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Acuity Car Insurance Review

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Acuity Insurance was founded in 1925 and has decades of expertise in providing great insurance plans and services to businesses and people. Sheboygan, Wisconsin, is the company's headquarters. Because of its history and size, Acuity Insurance has earned a reputation for being a remarkably reliable corporation. While coverage isn't available in every state, the carrier works with over 1,000 independent agencies across the country. According to the company's official website, the company now has over $4 billion in insurance policies in force.

Pros and Cons

Pros Cons
Offers quick response to customers The availability of Acuity Insurance is limited to 21 states.
Ensures the best customer satisfaction  
Is an experienced provider of auto insurance  
Provides lots of extra coverage  
They have got a lot of independent agents  

Unique Features

  • Service is available 24 hours a day, seven days
  • Roadside assistance is available
  • Upgraded towing and substitution coverage
  • Discounts for combining policies

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Acuity offers a wide variety of coverages to its customers

Liability coverage: The most significant aspect of your vehicle insurance policy is liability coverage. If you cause an accident and are at fault, your liability insurance pays for the damage you do to someone else's automobile and their medical bills if they are injured.

Personal Injury Protection (PIP): If you or a member of your family is hurt while driving or walking, this insurance will pay for your medical bills and burial expenses. It also includes missed pay if you are unable to work due to an injury.

Uninsured/underinsured motorist coverage: If you're in an accident caused by a driver who doesn't have insurance or whose insurance isn't enough to cover the extent of the damage, this coverage kicks in.

Collision coverage: Covers damage to your own car as a result of a collision, regardless of who was at fault.

Comprehensive coverage: Coverage is extensive. Covers damage to your own vehicle caused by harsh weather, fire, vandalism, theft, fire, flood, and falling items while it is not being driven.


Additional Coverages

Vehicle replacement coverage: If your car is totaled, this will cover the cost of a replacement car of the same or similar model. This policy will pay out 25% more than the value of your automobile if you have an older vehicle.

Full safety glass: It will cover the cost of repairing or replacing your windshield or windows without requiring you to pay a deductible.

Personal auto enhancements: An optional endorsement that combines a variety of additional coverages, such as personal property replacement, lock replacement, airbag replacement, and reimbursement for travel expenses if you require food and housing following an accident.

Expenses for temporary transportation: While your automobile is being repaired, it covers the price of your transportation, such as rental, ridesharing, or cab.

Rates by state

State Average Annual Premium
Pennsylvania $3702
Kansas $1998
Utah $2958
North Dakota $1764
Oregon $2130
Colorado $3942
Montana $2082
Iowa $2346
Arizona $2886
Texas $3436
Wyoming $3984
New Mexico $4302
Georgia $3330
Nevada $6066
Minnesota $2382
Tennessee $2238
Ohio $2358
Virginia $2250
Vermont $1410
Indiana $2430
South Dakota $2814
Missouri $2250
Maine $2778
Illinois $2886
Idaho $1458
Wisconsin $2130


Acuity offers policyholders who bundle their auto insurance with another product, such as a boat or house insurance, a multi-policy discount of up to 20%. That compares favorably to large national insurers' package discounts.

Other benefits are available to policyholders who bundle their home and car coverages. Customers with Acuity can have one high coverage level and one deductible, lowering their out-of-pocket costs.

When you combine your home and auto insurance, you also get replacement cost coverage for your home and personal items. If you don't own a home, you can save money by bundling additional types of insurance with your auto insurance, such as renters or boat insurance.

Acuity also offers the following discounts:

  • Multi-car
  • Good student
  • Graduate student
  • Incident-free
  • Accident prevention course
  • Safety features installed in cars, such as automatic braking and rear cameras
Type of discount Maximum discount offered
Multi-car discount 10-15%
Good student discount Up to 15%
Graduate student discount Varies
Accident prevention course 5-20%
Bundling discounts 20%
Responsible driver discounts 20%+
Safety features discount Varies

Customer Satisfaction and Feedback

With quick phone responses, 24/7 claims, and local agents, Acuity sets the bar high for customer service. While the coverage selections are conventional, the company offers helpful incentives as add-ons. Summary

Acuity Insurance is the United States' 56th largest insurer. Instead of selling insurance directly, they rely on independent agents. The company employs around 1,500 individuals and operates in 29 states. It earns over $1.5 billion in revenue through over 1,000 independent agencies, manages over $5.5 billion in assets, and employs over $1.5 billion in revenue. Acuity was selected to Forbes' America's Greatest Midsize Employers list in 2021.

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About Acuity

The Acuity Group's subsidiary Acuity, A Mutual Insurance Company, sells property and casualty insurance. President and CEO Benjamin Michael Salzmann owns the corporation, which is a private company. The headquarters of Acuity Insurance is located at 2800 South Taylor Drive in Sheboygan, Wisconsin.


The Mutual Auto Insurance Company of the Town of Herman was founded in 1925 by a group of farmers and small-town businessmen from Sheboygan County. The company was established at a period when direct writers, mutual companies that offered insurance to farmers and others in specific agricultural enterprises, and personal automobile ownership were all on the upswing. The following year, in 1926, William J. Prietzel became the company's first president and CEO, a post he would hold for 33 years.

For the corporation, the 1950s would be a decade of many changes. In 1953, the company was renamed Mutual Auto of Wisconsin for the first time.  This moniker would only be used for a short period of time.

From 1969 through 1999, Holden was the company's President and CEO. Holden resigned from the presidency in August 1999. Ben Salzmann, the company's current Vice President of Technology, was named president and CEO. In 2001, the company changed its name to Acuity Insurance. Acuity has been nominated to Forbes' Best Midsize Employers list in 2022.

Charitable Causes

The Covid-19 problem struck the United States in 2020. Acuity remained open and running when the nationwide Stay-at-Home order was issued in March 2020. This was due in part to the company's approach to remote work technologies and procedures, as well as employee flex hour choices. Acuity functions on a work-from-home basis in 2020 and 2021, providing its staff with the appropriate equipment, gift cards, and other gifts.

Acuity garnered widespread acclaim for its management of the Covid-19 problem, with Ben Salzmann named the 8th Best CEO in the United States at the time of the epidemic.

During Covid-19, employees rated Acuity as the top firm for work-life balance.

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


How many states is Acuity Insurance in?

Acuity is trusted to secure over 125,000 businesses, including 300,000 commercial vehicles, as well as over 500,000 residences and automobiles throughout 30 states.

Is acuity a good insurance company?

A.M. Best also gave Acuity an A+ Financial Strength Rating, indicating that the company has an "excellent" ability to pay out insurance claims. Acuity policyholders can rest assured that the company will be able to pay its financial obligations.

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