Acceptance insurance review 2024

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:

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:

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.

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.

Learn more: Nationwide Insurance review

Acceptance vs. Geico

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.

Learn more: Geico Insurance review

Acceptance vs. Erie

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.

Learn more: Erie Insurance review

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.

*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.

Acceptance company details

• Customer service: 1-800-321-0899
• Claims: 1-800-779-2103 or file a claim online
• Roadside assistance: 1-866-936-0485
• Quotes: 1-866-405-7102
• Website: acceptanceinsurance.com
• 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