R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict
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At a glance
Bankrate's take
Acceptance Insurance, a brand of First Acceptance Insurance Company, sells nonstandard auto insurance policies to high-risk drivers who might have trouble finding coverage elsewhere, along with property and life insurance.
Geared toward high-risk drivers
Works with SR-22 and FR-44 certificates
Home insurance may be underwritten by third parties
High rate of customer complaints to NAIC
News
What’s new with Acceptance?
In March 2023, Pennsylvania Insurance Commissioner Michael Humphreys released a market conduct examination report penalizing First Acceptance Insurance Company for adding optional third-party coverage to policies without customers’ knowledge or approval. The company was fined and will receive a follow-up report within 12 months to ensure resolution to the insurance department’s satisfaction.
Acceptance car insurance review
Acceptance Insurance is an agency that sells auto insurance policies for high-risk drivers underwritten by First Acceptance Insurance Company. As a nonstandard auto insurer, First Acceptance focuses on basic coverage for drivers with high-risk profiles due to poor credit, bad driving records or lengthy claim histories.
If you need an SR-22 or FR-44 certificate to verify your coverage with the department of motor vehicles, you may want to look for quotes from Acceptance. Coverage options are limited to state-mandated insurance like liability, personal injury protection and uninsured/underinsured motorist coverage along with comprehensive and collision coverage — if you want gap insurance, rental reimbursement or other optional add-ons, you may need to look elsewhere. However, Acceptance does partner with Nation Safe Drivers to offer a roadside assistance plan.
Pros and cons of Acceptance car insurance
There are a few benefits and drawbacks to consider when it comes to Acceptance car insurance, including:
Pros
Can file SR-22 forms
Caters to high-risk drivers who may have a hard time finding coverage elsewhere
Offers renters and term life insurance
Cons
Has higher-than-average complaints for auto insurance
Availability is limited to 15 states
Marginal financial strength rating
Acceptance car insurance cost
Average rates are not available for Acceptance auto insurance. The average cost of car insurance as of April 2025 is $2,685 per year for full coverage and $800 per year for state minimum coverage. However, car insurance rates vary based on a number of personal rating factors, such as your driving history, claims history and even your age (in most states). It may be helpful to get a personalized quote to learn what your costs may be.
Acceptance customer satisfaction
Third-party companies rate insurers based on several variables. J.D. Power, for one, ranks insurance companies based on customer service. AM Best calculates financial strength ratings to indicate whether a company has historically been financially capable of paying customer claims. First Acceptance Insurance Company is not rated by J.D. Power, but its parent company — First Acceptance Corporation — has a financial strength rating of C++ (Marginal) from AM Best.
Acceptance auto claims satisfaction
The NAIC tracks insurance company complaints from customers. First Acceptance has a high number of complaints for a company its size based on the NAIC Complaint Index, with a 2023 score of 2.20.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 1.17 to 2.2.
End of interactive chart.
Acceptance car insurance discounts
Earning car insurance discounts could be a great way to maximize savings on car insurance, especially if you have trouble qualifying for coverage with other insurers. Some potential Acceptance discounts you may be able to qualify for include:
Multi-car discount: If you insure multiple vehicles through Acceptance, you may be eligible for a discounted rate.
Homeowner discount: Even if your home isn’t insured by Acceptance, being a homeowner could qualify you for a lower rate.
Autopay and paperless discounts: Opting for automatic payments from your bank or choosing paperless billing might earn you a discount.
Previous insurance discount: You could get a discount if you’ve had prior insurance with a different company for at least six months before starting an Acceptance policy.
High down payment discount: If you can make a higher-than-minimum down payment on your auto insurance, you might be eligible for a discount.
Defensive driving course discount: Completion of an approved defensive driving course might qualify you for discounted premiums.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Answering a few quick questions to check your availability with Acceptance
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Acceptance home insurance review
Acceptance Insurance Agency sells standard homeowners coverage, such as dwelling, personal property, liability, medical payments and loss of use coverage — but First Acceptance Insurance only lists renters insurance as a product on its website. If you purchase home insurance through an Acceptance Agency, be aware that your coverage may be underwritten by a third party home insurance company.
Pros and cons of Acceptance homeowners insurance
There are a number of pros and cons to consider for Acceptance homeowners insurance, including:
Pros
High-risk homeowners may find coverage through this provider
Offers a standard array of home insurance policies
Easy-to-use digital options for policy management and claims filing
Cons
Limited availability
Coverage may come from a third party
Average rates are unavailable
Acceptance home insurance cost
Average premiums for Acceptance homeowners policies are unavailable. Either way, your homeowners insurance rate may vary due to factors like your home’s location, size, age and so on. As a point of reference, the average annual cost of homeowners insurance as of April 2025 is $2,267 for $300,000 in dwelling coverage.
Acceptance customer satisfaction
Because home insurance policies purchased through Acceptance Insurance agencies may be underwritten by a range of third party carriers, there’s no consistent information about customer satisfaction for Acceptance home insurance.
Acceptance home insurance discounts
Asking about Acceptance home insurance discount opportunities could help you land a cheaper home insurance policy. The agency’s website doesn’t list specifics regarding available home insurance discounts, though, so the best way to find out what’s available in your area is to ask an Acceptance insurance agent directly when obtaining a quote.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Acceptance
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Acceptance life insurance review
Acceptance sells term life insurance, which may be a good option for younger people looking for affordable coverage for a specific time. At the end of the term, most life insurance companies offer the option to convert the term policy into a permanent policy, which provides financial protection for the duration of your life or as long as premiums are paid.
The Acceptance website offers limited information about its term life insurance policies. It does not include information about the policy term lengths, coverage amounts or third-party underwriters. The site does allow online life insurance quotes, however. Just enter your ZIP code and personal information when prompted. Keep in mind that the cost of life insurance coverage can vary greatly depending on your age and health, and cheaper coverage may be found by shopping around.
Pros and cons of Acceptance life insurance
Though online information is limited about Acceptance’s life insurance policies, the company does offer a variety of insurance products. For high-risk customers who are looking to bundle cheap life insurance with other types of coverage, Acceptance may offer a solid one-stop shop for multiple policies.
Pros
Offers term life insurance policy options
You may be able to bundle life with other types of policies from Acceptance
Cons
Limited information about life insurance products is available
Only offers term life policies — not permanent life insurance
Acceptance life insurance riders
Acceptance doesn’t list available life insurance endorsements on its website. You’ll need to contact one of their representatives directly or start an online quote to learn more.
Compare life insurance providers quickly and easily
See which provider is right for you.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
Whole life insurance combines life insurance with an investment component.
Coverage for life
Tax-deferred savings benefit if premiums are paid
3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
Fixed premium over term
No savings benefits
Outliving policy or policy cancellation results in no money back
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
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This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Finding the right insurance company can be difficult, and it's often helpful to shop around before committing to a policy. When shopping with several providers, it's important to only compare rates between similar types and amounts of coverage. If you’re unsure whether Acceptance is right for you, take a look at our quick comparison below:
Acceptance vs. Nationwide
Nationwide has strong financial strength ratings and is widely available throughout the country for home, auto and life insurance. Nationwide also offers home insurance policies specialized for high-value homes. Inversely, Acceptance is focused on home policies for homes that may have difficulty getting coverage from other companies. If you are trying to insure a high-value home and don't have significant barriers to insuring it, then Nationwide may be an option worth considering.
Geico offers some of the cheapest car insurance rates on average, and it could be worth considering for those who want to compare with another carrier. High-risk drivers may find coverage options with Acceptance, but others may find better rates and coverage options with Geico, depending on their personal rating factors and other pertinent information. In addition, Geico also offers some specialized coverage options for high-risk drivers and may be a good comparison choice for drivers with prior accidents or incidents on their driving records.
Another regional carrier, Erie could be an option for those who want a local company to meet their needs and those who live in one of the 12 states where Erie operates. Erie ranked highly in 2023 with J.D. Power for customer claims satisfaction, and it offers competitive average rates for both home and auto insurance. Still, Erie has even more limited availability than Acceptance, and Acceptance specializes in higher-risk customers. Drivers or homeowners with good credit ratings and driving records may find it worth getting a quote from Erie, depending on availability.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Acceptance a good insurance company?
Acceptance may be an option worth considering for drivers who are categorized as high-risk. For others, however, this company may be more costly than some of the other options and coverage may be limited compared to many of the alternatives.
What are real-life customers saying about Acceptance?
To better understand how well Acceptance meets customers’ needs and expectations, Bankrate’s insurance editorial team scoured forums and review sites like Reddit and Yelp for mentions of Acceptance. We found mixed results: while some reported that Acceptance had helped them find affordable auto insurance despite a risky profile, others complained of negative customer service.
Reddit User 1*
Aug 1, 2023
Cheap rates for bad records
My brother has acceptance insurance, his credit and driving record is horrendous, but he only pays 250 a month.
This place deserves zero stars, when it comes time to file a claim they either ghost you or will deny it. They will find any loophole any reason as to why you weren't covered at the time of the accident. Even if you have a policy you never canceled but a few days late on a payment you will not be covered on an accident. It's cheap for a reason and you get what you pay for. Customer service is garbage. Please don't waste your time and money. It will cost you more money in the end having to pay out-of-pocket to fix damages whether it's your fault or not.
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Mailing address: 3813 Green Hills Village Drive, Nashville, TN 37215-2610
State availability
Acceptance offers coverage in 15 states: AL, AZ, CA, FL, GA, IL, IN, MS, MO, OH, PA, SC, TN, TX and VA. For specific policy availability, contact customer service.
Acceptance tools and benefits
If you have other insurance needs and struggle to qualify for coverage with other national insurers, having all your policies in one place with Acceptance could simplify your insurance needs. Other Acceptance insurance products you may find beneficial for your situation include:
Motorcycle insurance: Motorcycles require a different type of coverage than standard vehicles and Acceptance sells this type.
Renters insurance: Renters insurance can help renters protect their belongings within their rental property.
Pet insurance: Pet insurance can help pay for vet bills in the case of an injury or illness affecting your pet.
Travel insurance: Acceptance has a car insurance travel policy specifically for traveling to Mexico. This coverage will prevent you from driving uninsured while across the border.
Towbusters roadside assistance:In addition to insurance policies, Acceptance offers a membership program that includes roadside assistance and optional ticket forgiveness.
TeleMed: This subscription telehealth service connects customers with virtual doctor appointments around the clock.
Frequently asked questions about Acceptance
You can file a claim with Acceptance through the online claims portal or by calling the claims phone number (1-800-779-2103). To file a claim, you'll need your policy number and other information about the damage or injuries involved.
The First Acceptance Corporation, doing business as Acceptance Insurance, is a legitimate company. Acceptance does business at more than 280 brick-and-mortar retail locations, as well as online, writing policies in 15 states.
Acceptance occasionally launches initiatives to support the community through its blog. Some recent programs have been supporting the American Red Cross, the Wounded Warrior Project and the Humane Society of America.
While Bankrate’s insurance editorial team makes every effort to assign a Bankrate Score to each carrier we review, it’s not always possible in the case of small insurers with limited information available. Average premium data and third-party ratings from J.D. Power — key components of Bankrate Scores — aren’t available for First Acceptance.
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.
Amelia Buckley is an insurance editor for Bankrate.com and an insurance agent with a personal lines license. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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