NerdWallet's take on Acceptance auto insurance
Acceptance is a legitimate company, but it’s an agency, not an insurance carrier. This means that instead of buying an Acceptance car insurance policy, you would use Acceptance to find coverage from one of the insurance companies that it partners with.
Acceptance specializes in working with drivers who might be considered “high risk” by insurers. If you’ve had multiple accidents, a lapse in your insurance coverage or serious driving violations, Acceptance could make it easier for you to find high-risk and non-stardard car insurance companies that you can afford.
Pros
- Can help drivers find companies that will file an SR22 for them.
- Shows rates from multiple companies.
- Could make it easier for high-risk or non-standard drivers to find car insurance.
Cons
- Some of Acceptance’s partners may receive far more complaints than expected for their size.
- Not available in all states.
- May miss out on seeing rates from companies that don’t partner with Acceptance.
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How does Acceptance car insurance work?
When you request a quote from Acceptance, you’ll give your name, contact information and details about your car. Once you see estimates from a few insurance companies, you can decide whether to buy coverage from one of the insurers listed and get a final quote. Depending on the company, you may have to speak with an agent.
One benefit of working with Acceptance if you’re not sure what coverage you need is the ability to talk with agents about questions you have. In many states, agents are paid commissions from the insurance companies and not directly by customers — though in some states agents may charge other fees.
If you’d rather not get insurance through an agency, you could collect quotes on your own. This could help you see rates from a wider range of companies. You can get quotes from multiple insurance companies by using a quote comparison tool, like the one that NerdWallet offers.
Shopping around for a policy can help even high-risk drivers find cheap car insurance. Insurance companies don’t calculate rates in the same way. Because of this, one insurer may quote a driver with a recent accident rates that are hundreds or even thousands of dollars per year higher than another insurer.
Acceptance car insurance coverage
The type of car insurance coverage and discounts that you can get through Acceptance depend on the insurer that you ultimately buy coverage from. When you request a quote from Acceptance, you may see rates from companies such as First Acceptance, as well as:
Acceptance can also help you find insurance companies that will file an SR22 form for you. An SR22 isn’t a type of insurance. Instead, an SR22 is an official document proving to your state that you have insurance. An SR22 could be necessary after a DUI or serious driving violation.
It’s a good idea to pay attention to the financial strength and complaint ratio of any company you’re thinking about buying car insurance from. Some of Acceptance’s partners have solid financial strength and get relatively few complaints compared to their size, but this might not always be the case.
The minimum amount of insurance states require to drive is the cheapest that you can get, but we recommend getting more coverage if you can afford it. Minimum coverage could leave you without enough insurance to pay for the damage caused by a serious accident.
More information about Acceptance auto insurance
Customer service: You can reach Acceptance’s customer service line by calling 866‑566‑0530, or by emailing customercare@confie.com.
Website: You can easily get a quote and pay your car insurance bills on the Acceptance website. It also has plenty of general information about types of insurance coverage, discounts and answers to all kinds of common insurance questions.
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
Where does Acceptance offer car insurance?
Where does Acceptance offer car insurance?
Acceptance sells insurance in the following states: Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Mississippi, Ohio, Pennsylvania, South Carolina, Tennessee and Texas.
How can you get a quote from Acceptance?
How can you get a quote from Acceptance?
You can get a quote by calling 877-405-7102 or visiting the Acceptance website.
How do you file a claim with Acceptance?
How do you file a claim with Acceptance?
You can report a claim by contacting the insurer that issued your policy.
Is Acceptance the same thing as First Acceptance?
Is Acceptance the same thing as First Acceptance?
Not exactly. First Acceptance is an insurance carrier that underwrites some of the policies that Acceptance offers. Acceptance is an agency that was sold by First Acceptance to Confie, a personal insurance lines agency, in 2023.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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 and full ratings methodology for auto insurance.
Average rates methodology
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for drivers of the following ages: 20, 30, 35, 40, 50, 60 and 70.
Auto insurance survey methodology
The opt-in survey of 7,503 U.S. adults ages 18 and older was conducted online by Russell Research on behalf of NerdWallet in June and July 2024. Respondents were asked to rate one auto insurance brand they obtained or renewed a policy within the past 12 months, with at least some changes to the original policy. These brands were rated on overall satisfaction, overall value, online experience, trustworthiness, mobile app experience, claims experience and customer support on a scale of 1-100.
Only brands with 100 or more qualifying respondents are reported. Of those respondents: 300 were State Farm customers, 300 were Progressive customers, 300 were Allstate customers, 300 were GEICO customers, 100 were USAA customers, 157 were AAA customers, 100 were Liberty Mutual customers, 100 were American Family customers, 100 were Farmers customers, 100 were Travelers customers and 101 were Nationwide customers.
