Get free quote in-app


Acceptance Car Insurance Review

The better Way to shop for Acceptance car insurance

√ Free quotes from 200+ carriers in seconds

√ Lowest rate guaranteed

√ Up to $971 savings per year on average

4.9/5 Rating on the App Store



If you have been categorized as a high-risk driver and can't get a good quote from another insurance company, you may want to look into Acceptance auto insurance. 

Pros and Cons

Pros Cons
Excellent customer satisfaction rating. Not available in all states.

Acceptance Auto Insurance Coverages

It is possible to get state-minimum coverage alternatives with Acceptance auto insurance in your state. Acceptance is a full-service insurance company, providing following insurance policy coverages. 

  • Liability coverage
  • Collision coverage
  • Comprehensive coverage
  • Medical payments (MedPay)
  • Personal injury protection (PIP)
  • Uninsured/underinsurance motorist coverage
  • Roadside assistance
  • SR-22 forms
  • Non-owner insurance
  • Rental car reimbursement

TicketProof - If you get a ticket for something like running a stop sign or going 15 mph over the speed limit or less, Acceptance will pay up to $650 per year to cover the fine and some legal fees. Roadside assistance is also part of TicketProof, so you wouldn't have to buy it separately. This is an unusual kind of insurance coverage that not many other companies offer. Extra cost: $15 per month.

Rx Discount Plan- You get a 20% discount on all prescription drugs with this coverage. No matter if the prescription is for an injury from a car accident or not, you can still use the discount. It can be used for any kind of medicine. This is sometimes part of a health insurance plan, but car insurance companies don't usually offer it. Extra cost: $3 per month.

Hospital Indemnity- If you end up in the hospital because of a car accident, Acceptance's hospital indemnity coverage will pay up to $125 per day for your bills. This also includes coverage for accidental death or limb loss of up to $10,000, extra medical payments of up to $1,000, and the Rx Discount Plan that was explained above. Hospital Indemnity is sometimes an add-on to a health insurance plan, but it is not usually offered by car insurance companies. Extra cost: $8 per month.

Accidental Death- You can choose whether or not to give a certain amount to a beneficiary if a driver on your policy dies in an accident. This is sometimes an add-on to health or life insurance, but it is not something that most car insurance companies offer. It's also the same coverage that hospital indemnity coverage gives. Extra cost: $10 per month.

To understand more, check out types of auto insurance coverage in the US.

See what you could save on auto insurance

Acceptance Auto Insurance - Available States.

Insurance Availability by States
Alabama Indiana Pennsylvania
Arizona Mississippi South Carolina
California Missouri Tennessee
Florida Nevada Texas
Georgia New Mexico Virginia
Illinois Ohio  

Acceptance Auto Insurance Rates

Category Annual Average Rate
30-year-old with DUI, Requires SR 22 $1,260
30-year-old with clean record $896
18-year-old with clean record $2,113

Acceptance Auto Insurance Discounts

  • Military
  • Multicar
  • Multipolicy
  • Policy renewal
  • Autopay
  • Paperless
  • Discount for having been insured with your previous company for at least six months
  • 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
  • In-agency
  • Discount for signing up for a policy online
  • Advance quote
  • Discount for taking a defensive driving course
  • Good driver
  • Good student
  • Vehicle equipment
  • Low-mileage

Acceptance Complaints and Customer Satisfaction

Scores are given to insurance companies based on how they handle customer complaints. J.D. Power, AM Best, the Better Business Bureau (BBB), and the National Association of Insurance Commissioners (NAIC) are all sources you can trust.

The NAIC didn't have any complaints about Auto Insurance. But they got an A+ rating from the Better Business Bureau (BBB) and an A- rating from AM Best, which means that people in general are happy with them and that they are financially stable.

A company's success depends on how happy its customers are, and auto insurance companies are especially vulnerable to the effects of bad customer feedback. Companies get grades from groups like the BBB based on how well they handle customer complaints.

Acceptance Auto Insurance has an A+ rating with the Better Business Bureau, but only one star for customer satisfaction. This means that customers aren't happy with how they handle complaints, which are mostly about the products and services.

See what you could save on auto insurance

Way Summary

Drivers with a high risk who have trouble getting standard auto insurance from other companies might want to get a quote from Acceptance. Not all insurance companies offer SR-22 certificates and non-owner insurance, but this company does. Acceptance also offers many discounts that, if they apply to you, could help lower your insurance rates.

But high-risk drivers might be able to find cheaper car insurance rates with a different company. High-risk auto insurance can be expensive, and drivers with a good driving record and a good insurance-based credit score who compare quotes from Acceptance and other major or super-regional insurers to find the cheapest auto insurance premium may find that rates vary a lot between these insurers. Overall, Acceptance auto insurance is a good option.

About Acceptance Car Insurance

Acceptance Insurance started in 1979, and its main office is in Nashville, Tennessee. The business is run by First Acceptance Insurance, which is a subsidiary of the company. Today, Acceptance has more than 700 insurance agents and sells auto, home, and life insurance in 17 states. Acceptance also works with a network of insurance companies to help people who work hard find the best rate.

Acceptance is one of the few insurance companies that specialises in non-standard auto insurance, also called high-risk auto insurance. If you have trouble getting car insurance because you have bad credit (which shows up in your insurance-based credit score), a history of claims, or a bad driving record, Acceptance could be a good option for you to look into. Even if you don't have bad credit or points on your driving record, the following coverages can help you get the most out of your car insurance and protect you financially.

Contact details

  • Claim Phone Number - 800-779-2103

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions

What type of insurance is Acceptance Insurance?

Acceptance insurance is one of the best places to get car insurance and other related products, like renters' insurance and extra plans. You can buy auto insurance, renters insurance, home insurance, life insurance, and other kinds of insurance from Acceptance. The company focuses on high-risk people, so even if you have a bad driving record or bad credit, you are likely to get coverage. 

Does Acceptance car insurance have a grace period?

On its website, Acceptance Insurance does not say anything about a grace period. The BBB reviews say the same thing, and there is no mention of drivers using payment grace periods. 

Is Acceptance a good insurer?

Acceptance Insurance is almost a good insurer because its monthly costs are higher than average, even for high-risk drivers, which is what the company specializes in.  

Is Acceptance a good insurer after an accident?

Acceptance Insurance is more likely than some other insurers to cover you after an accident or other event, like getting a ticket. But compared to mainstream insurance companies, its rates are always higher. 

Learn more by city and state for car insurance

Learn more by city and state for car insurance

Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!


app store
google play