The bottom line:
Acceptance provides coverage for high-risk drivers and can file an SR-22 form if needed. However, it sells policies in only 15 states.
Pros & Cons
- Can file an SR-22 form for drivers who need it.
- Insures drivers who may have trouble finding coverage elsewhere.
- Receives far more than the expected number of auto insurance complaints.
- Not available in all states.
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 15 states. The company also has an agency with 12 partners, allowing you to comparison shop for various insurance products.
» MORE: Best auto insurance companies
Acceptance auto insurance coverage
When you’re shopping for car insurance, it’s important to understand what car insurance coverage you want and what you’re required to buy. Most states require car insurance in order to drive a vehicle. Although minimum coverage requirements vary from state to state, they generally include liability insurance and uninsured or underinsured motorist coverage.
If you want extra protection, you may be interested in full coverage insurance. Full coverage isn’t a specific policy type; it's a combination of coverage types, like liability, collision and comprehensive insurance.
Check out the most common types of car insurance coverage below to see how they work:
What it pays for
Bodily injury and property damage liability
Costs for injuries, deaths or property damage from an accident you caused.
Uninsured or underinsured motorist coverage
Medical and property damage costs after an accident with a driver who has insufficient insurance or none at all.
Repair expenses from traffic-related accidents, regardless of who's at fault.
A car loan or lease may require it.
Repair costs from events outside of your control, including weather events, hitting an animal while driving, theft and vandalism.
A car loan or lease may require it.
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.
» MORE: Compare car insurance rates
Auto insurance discounts
Acceptance’s car insurance discounts include:
Discount for having been insured with your previous company for at least six months.
Homeowner (even if your home isn’t insured by Acceptance).
Discount for paying your bill in full upfront.
Discount for affiliations with certain clubs or organizations.
Discount if you allow the company to use telematics to track your driving habits.
Discount for signing up for a policy online.
Discount for taking a defensive driving course.
Auto insurance buying guide
Before you compare car insurance companies, you’ll need to collect some basic information. This includes the driving history of everyone who will be on the policy, as well as facts about your car, such as safety features and annual mileage driven. You’ll also want to determine which types of coverage you need. For example, do you want only the bare minimum insurance that your state requires, or do you need more extensive coverage, such as gap insurance or rideshare coverage? Check that each company you’re considering has the options you want.
When comparing rates among insurers, make sure each is offering the same coverage limits and deductibles. You may not want to make your decision based on price alone. Look at how many consumer complaints each company has, as a high number of complaints could be a red flag about the quality of service you'll receive.
Depending on which company you choose, you may be able to buy insurance online, over the phone or through an agent. For more guidance, see how to get car insurance.
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 (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 insurance from Acceptance
Other types of insurance available through Acceptance or third-party partners include:
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.
Auto insurance ratings
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.
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.
Frequently asked questions
Acceptance sells insurance in the following states:
You can get a quote through the Acceptance website or by calling 866-480-9107.