Acceptance Insurance Review

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:

• Military.
• Multicar.
• Multipolicy.
• Policy renewal.
• Autopay.
• Paperless.
• 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.
• In-agency.
• For signing up for a policy online.
• Advance quote.
• For taking a defensive driving course.
• Good driver.
• Good student.
• Vehicle equipment.
• Low-mileage.

» MORE: Car insurance quotes: What you need to know

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.

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

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Methodology: Insurer complaints

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.