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Acceptance Auto Insurance Review 2024
Lead Writer | Auto insurance
Drew Gula is a NerdWallet authority on auto insurance. He previously worked as the senior content editor at Soundstripe and as the senior writer in Liberty University's marketing department. Drew is also a published author. He is based in Nashville, Tenn.
Assistant Assigning Editor | Auto insurance
Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
Acceptance
1.5
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Can file an SR-22 form for drivers who need it.
- Insures drivers who may have trouble finding coverage elsewhere.
Cons
- Receives far more than the expected number of auto insurance complaints.
- Not available in all states.
Acceptance
1.5
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
NAIC complaintsRatings 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Pros
- Can file an SR-22 form for drivers who need it.
- Insures drivers who may have trouble finding coverage elsewhere.
Cons
- Receives far more than the expected number of auto insurance complaints.
- Not available in all states.
Acceptance earned 1.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
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 13 states. The company also has an agency that allows you to shop for various insurance products by comparing rates from partner companies. Acceptance was acquired by Confie in December 2023. It will continue to sell policies under the Acceptance brand.
» MORE: Best auto insurance companies
In our auto insurance reviews, our editorial team considers both the customer and the insurer. These are some of the factors we take into account:
Financial strength. We use A.M. 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 both the kind of discounts a company offers and the total number of discounts available.
Compare to other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 1.5 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 4.0 /5 | NerdWallet rating NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. 2.5 /5 |
Complaints to NAIC 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far more than expected | Complaints to NAIC 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. More than expected | Complaints to NAIC 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Far more than expected |
Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average | Ease of use Ratings are determined by our editorial team. Our "ease of use" category looks at factors such as website transparency and how easy it is to file a claim. Above average |
Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts | Discounts Ratings are based on the number of discounts a company offers in comparison to other insurers. Great set of discounts |
Bottom line Acceptance provides coverage for high-risk drivers and can file an SR-22 form if needed. However, it sells policies in only 13 states. | Bottom line Dairyland specializes in high-risk drivers, but with more complaints than expected, you may find better coverage elsewhere. | Bottom line Infinity caters to high-risk drivers, although availability is unclear. |
Acceptance auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
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.
TicketProof program. This 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.
Hospital indemnity plan. This coverage helps you with expenses you may have after you are injured in a car accident including paying for a nurse, ambulance, deductibles and co-payments.
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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.» MORE: Compare auto insurance rates
Auto insurance discounts
Acceptance offers a wide variety of discounts, but not all are available in every state or from every company Acceptance represents. Depending on the policy, you may be able to save on your car insurance by:
Insuring more than one vehicle.
Buying more than one insurance product from Acceptance.
Renewing your auto insurance policy.
Setting up automatic payments.
Receiving paperwork electronically.
Being insured with your previous company for at least six months.
Taking a defensive driving course.
Meeting Acceptance’s standards for a good driver.
Earning good grades.
Owning a car with anti-theft equipment.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Complaints
Acceptance had far more than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
More about Acceptance auto 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. 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 insurance from Acceptance
Acceptance also sells renters and life insurance through partners. You can buy other insurance products through third-party partners including:
Homeowners insurance.
Commercial auto 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.
Acceptance sells insurance in the following states:
Alabama.
Arizona.
California.
Florida.
Georgia.
Illinois.
Indiana.
Mississippi.
Ohio.
Pennsylvania.
South Carolina.
Tennessee.
Texas.
You can get a quote through the phone or the Acceptance website.
You can report a claim by contacting the insurer that issued your policy.
Acceptance sells insurance in the following states:
Alabama.
Arizona.
California.
Florida.
Georgia.
Illinois.
Indiana.
Mississippi.
Ohio.
Pennsylvania.
South Carolina.
Tennessee.
Texas.
You can get a quote through the phone or the Acceptance website.
You can report a claim by contacting the insurer that issued your policy.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. 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.
In this review . . .