Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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Acceptance Auto Insurance is a division of the larger First Acceptance Services Inc. It is a personal auto insurer with headquarters in Tennessee and more than 350 neighborhood offices in about 12 Midwest and South states, namely Ohio, Pennsylvania, Texas, Indiana, Alabama, Illinois, Florida, Mississippi, Georgia, Missouri, Tennessee, and South Carolina. Insurance policies can be bought online, through agents, or by going to any of the offices.

Acceptance Auto Insurance is known for accepting high risk customers and for offering nonstandard policies. Comparing rates with other insurance companies for high risk plans, Acceptance Auto Insurance is appealing because its rates are fairly competitive, if not lower.[vc_column width=”1/2″][dt_gap height=”25″][vc_column_text css=”.vc_custom_1438882738158{padding: 30px 20px !important;}”]

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Acceptance Auto Full Coverage Option

Acceptance Auto is another nonstandard auto insurance company licensed in 10 states. Their rates tend to be 40% higher than the top national insurance companies although rates can go lower if you have a good driver’s record. Their full coverage includes:

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Overall Performance

While Acceptance Auto Insurance has other products like renter’s insurance, its main business is personal auto insurance. The company has the minimum liability as its basic package and the full coverage which includes collision and comprehensive policies. Only in states that require uninsured coverage, Acceptance Auto Insurance adds this third package.

The financial standing of the company is undetermined because none of the major financial reviewers like S&P and Moody have made an effort to assess the company. This is primarily because Acceptance Auto Insurance is one of the smallest in the insurance industry with an estimated 0.01% share of the insurance market.

On the other hand, its umbrella company, First Acceptance has been given a B or “fair” rating with a financial outlook review of “stable” by AM Best for the year 2014. According to AM Best, a global credit rating agency, First Acceptance was given a below average performance grade because of “recurring underwriting losses and decreasing investment income.”

It is also First Acceptance that has BBB accreditation with a rating of A+. This accreditation began in 1998 with only 31 complaints in the past 12 months with no recurring cases.

Also, compared to larger insurance companies you will be required to provide your driver’s license details, social security details before you will be given an online quote. This is because the company’s policy is to do a complete background and credit check prior to releasing any quote. It also means that the company does not do quick online estimates.[vc_column width=”1/2″][dt_gap height=”20″][vc_column_text css=”.vc_custom_1438816737399{padding: 15px !important;background-color: #f2f2f2 !important;}”]

Acceptance Discounts

Acceptance Auto Insurance has discounts for engaged couples (must be married within a year), electronic billing, multi vehicle, and bundling with home insurance provided you own the property. The company also offers discounts to those who can produce proof of safety certification like defensive driving, show proof of favorable insurance payment history, and special discounts to members of the military.

The exact discount rates are not divulged until after the credit and background check as well as an agent’s assessment and recommendation.

Optional features  to your policy include roadside assistance like towing, flat tire, and jump start for engine failure as well as supplemental health insurance like dismemberment and accidental death although this is not available in all states. Acceptance Auto Insurance also has accident forgiveness and vanishing deductible although this is only available after proving loyalty to the company and maintaining a clean driver’s record.

Any early cancellation of policy before the end of its term will merit a cancellation fee of $20 for each of the remaining months on the policy.[vc_column width=”1/1″][dt_gap height=”25″][dt_fancy_separator separator_style=”line” separator_color=”custom” custom_separator_color=”#828282″][dt_gap height=”25″][vc_column width=”1/2″][vc_column_text css=”.vc_custom_1432225188184{padding: 15px !important;background-color: #f2f2f2 !important;}”]

Comparing Acceptance Auto Insurance

Being a small insurance outfit, Acceptance Auto Insurance is not as accessible as its larger competitors. For instance, they follow office hours (Mondays to Fridays 7 am to 7 pm and on Saturdays 8 am to 5pm only) and do not offer 24/7 support for claims and inquiries.

You have the option to email your concerns but if it is sent during non-office hours, it will not be acted upon. In addition, the company is virtually silent about online security which implies that volunteering personal information even on emails is risky.

The company relies heavily on nonstandard auto insurance and the use of agents to act as front liners. This potentially puts customers in a position where they have to wait their turn to get the attention and information they need.

Based on the average male driver, aged 30 driving a 2010 Toyota and living in Florida, Acceptance Auto Insurance rate is about $900 higher than Geico and $1,200 higher than Allstate. A married couple aged 45 would also get a quote that is over $800 higher than Geico and $1,140 higher than Allstate. Bear in mind however, that Acceptance rates are based on nonstandard insurance rates so they are expected to be higher.

Acceptance Auto Insurance is one of the insurance companies that entertains car owners who need SR 22 insurance, drivers with bad credit, and non-owner insurance.  Non-owner refers to drivers who rent or lease vehicles.[vc_column width=”1/2″][dt_gap height=”25″][vc_column_text css=”.vc_custom_1432225175178{padding: 15px !important;background-color: #f2f2f2 !important;}”]Unfortunately, even with more than 350 agent offices, it is not always easy to get to an Acceptance agent and after receiving an online quote, the actual process for buying the policy can be inconvenient. You will need a company agent to buy a policy which means waiting for your turn if all agents are busy with other customers.

As far as the feedback from current and previous policy holders, an overwhelming majority are not happy with the claims process. Those who have not had to file a claim seem happy with their policy and willing to stay with Acceptance. Among the issues raised, the most common have to do with the quality of customer service after filing a claim, the quality and estimates of repairs, reduced payouts, and hidden fees.

But many of those who have complained not once realized that the reason Acceptance was their choice was because they needed a company ready to take them in with their history or driver status. Also, with special cases, it is always faster and easier dealing with dedicated agents than trying to broker a customized insurance plan online – no matter how well designed the website may be.

And while knowing that another accident or incident could affect your insurance and driver’s record, there is now an added incentive of driving carefully to avoid any messy confrontation or delayed action with Acceptance’s in-house service staff.[vc_column width=”1/1″][dt_gap height=”25″][dt_fancy_separator separator_style=”line” separator_color=”custom” custom_separator_color=”#828282″][dt_gap height=”25″]