Acceptance Insurance at a glance
- Operates in 17 states.
- Primarily serves drivers seeking high-risk or other nonstandard auto insurance.
- Has a far higher rate of customer complaints than other auto insurers of similar size.
If you have poor credit or a checkered driving history, you may be considered a high-risk driver and have trouble finding affordable coverage through mainstream insurers. Acceptance Insurance sells high-risk auto insurance policies to such drivers in 17 states. The company also has an agency with 12 partners, allowing you to comparison shop for various insurance products.
Acceptance auto insurance
Acceptance auto insurance earned 3.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula looks at factors like account pricing and discounts, website transparency, financial strength, ease of filing a claim, complaint data from the National Association of Insurance Commissioners and more.
» MORE: Compare car insurance rates
Acceptance doesn’t provide many bells and whistles when it comes to auto insurance, with standard offerings such as comprehensive, collision, uninsured motorist, rental car and roadside assistance coverage. In most areas, you can increase your liability limits beyond state-mandated minimums.
The company’s “TicketProof” program reimburses drivers for costs associated with speeding tickets and other traffic citations, including $200 toward legal fees, $100 per paid citation (up to two a year) and $250 toward court-ordered defensive driving school.
SR-22 form: Acceptance will file an SR-22 form if you need one to prove that you have sufficient auto insurance. States may require this form (or an FR-44 in Florida and Virginia) for people who’ve had a DUI conviction, been caught driving without insurance or committed other serious traffic offenses.
Acceptance sells auto insurance in the following states:
Acceptance’s car insurance discounts include:
- Policy renewal.
- Having been insured with your previous company for at least six months.
- Homeowner (even if your home isn’t insured by Acceptance).
- For paying your bill in full upfront.
- For affiliations with certain clubs or organizations.
- Use discount if you allow the company to use telematics to track your driving habits.
- For signing up for a policy online.
- Advance quote.
- For taking a defensive driving course.
- Good driver.
- Good student.
- Vehicle equipment.
Acceptance Insurance complaints and customer satisfaction
Acceptance had far more than the expected number of auto insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Acceptance Insurance
Website: You can easily get a quote and pay your bill on the Acceptance website, and there’s plenty of general information about common types of insurance coverage (liability, comprehensive, collision and the like). However, specifics about which discounts and optional coverage options Acceptance offers are lacking.
Acceptance doesn’t have a mobile app, but its website is optimized for use on phones and most other devices.
|Other types of insurance from Acceptance (sold through partners) include:|
|Homeowners insurance||Renters insurance|
|Life insurance||Commercial insurance|
|Pet insurance||Motorcycle insurance|
|Hospital indemnity insurance|
Acceptance also works with a partner to sell a limited type of travel insurance that covers your vehicle if you drive it into Mexico, and a subscription to TeleMed for access to virtual doctor’s appointments, plus a discount card to use at pharmacies.
Recap: Acceptance pros and cons
|Can file an SR-22 form for drivers who need it||Receives far more than the expected number of auto insurance complaints|
|Insures drivers who may have trouble finding coverage elsewhere|