Acceptance Auto Insurance Review 2023

By Kayda Norman 

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Our Take

2.0

NerdWallet rating 

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.

Acceptance Auto Insurance
NAIC complaints
Far more than expected
Ease of use
Below average
Discounts
Great set of discounts

Pros & Cons

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.

Full Review

Acceptance earned 2 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 15 states. The company also has an agency with 12 partners, allowing you to comparison shop for various insurance products.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance — a company's rating for other products may be different on our site. See our criteria for evaluating 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.

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. In most areas, you can increase your liability limits beyond state-mandated minimums.

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.

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:

  • Being a military member.

  • 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.

  • Owning a home.

  • Paying your bill in full upfront.

  • Discount for affiliations with certain clubs or organizations.

  • Switching car insurance carriers, but staying within the agency (still have an Acceptance insurance agent).  

  • Discount for signing up for a policy online.

  • Getting a quote before your policy expires.

  • Taking a defensive driving course.

  • Meeting Acceptance’s standards for a good driver.

  • Participating in a telematics program that tracks your driving habits (only available through third-party carriers).

  • Earning good grades.

  • Owning a car with anti-theft equipment.

🤓Nerdy Tip

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 directly and through partners. You can buy other insurance products through  third-party partners including:

  • Homeowners 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.

Methodology

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. 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 Acceptance’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.

Frequently asked questions