Driver training discount
  • Student away at school discount

From an above-average customer satisfaction score in the J.D. Power 2021 U.S. Auto Insurance StudySM to an A++ rating for financial health from AM Best, State Farm provides exceptional value to its customers, no matter their age.

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First Acceptance Insurance Reviews: FAQ

What type of insurance is Acceptance Insurance?

Acceptance Insurance offers policies for auto, motorcycle, home, renters, travel, hospital indemnity, and life insurance. When these plans are bundled, customers can find significant savings.

Does Acceptance auto insurance have a grace period?

Don’t expect a grace period from Acceptance if you’re late on your payments. There are no mentions of a grace period on the company’s website, so make sure to pay your monthly premium on time.

What is an Acceptance auto insurance policy?

An Acceptance auto insurance policy comes with standard liability insurance, as required by law. The company’s plans may be good options for high-risk drivers in need of insurance.

Does Acceptance have an auto insurance app?

Acceptance does not have an auto insurance app and policyholders must either call the company, head to its website or visit a brick-and-mortar insurance agency to manage their plans. Many of the best car insurance providers use well-equipped apps to meet customers’ insurance needs, so it’s disappointing to see that Acceptance auto insurance doesn’t offer this benefit.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

*Data accurate at time of publication.